Create AutoPay

AutoPays allow users to schedule automatically processed payments. Note the following when using this request:

This request will schedule an AutoPay (or multiple AutoPays) on an account. There is a wealth of configuration settings available, and we recommend taking some time to look at each parameter in the payload.

The ability to create an AutoPay on a loan is dependent on AutoPays being enabled in the LoanSettings. The autopayEnabled field within the LoanSettings object must be set to1.

This request requires three different dates: applyDate, processDate, and processDateTime. Each of these is required, so make sure to pay close attention to our descriptions of them in the payload editor below.

A scheduled AutoPay may fail when it's processed. This may happen if the customer's payment account is invalid or if the selected processor for the payment is incorrect.

You can create an AutoPay for a loan's associated child loans as well. To do so, add the TransactionChilds object.

For an example of how AutoPays work within the UI, take a look at our Scheduling a New AutoPay article.

Database

For information regarding AutoPay database tables, take a look at the following articles:

Database – AutoPay Main Table (loan_autopay_entity)

Database – Defaults Autopay (defaults_autopay)

Database – Holding Account Autopay Info (holding_account_autopay_entity)

{
    "Autopays": {
        "results": [
            {
                "name": "Default monthly autopay",
                "type": "autopay.type.recurring",
                "paymentExtraTowards": "payment.extra.tx.principal",
                "amountType": "autopay.amountType.static",
                "amount": 250.00,
                "paymentTypeId": 1,
                "chargeServiceFee": "0",
                "processCurrent": 1,
                "retryDays": 0,
                "processTime": 22,
                "postPaymentUpdate": 1,
                "applyDate": "2016-09-18",
                "processDate": "2016-09-17",
                "methodType": "autopay.methodType.echeck",
                "recurringFrequency": "autopay.recurringFrequency.monthly",
                "recurringDateOption": "autopay.recurringDate.processDate",
                "daysInPeriod": "",
                "schedulingType": "autopay.schedulingType.calendarDay",
                "scheduleNextIfFail": 0,
                "processDateCondition": "calendarDays",
                "payoffAdjustment": 1,
                "chargeOffRecovery": 0,
                "paymentMethodAuthType": "payment.echeckauth.PPD",
                "paymentMethodAccountType": "bankacct.type.checking",
                "processZeroOrNegativeBalance": 0,
                "lastDayOfMonthEnabled": 0,
                "primaryPaymentMethodId": 123,
                "recurringPeriods": 36,
                "baProcessor": "1",
                "processDateTime": "2016-09-17 22:00:00"
            }
        ]
    }
}

{
    "Autopays": {
        "results": [
            {
                "name": "Default monthly autopay",
                "type": "autopay.type.recurring",
                "paymentExtraTowards": "payment.extra.tx.principal",
                "amountType": "autopay.amountType.static",
                "amount": 250.00,
                "paymentTypeId": 1,
                "chargeServiceFee": "0",
                "processCurrent": 1,
                "retryDays": 0,
                "processTime": 22,
                "postPaymentUpdate": 1,
                "applyDate": "2016-09-18",
                "processDate": "2016-09-17",
                "methodType": "autopay.methodType.echeck",
                "recurringFrequency": "autopay.recurringFrequency.monthly",
                "recurringDateOption": "autopay.recurringDate.processDate",
                "daysInPeriod": "",
                "schedulingType": "autopay.schedulingType.calendarDay",
                "scheduleNextIfFail": 0,
                "processDateCondition": "calendarDays",
                "payoffAdjustment": 1,
                "chargeOffRecovery": 0,
                "paymentMethodAuthType": "payment.echeckauth.PPD",
                "paymentMethodAccountType": "bankacct.type.checking",
                "processZeroOrNegativeBalance": 0,
                "lastDayOfMonthEnabled": 0,
                "primaryPaymentMethodId": 123,
                "recurringPeriods": 36,
                "baProcessor": "1",
                "processDateTime": "2016-09-17 22:00:00",
                "TransactionChilds": {
                    "results": [
                        {
                            "loanChildId": 36, // This is the ID of the relationship itself.
                            "childEntityId": "", // This field can be left blank.
                            "entityId": "",  // This field can be left blank.
                            "entityType": "Entity.Autopay",
                            "amount": "250"
                        },
                        {
                            "loanChildId": 37,
                            "childEntityId": "",
                            "entityId": "",
                            "entityType": "Entity.Autopay",
                            "amount": "250"
                        },
                        {
                            "loanChildId": 38,
                            "childEntityId": "",
                            "entityId": "",
                            "entityType": "Entity.Autopay",
                            "amount": "250"
                        }
                    ]
                }
            }
        ]
    }
}