# Make a payment, Manage Autopay, and payment methods

These three tools work together to manage how you pay your loan. Make a payment lets you submit one-time or scheduled payments. Manage Autopay sets up recurring automatic payments. Manage payment methods controls the bank accounts and cards you can pay with.

**Availability:** All clients

## Before you begin

- You must have at least one valid payment method on file before you can make a payment or enable autopay. If you have no payment methods, add one first through [Manage payment methods](#manage-payment-methods) below.
- These tools are accessed from the **Account options** menu on the loan detail view, or from the **Make payment** quick-action button on the dashboard.


## Make a payment

Submit a one-time payment immediately or schedule one for a future date.

1. From the loan detail view, select **Make payment** from the Account options menu or the quick-action button.
2. Select a **Date**. The default is today. To schedule a future payment, select a later date using the date picker.
3. Choose a payment **Amount**:
  - **Overdue** — the past-due amount. Appears only when your account has an overdue balance.
  - **Upcoming + Overdue** — the next scheduled payment plus the overdue amount. Appears when you have both an upcoming payment and an overdue balance.
  - **Upcoming** — the next scheduled payment amount, labeled with its due date.
  - **Remaining balance** — the full outstanding balance on the loan.
  - **Other amount** — enter a custom amount.
4. Select a **Payment method** from the dropdown. Each method shows its type and last four digits (for example, "Bank Account *1234" or "Visa Card *5678").
5. For line of credit loans, you may see an **Applicable to** selector to direct the payment toward a specific draw.
6. Select **Continue**.
7. Review the payment details in the confirmation modal. If the details are correct, select **Make payment**. Select **Cancel** to go back and revise.


After submitting, you see a success or failure message. If the payment takes longer than expected to process, a message directs you to check the status later in the Activity tab.

Your portal may not show this option if your lender has customized the interface.

### Alerts on the payment screen

Several informational alerts may appear at the top of the Make payment screen:

- **Recent payment alert** — if you made a payment within the last 24 hours, a notice shows the amount and date as a reminder.
- **Autopay active alert** — if autopay is enabled, a notice explains that this one-time payment is counted separately from your automatic payments.
- **Enable Autopay suggestion** — if autopay is not enabled and you have a remaining balance, a suggestion appears with a link to set up autopay.
- **Loan paid off** — if your payment brings the balance to zero, a success message confirms the loan is paid off.


### Payment processing

- **Immediate payments** — processed upon confirmation. You receive a success or failure response within seconds.
- **Future scheduled payments** — not processed until the selected date. Scheduled payments appear in the Activity tab and can be canceled before processing.
- **ACH payments** — initially appear as "scheduled" after submission. Peach processes ACH payments within two hours, at which point the status changes to "pending." You can only cancel a payment while it is in "scheduled" status.


### Cancel a scheduled payment

To cancel a future payment that has not yet been processed, go to the Activity tab, expand the payment entry, and select **Cancel**. Confirm the cancellation in the dialog that appears. Once a payment has moved to "pending" status, it cannot be canceled.

## Manage Autopay

Set up, modify, or turn off automatic recurring payments on your loan.

1. From the loan detail view, select **Manage Autopay** from the Account options menu, or select the autopay button in the loan header.


The autopay form differs depending on your loan type.

Your portal may not show this option if your lender has customized the interface.

### Set up autopay (installment loans)

1. Select a **Frequency** for your automatic payments: On due dates, Monthly, Twice a month, Every two weeks, or Weekly. The available frequencies depend on your lender's configuration.
2. Based on your frequency selection, choose the specific **day** or **dates** for payments:
  - **Monthly** — select a day of the month (1st through 30th, or end of month).
  - **Twice a month** — select a pair of days (for example, "1st and 15th").
  - **Every two weeks** — select a day of the week and a starting date.
  - **Weekly** — select a day of the week.
  - **On due dates** — no additional selection needed.
3. Select a **Payment method** from the dropdown.
4. Review the payment schedule. Select **View full payment schedule** to see all upcoming automatic payment dates and amounts.
5. Review the autopay terms by selecting the **Autopay Consent** link.
6. Select **Set Autopay**.


When autopay is enabled, the upcoming due date amount is always the first automatic payment. Subsequent payments follow your chosen frequency and schedule.

If your loan has an overdue balance, autopay does not include the overdue amount. You must make a separate one-time payment to cover any past-due amount. An alert on the autopay screen reminds you of this and provides a link to Make payment.

