The Account Product Funding Payment Options panel enables the ability to capture the payment information required to fund the account products on a Virtual Capture application.

This topic provides an overview of how to configure the Account Product Funding Payment Options panel, as well as an example of the panel functionality in Virtual Capture.

Panel Configuration

The Account Product Funding Payment Options panel can be configured to appear within an Application type screen in System Management > Origination > Virtual Capture > Screens.

To begin configuring this panel:

• Navigate to the Panels tab, and click  within the Edit Screen window.
• From the Select Panel window, select Account Product Funding Payment Options and click .
• Within the Edit Panel window, define the General panel attributes.
• Once the General panel attributes have been defined, navigate to the Properties tab.
• The Properties tab allows system administrators to determine which funding payment options are available for the panel in Virtual Capture, as well as hide the payment image for a single funding option, and define specific settings for credit cards and/or internal transfers.

   

• The following attributes are configured within the Properties tab:

  Attribute	Description
  Payment Image Options
  Hide Payment Image	Select the check box to prevent the standard image associated with a funding type from displaying in the panel in Virtual Capture. The Hide Payment Image check box is only available when a single payment option is selected within the Payment Options section. If more than one payment option is selected, the Hide Payment Image check box is disabled. If Hide Payment Image is set to true, and then more than one payment option is assigned to the panel, the Hide Payment Image check box is automatically cleared. To see this parameter in action, watch the video in the Using the Account Product Funding Payment Options Panel in Virtual Capture section.
  Payment Options
  Payment Options	Select the check box next to one or more of the following options to determine which funding types are available to fund each account product on a Virtual Capture application: ACH Transfer Credit Card Internal Transfer At least one funding payment option must be selected within the Properties tab, or an error message is received upon saving the panel.
  Credit Card Options
  The Credit Card Options section is only available when the Credit Card funding type is selected as a payment option. If Credit Card is not selected as a payment option, this section is disabled.
  Auto-populate Billing Address List	Select the check box to provide applicants with the ability to select their credit card billing address from a drop-down list, rather than manually entering text within individual Address fields. By default, this field is set to false.   When set to true, a field titled Select Billing Address populates within the panel when rendered in Virtual Capture. This field enables applicants to select their billing address from a drop-down list including all applicant addresses on the application, as well as a value of Other. When an address is selected from the list, the following text fields are removed from the panel: Billing Address City State Zip Code If Other is selected as the Billing Address, the above fields remain in the panel to allow the applicant to enter their information.   If set to false, the Select Billing Address field does not populate within the panel, and applicants must manually enter the information within the Address fields. To see this parameter in action, watch the video in the Using the Account Product Funding Payment Options Panel in Virtual Capture section.
  Credit Card Types	When Credit Card is selected as a payment option, the following credit card types are automatically selected within the Credit Card options section: Visa Mastercard Discover If desired, clear the check box next to each credit card type that should not be available to fund an account product in Virtual Capture. If Credit Card is selected as a payment option, at least one credit card type must be selected within the Properties tab, or an error message is received upon saving the panel.
  Internal Transfer Options
  Internal Transfer Message	Enter the message to be displayed in the panel when Internal Transfer is the only funding method assigned to the panel properties, and the applicant has not logged in to Virtual Capture using Single Sign On.

• After all attributes are defined for the Account Product Funding Payment Options, click  to create the panel, and continue defining the Application screen attributes.
• Once the Application screen is saved, and assigned to a Virtual Capture Workflow Model, the workflow model must then be assigned to an account application type within the Account Application Types tab in Virtual Capture Settings.

Using the Account Product Funding Payment Options Panel in Virtual Capture

When the Account Product Funding Payment Options panel renders in Virtual Capture, a card is displayed for each of the payment options assigned within the panel properties. By default, the first payment option card is selected, which populates the fields specific to the payment option in the panel.

The cards are displayed in alphabetical order by payment option (ACH Transfer, Credit Card, Internal Transfer).

When hovering over the Account Funding Payment Option images, Virtual Capture indicates the alternate text that is available to applicants using a screen reader. When hovering over the Transfer from Financial Institution option, the alternate text indicates "Transfer from Financial Institution Image." When hovering over the Credit Card Payment option, the alternate text indicates "Credit Card Payment Image."

In the above example, the card for ACH Transfer is selected; therefore, the fields required to capture data for the ACH funding type are displayed. If Credit Card Payment is selected, the panel updates as follows:

The Credit Card field masks all values entered, except for the last four digits. Click  to unmask the values in the field. Once unmasked, the values remain visible until the user navigates away from the screen or  is clicked.

If the Internal Transfer payment option is enabled for the panel, and the applicant is a current account holder who logs in through the institution's website, the following card and fields are available to fund an account product:

The card to Transfer between Accounts is not available in the panel if the applicant is a new account holder, and/or does not log in through Single Sign On.

Watch the video below to learn more about the Account Funding Payment Options panel, and see the different property configurations in action:

If the application includes a funding type that is not configured to display on the panel, a card for that funding type is added to the panel with a blank funding amount.

The Amount field displays for each payment option, and populates the summed total of each required fund amount for the account product(s) associated with an application. For example, if a checking account requires a $5.00 deposit, and a savings account requires a $10.00 deposit, the Amount field displays a total of $15.00. Once the funding information has been added to the application, the system applies the required funding amounts appropriately to each account product.

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