Check to Digital

Check to Digital lets homeowners whose most recent payment was made by check switch to digital payments in a single click, without entering bank account information.

Contents

• What Is Check to Digital?
• How It Works
• When a Check Can't Be Matched

What Is Check to Digital?

Homeowners whose most recent payment was made by check may be eligible to switch to digital payments in a single click, without entering any bank account information.

With the homeowner's authorization, Vantaca uses the bank account from their most recent check payment to pre-fill the enrollment screen. From there, homeowners can choose how to pay:

• Enroll in AutoPay: Set up automatic payments on the account's due date, using the bank account from the check. If there's a balance due today, the button reads Pay Balance Now & Enroll in AutoPay, and the current balance is charged as part of enrollment. Homeowners with a $0 or credit balance see a "You're all paid up" message in place of a balance, the button reads Enroll in AutoPay, and the Payment Start Date shows "When your next balance is due" instead of a specific date.
• Make a one-time payment: If a balance is due, use the "Just need to pay once?" link below the AutoPay option to pay the current balance once, using the same bank account, without enrolling in AutoPay. This option is not shown for homeowners with a $0 or credit balance.
• Use a different payment method: Choose a different saved or new bank account, or pay with a credit card or wallet if enabled, without leaving the screen.

Note: Eligibility for the bank-prefilled version depends on recent payment history, account status, and association settings. Homeowners whose check could not be matched still get the same one-click experience, just without a bank account pre-filled. See "When a Check Can't Be Matched" following.

How It Works

1. The homeowner receives an email with a secure payment link.
2. The homeowner clicks the link.
   A Turn On AutoPay screen opens with their bank account already added, labeled "Added from your most recent check."
3. The screen shows:
   • The account's current balance, or, for homeowners with a $0 or credit balance, a "You're all paid up" message in its place.
   • If a balance is due, a Today's Payment breakdown with the balance, processing fee, and total.
   • A Terms & Conditions checkbox authorizing the management company to process payments from the bank account.
4. The homeowner selects the Terms & Conditions checkbox, then clicks one of the following:
   • Enroll in AutoPay (or Pay Balance Now & Enroll in AutoPay, if a balance is due) to start recurring payments.
   • Just need to pay once? (if a balance is due) to switch to a one-time Make a Payment screen, then click Confirm & Pay.
   • Change next to the payment method to use a different bank account or pay by card instead.
5. A confirmation screen displays: You're Enrolled! for AutoPay, or Payment Confirmed for a one-time payment.

Note: The bank account from the check is added automatically, so homeowners do not need to enter routing or account numbers for that account. Entering bank details manually is only needed if the homeowner chooses a different bank account.

When a Check Can't Be Matched

If Vantaca cannot automatically match a homeowner's check to their account, they still land on the same Turn On AutoPay screen, just without a bank account pre-filled.

• If the homeowner already has a saved card or bank account on file, it is pre-selected automatically. A saved card takes priority over a saved bank account, and the most recently added method is used when there is more than one of the same type.
• If the homeowner has no saved payment method, the screen opens directly into entering a new card. If the association does not accept recurring card payments, it opens into entering a new bank account instead.
• The $0 or credit balance handling and the "Just need to pay once?" option described in "How It Works" work the same way here.
• A homeowner who is already enrolled in AutoPay through another channel, most often the Home Portal, sees an AutoPay is active message instead of being asked to enroll again. If a balance is due, they can still make a one-time payment below the message. If there is nothing due, they are pointed to Log in to Home to manage their enrollment instead.

Note: Choosing a saved payment method, or entering a new one, works the same way as the bank-prefilled version. The only difference is what is pre-selected when the screen first opens.

For more information about the overall payment link experience, see the "How to Use Pay Now Links" article.

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