### Set up autopay (line of credit loans)

1. Select a **Frequency**: On due dates, Once a period, or Twice a period.
2. If you selected Once a period or Twice a period, choose how many **days before due date** each payment should be scheduled.
3. Select an **Amount** type:
  - **Minimum or recurring payment due** — pays the periodic minimum or recurring amount, excluding any overdue balance. Optionally select **Additional principal** and enter an extra amount to pay down your balance faster.
  - **Statement balance** — pays the previous unpaid balance (the "New balance" on your statement), excluding transactions posted after the statement date.
4. Select a **Payment method**.
5. Review and agree to the **Autopay Consent**.
6. Select **Set Autopay**.


Your portal may not show all amount options if your lender has customized the interface.

### Modify autopay

To change your autopay settings, open the Manage Autopay screen and update the fields you want to change. You may need to agree to a new Autopay Consent when you change:

- Your payment method only (dates stay the same)
- Your frequency or dates (schedule changes)
- Both payment method and frequency


Select **Update Autopay** to save your changes. You receive a confirmation email with the updated details and a copy of the consent, which also appears in the Documents tab.

### Turn off autopay

1. From the Manage Autopay screen, select **Turn off Autopay**.
2. In the confirmation dialog, select **Yes** to confirm.


After turning off autopay, any future scheduled automatic payments are canceled. You can re-enable autopay at any time.

## Manage payment methods

View, add, edit, or remove the bank accounts and cards used for payments and autopay. Payment methods are shared across all your loans.

1. From the loan detail view, select **Manage payment methods** from the Account options menu. You can also manage payment methods from the Account settings page.


Your portal may not show this option if your lender has customized the interface.

### Add a bank account

1. Select **Add payment method**, then select **Bank Account (ACH)**.
2. Choose how to add the account:
  - **Manual entry** — enter the account details yourself.
  - **Connect via Plaid** — link your bank account through Plaid's secure connection (if your lender supports this option).


#### Manual entry

1. Enter the **Account holder name**.
2. Select the **Account holder type**: Personal or Business.
3. Select the **Account type**: Checking or Savings.
4. Enter the **Bank account number**.
5. Enter the **Routing number** (must be exactly 9 digits).
6. Select **Add bank account**.


After adding a bank account manually, the system initiates microdeposit verification (see below).

#### Connect via Plaid

1. Select the Plaid option.
2. Follow the prompts in the Plaid window to log in to your bank and select an account.
3. The account is linked automatically. No microdeposit verification is needed for accounts connected through Plaid.


### Microdeposit verification

When you add a bank account manually, the system sends two small deposits (and corresponding credits) to your account. These typically appear within 1 to 2 business days. To verify your account:

1. Return to the Borrower Portal and go to **Manage payment methods**.
2. Select the bank account with a pending verification status.
3. Enter the two deposit amounts.
4. Select **Verify**.


You have 3 attempts to enter the correct amounts. After the third failed attempt, the system marks the account as invalid.

If you do not complete verification within 3 days, the system sends you a reminder email. If the deposits fail (for example, due to an incorrect account number), the system marks the account as invalid and notifies you by email.

### Add a card

1. Select **Add payment method**, then select **Card** (or **Debit Card**, depending on your lender's settings).
2. Enter the **Card number**.
3. Select the **Expiration month** and **Expiration year**.
4. Enter the **CVC** (3 or 4 digits on the back of your card).
5. Enter the **Zip code**.
6. Enter the cardholder's **First name** and **Last name**.
7. Select **Add**.


The system attempts to authorize and tokenize the card. An error message appears if authorization fails.

### Edit a payment method

Select **Edit** next to an existing payment method to update its details. Some fields cannot be changed:

- **Cards** — the card number and CVC cannot be modified.
- **Bank accounts** — the routing number and account number cannot be modified.


To change these fields, remove the existing method and add a new one.

### Remove a payment method

Select **Remove** next to a payment method to delete it. A confirmation dialog warns that any associated autopay or future scheduled payments using that method will be canceled.

### Set a default payment method

Select **Set as default** on any payment method to make it the primary method used for new payments.

## Related pages

- [Borrower Portal overview](/servicing-operations/borrower-portal/borrower-portal-overview)
- [Loan details](/servicing-operations/borrower-portal/borrower-portal-loan-details)
- [Change due date, Draw funds, payoff statement, and nickname](/servicing-operations/borrower-portal/borrower-portal-loan-options)
- [Account settings](/servicing-operations/borrower-portal/borrower-portal-account-settings)
- [Contact us](/servicing-operations/borrower-portal/borrower-portal-contact-us)