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Online Cash Management
Business Bill Pay
Contents
Business Bill Pay
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1
Getting Started
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1 Adding Payees
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3
Add a Company
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3 Add an Individual
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4
Payments Menu
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5 One-time Payment
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5 Recurring Payments
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6 Scheduled Payments
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6 Stop Payments
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8
Transfers
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11 Payroll Deposits
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12 Options
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15
eNotifications
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15 Reports
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15
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Business Bill Pay User Guide (3/2021) 1
Business Bill Pay Getting Started
A company administrator must activate Business Bill Pay (BBP) in
Online Cash Management before it is available to users. Company
administrators assign user privileges and accounts within BBP. Your
user access may not include all features mentioned in this guide.
The first time BBP is accessed, each user must establish a security
profile. There is also a disclosure that must be accepted before
the site will be available for use.
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Business Bill Pay User Guide (3/2021) 2
After the security set-up is complete, the system administrator
should establish user permissions, so the necessary functions are
available.
For same-day capture, payments or transfers must be entered
before noon Pacific time. Deletions or edits of scheduled payments
must be made before 8 a.m. Pacific time on the payment’s Process
Day.
Bill payments are processed at noon on bank business days. Funds
will be debited from the sending account on the Process Date. If
there aren’t sufficient funds in the account another processing
attempt will be made the following business day; if funds are still
insufficient the payment will be cancelled. The BBP home page
provides an overview of recent activity and the user can manage
their personal profile, including the option to choose a default
landing page. There are “how-to” tutorials for the various
functions of BBP. They are located by clicking Help in the upper
right corner of the screen.
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Business Bill Pay User Guide (3/2021) 3
Adding Payees
If you’re new to Bill Pay the first step is to add payees. Users
with the permission to manage payees will be presented with one of
their challenge questions when adding or managing payees.
Add a Company
This option is used for standard vendor payments such as credit
cards, utilities, loans, etc. The information needed to set up
payments to a company is found on the company’s billing statement.
After entering some basic information, BBP will attempt to locate a
payee match. If no match is found, the payee’s address information
is entered manually. The system determines if payments to companies
will be made by check or sent electronically. Payments can be sent
on demand, or a recurring payment schedule can be established in
BBP.
Only companies set up in a special electronic database for bill
payments can be paid electronically.
Larger companies can often deliver eBills, which will send
payment information and due dates directly to BBP. If eBills are
available, there will be an on-screen option for set-up.
An online account must be established with the payee before
enrollment can be completed for an eBill.
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Business Bill Pay User Guide (3/2021) 4
Add an Individual
Smaller payments to people, such as local service providers, can
easily be paid through this option. There is a choice between
sending payments electronically or sending a check.
To guard against fraud, there are limits when making electronic
payments to individuals. If an email address is used to obtain the
payee’s bank account information the maximum payment through BBP is
$2,500. If payee bank account information has been provided to your
company for entry into BBP, the maximum single payment is $3,500
with a $6,000 daily total.
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Business Bill Pay User Guide (3/2021) 5
Payments Menu
The cut-off for entering payments is noon – any entries after
the cut-off will be effective the following business day.
Deletions or edits of scheduled payments must be made before 8
a.m. Pacific time on the payment’s Process Day.
One-time Payment
When sending a one-time payment, it is not necessary to
establish a payee first, the payee can be added directly from the
payments menu or selected from already-established payees.
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Business Bill Pay User Guide (3/2021) 6
Recurring Payments
If the payment schedule was not set up when the payee was added,
a recurring schedule can be established from the Payments menu.
Recurring payment frequencies can range from weekly to annually.
Users schedule the processing date for the payment and the system
estimates the arrival date based on whether the payee receives
payment electronically or by check.
Scheduled Payments
A list of all scheduled payments is displayed. Details of the
payment are available, and actions can be taken to manage or change
the payments.
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Business Bill Pay User Guide (3/2021) 7
The edit function allows the user to skip certain payments,
change a payment, or change the entire series of payments.
Payments scheduled to process in the next 30 days are also
displayed on the home page of BBP and they can be edited or stopped
without going to the Payments menu.
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Business Bill Pay User Guide (3/2021) 8
Stop Payments
Electronic payments made through BBP cannot be stopped after the
payment has been processed.
Stop payments can be placed on outstanding checks, if needed, by
going to Payment History.
A search filter will open and should be used to locate the
applicable transaction.
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Business Bill Pay User Guide (3/2021) 9
Open the details for the desired payment.
From the transaction details, open the timeline.
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Business Bill Pay User Guide (3/2021) 10
At the bottom of the transaction details screen is a link to the
stop payment request.
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Business Bill Pay User Guide (3/2021) 11
Transfers
Outbound transfers of up to $6,000 can be made from your account
at Mission Bank and sent to your account at another institution. If
a transfer is entered prior to the noon deadline, it will normally
deposit to the receiving account the following business day. The
first step is setting up the receiving account information. After
adding a new transfer account, a confirmation of successful entry
will generate, and the account must be activated by Mission Bank.
Please allow up to 24 hours for activation.
Transfers through BBP are not same-day transactions and may not
be practical for transfers between Mission Bank Accounts. Real-time
transfers between Mission Bank accounts can be processed using the
NetTeller tab transfer option.
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Business Bill Pay User Guide (3/2021) 12
Payroll Deposits
If your company subscribes to this optional feature, direct
deposit of payroll and/or employee expense reimbursements can be
made through BBP. An authorization from each employee participating
in direct deposit must be obtained. Typical authorization forms
provide a space for the employee’s account number and their bank’s
routing transit number. Contact us if you would like a sample
authorization form.
Step 1 – establish the payroll schedule.
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Business Bill Pay User Guide (3/2021) 13
Step 2 – add the employees’ information. Employees are separated
into three categories: hourly, salary and contractors. There can be
a combination of the types, but the actual pay days need to be the
same for all employees. When an email address is entered for an
employee, they will receive notification of their payroll deposits.
Optionally, a payroll deposit can be split between two
accounts.
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Business Bill Pay User Guide (3/2021) 14
Step 3 – schedule the deposits. Each payroll must be scheduled
in BBP at least two days ahead of the actual pay day.
Although the frequency and start date were established in Step1,
the system does not automatically schedule payroll based on these
dates. A system-generated reminder is sent two days prior to the
pay date.
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Business Bill Pay User Guide (3/2021) 15
Options
The entitlements shown below are for an administrator of the
Business Bill Pay site. Actual entitlements will vary based on the
user’s permissions.
eNotifications
Notifications can be set up to monitor activity and assist with
detecting potential fraud on BBP. There are several categories from
which the user can choose. The notices can be delivered by email,
text message, or both.
Reports
Various reports are available to assist with managing the
details of BBP. Reports can be printed in a reader-friendly format
or the data can be exported to a spreadsheet, if desired.