No Fee To Biller Configuration

No Fee to Biller is available for use with Repay and PayNSeconds.

Overview

1. Payor States = a state associated with the secure payment payor address.

2. Both Repay and PayNSeconds, when properly configured for No Fee to Biller, will result in a Service Fee being identified for each payment entered or for each payment scheduled in the Virtual Agent or in ACE with exceptions as noted.

3. More information about State Fees defined in ACE (which may impact NFTB behavior) can be found in the VA 2.0 State Fee Configuration article.

Configuration Steps

Client Settings

If fees are not appearing, verify clients and subclient have set Exclude Payment Fees to false.

Payment Destination Settings

No Cost to Biller

Navigate to Setup → Transactions → Payment Destinations → Specified Payment Destination Page in the No Cost to Biller section.

• Set No Cost to Biller → Active to true.

Allow No Fee On Restricted

• Set Allow No Fee on Restricted to true if the NFTB payment destination will process payments without fees for Restricted States.

• If a second non-NFTB payment destination is identified in the Virtual Agent for use with VA 2.0 Allow No Fee On Restricted wont be applicable.

Define Restricted States

• Populate Restricted States with states where fees should be excluded (e.g., CT, DC, ID, MD, NC, MN).

• States that are restricted for fees in configuration outside of ACE may result in different behavior.

Fee Disclosure Script

• Controls the message agents see when posting payments or setting up plans.

• Example placeholders:

  • $PAYMENT_AMOUNT for the payment amount.

  • $FEE_AMOUNT for the service fee.

• If using multiple "No Fee to Biller" destinations, customize each script to match its behavior.

Example Fee Disclosure Scripts

Here is an example of a Fee Disclosure Script:

Agent Disclosure Details

Here is an example of what an Agent might see in disclosure details when posting a payment:

Virtual Agent Configuration:

Custom Text

• Found on the Setup → Virtual Agent → Profiles → Specified VA Preferences Profile Page in the Contact Information section.

• When a payment or payment plan is entered, default text will be presented to a consumer similar to the example below.

• There are some variable fields available for use in the Custom Text:

  • Service Fees that are associated with “No Fee to Biller” Payment Destinations.

    • payment_dialog_fees_title: "Accept Processing Fee?"

    • payment_dialog_fees_prompt: "A processing fees of {fees :string} will be billed separately on your statement by our payment processor. If you wish to avoid this fee you can choose to pay via Bank Account/ACH."

  • Service Fees that are not associated with “No Fee to Biller” Payment Destinations.

    • payment_dialog_service_fees_title: "Accept Processing Fee?"

    • payment_dialog_service_fees_prompt: "An additional processing fee of {fees :string} will be charged with this payment."

• For more information on modifying the Custom Text file, read: Custom Text in VA 2.0.

VA 2.0 Payment Options Configuration

• Found on the Setup → Virtual Agent → Profiles → Specified VA Preferences Profile Page in the Payment Options section.

• Card Payment Destination

  • Select the No Fee to Biller Payment Destination

• Card (No Cost) Payment Destination

  • As long as the payment destination vendor will process payments without fees, it is best practice to select the same No Fee to Biller Payment Destination here.