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Frequently Asked Questions Getting Started with Paytrust How Paytrust Works Paytrust Capabilities Privacy and Security Client Services |
Frequently Asked Questions Here are answers to some commonly asked questions about Paytrust. Please look through the categories to the left. If you do not find the answer to your specific question, or would like additional information, simply contact us at info@paytrust.com. How is Paytrust different from online banking? How much does it cost to subscribe to Paytrust? Who authorizes payment amounts and dates? Can I use Paytrust to pay anyone? Can I still see the details of my bill before I approve it? Can I print a copy of my bill? Can I download Paytrust transactions into Quicken? Are there plans for Paytrust to be able to download into Quicken? Is Paytrust compatible with Excel? What happens if I have a dispute with a payee? Is Paytrust available in my area? How can I get help or have a question answered? Can I access my bank account balance through Paytrust? What is my billing address with Paytrust? How is Paytrust different from online banking? Paytrust is a complete Internet solution for bill delivery, payment and management. It works with any bank and any payee you may have. While many banks offer the ability to issue payments online, you're still required to track and manage all of the paper bills that come to your house. By receiving your bills and managing the process online, Paytrust truly removes the burden of handling monthly bill payments. And Paytrust allows you to make payments to anyone – even someone who doesn't normally send you a bill. So you can have fewer headaches, fewer worries and a lot more free time.  How much does it cost to subscribe to Paytrust? Even if you are familiar with all the benefits of Paytrust's Complete Bill Management service, you may still decide that you prefer to receive all of your bills at home rather than online. Whatever your needs, Paytrust has a service plan to match. Select from the following flexible account options:
*Receiving a bill and paying a bill are considered separate transactions. Who authorizes payment amounts and dates?Only you can authorize payments. You have complete control over whom you are issuing a payment to, the exact payment amount, when the payment should be sent or whether to pay the bill at all. If you have a flat fee or regularly occurring bill that you would like to have paid each month, Paytrust can be instructed to do it for you automatically. Please note: Your Paytrust service fee will be automatically debited from your default payment account each month. Can I use Paytrust to pay anyone? You can use Paytrust to pay anyone with a U.S. mailing address. To issue a payment from the Paytrust Bill Center, you will need to set up a Payee Profile. Most payees are Business Payees, and many of them can be found in our Common Payees database. Some payees may be a little more unique, such as a neighborhood lawn service or a friend you wish to give a gift check. You can enter complete contact information into a Personal Payee Profile, and we can issue payment to anyone you want. Please note: certain payments, such as tax payments to the IRS are discouraged, but may be scheduled at your own risk. Can I still see the details of my bill before I approve it? Yes, Paytrust provides both summary and detail information for your bills. You can view or print a full image of the bill at any time. Can I print a copy of my bill? Yes, it's easy to print a copy of any of your bills in the Paytrust Bill Center. Just access the Bill Detail page for the bill you want a copy of and click the "Print" link. Can I download Paytrust transactions into Quicken? No, Paytrust does not download transactions directly into Quicken. However, you can download your Paytrust payments together with all other transactions from your financial institution into your Quicken registers, if the financial institution associated with your Paytrust account supports Quicken. Are there plans for Paytrust to be able to download into Quicken? We have researched and tested the available download options and have not been able build a solution that will work effectively. At this point, downloading from the Financial Institution that holds your accounts is the easiest and quickest way to automatically download. Is Paytrust compatible with Excel? Yes, Paytrust will allow you to export to Microsoft Excel CSV format. What happens if I have a dispute with a payee? If you have an issue with a specific charge on a bill, you will need to contact your payee directly, just as you do today. You can pay whatever amount you like while you are disputing a specific item or charge, or even decide whether to pay the bill at all. Is Paytrust available in my area? Paytrust is currently available anywhere in the United States. Due to banking rules and Internet security restrictions, the Paytrust service is not currently available in any other countries. U.S. subscribers can access the Paytrust Bill Center to receive and pay their U.S. bills, even while traveling abroad. How can I get help or have a question answered? If you experience difficulty with the service, or if you have questions about your account, click here to contact us. Our staff of trained support representatives is available to assist you 24 hours a day, 7 days a week except for holidays. In the Bill Center, Paytrust also features rich, context-sensitive online help that can answer most typical questions. Can I access my bank account balance through Paytrust? Yes. Our innovative SmartBalance™ feature gives you secure access to your online bank account information and combines it with your Paytrust payment history to give you a complete and accurate snapshot of your balance. With SmartBalance you get the most updated and accurate picture of your bank balance – all without leaving the Paytrust site – and all for no additional cost! Use of SmartBalance requires that you have an online bank account with one of the SmartBalance enabled banks. To determine if your account is eligible for SmartBalance, go to the SmartBalance page, select your funding account, and click OK. What is my billing address with Paytrust? Upon enrollment, you will be assigned a unique Box number at Paytrust's state-of-the-art mail processing center in Sioux Falls, SD. For bills you have redirected to the Bill Center, this will be your billing address. Some merchants ask for a billing address to confirm credit card purchases made by telephone or over the Internet. In addition, your payees may reference this address when verifying your account or identity with them. Tax payments and court-ordered payments are discouraged and made at your own risk and with no guarantee. Payments to payees outside of the United States are not allowed through this service. Terms, conditions, features, pricing and service options are subject to change. |
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