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Frequently Asked Questions

General

Who is ACI Payments, Inc.?

ACI Payments, Inc. is the trusted payment services partner of the IRS, 27 states, the District of Columbia, 350+ colleges and universities, 450+ utilities, 450+ courts and 3,500+ counties and municipalities in all 50 states.

Our services revolve around making payments available by credit cards, debit cards, and electronic checks via the internet, telephone, at the point of sale, in person and other convenient channels. We are dedicated to making payments fast, easy, and secure for our customers by providing the best technology available, the highest level of security, and exceptional customer service.

What is a payment plan?

A payment plan enables you to divide your costs into bi-weekly or monthly installment payments instead of paying in one lump sum.

How does it work?

Simply start with a dollar amount for the upcoming period and divide this amount by the number of installments offered in the plan.

How do I enroll in a plan?

You can enroll online here. Enroll in a plan with ACI Payments, Inc. is a simple 4-Step process that only takes a few minutes.

Is payment plan a loan?

Your payment plan is not a loan. It is an installment option offered by your institution and is administered by ACI Payments, Inc. A payment plan enables you to divide your costs into bi-weekly or monthly installment payments instead of paying in one lump sum.

If I enroll in a plan, does ACI Payments, Inc. pay the selected institution up front, like a loan?

No. ACI Payments, Inc. receives the installment payment from you and disburses it to your institution.

How much are my installment payments?

That depends on the plans offered by your institution. Typically, the payments can be stretched over 3-4 months.

Making A Payment

How do I make a payment?

You can make a payment online once you have logged in to your account. The payment process is fast, easy, and secure.

How can I confirm my transaction has been completed?

If you are paying online, you will receive a digital receipt once your e-check or credit card payment has been authorized. We recommend that you print out the digital receipt for your records as proof of payment.

What do I do with the confirmation number I receive?

If you are paying online, you will receive a digital receipt once your e-check or credit card charge has been authorized. We recommend that you print out the digital receipt for your records as proof of payment.

When does ACI Payments, Inc. credit a payment to my account?

Your payments are credited to your account the day they are received and processed. However, your institution may choose to update their system with the payment records at a later time.

When is my payment considered late?

That depends on the grace period offered by your institution. Typically, the grace period is 10 days. The payment is due on or before the due date for each installment.

What are my payment options for my installment payments?

That depends on the payment options offered by your institution. ACI Payments, Inc. accepts e-check and credit cards. Service fees may apply for some payment options.

What credit cards can I use?

That depends on the credit card options offered by your institution. ACI Payments, Inc. accepts American Express, Discover Network, MasterCard, and Visa payment cards. The cards that are accepted will be identified when you make your payment.

Can I make a payment directly to my institution instead of ACI Payments, Inc.?

If you have an account and are enrolled in a plan with ACI Payments, Inc., you should make your installment payments directly to ACI Payments, Inc. You can make an online payment here.

How do I earn rewards or miles on my credit card if I use ACI Payments, Inc. to make an installment payment?

To earn rewards you must be enrolled in an eligible rewards program through your credit card. Rewards are provided by card issuers and not by ACI Payments, Inc. For more information, check with your credit card issuer.

I have questions about my credit card company's rewards program. Who should I contact?

Please contact your credit card issuer using the number listed on the back of your card.

Who do I call if my payment doesn't show up on my credit card statement?

Please contact customer service at 1-866-964-4020.

I submitted my payment information, but I did not receive a confirmation number. Did my payment go through?

If your payment doesn't show up on your credit card statement, please contact customer service at 1-866-964-4020.

I received a message that my credit card company did not authorize my payment. Who should I contact?

If your credit card company did not authorize your payment, you should contact your credit card issuer directly using the number on the back of your card.

Can I cancel a payment that has already been processed?

No. Once your payment information is submitted, the transaction is complete and cannot be cancelled.

What is your "Schedule Payments" feature?

"Schedule Payments" is a feature for customers who have enrolled in a plan and have established an account profile. Schedule Payments is an automated payment feature that enables the convenient scheduling of future installment payments. Once you have enrolled and set up a payment schedule no further action is required. Your payments will be made on time, every time, through our secure system. You will receive e-mail notification of upcoming payments and a confirmation e-mail once each payment has been processed. The Scheduled Payments feature can be accessed any time by clicking on the "Schedule Payments" link on My Plans page.

How do I schedule payments?

It's easy to schedule all of your installment payments in advance. To access the feature, click on the "Schedule Payments" link on My Plans page. Any payment information you provide during the process will be encrypted, stored and then processed automatically on the specified dates. You will receive an e-mail notification reminder of an upcoming scheduled payment and a confirmation e-mail for each successfully processed payment.

What are the benefits of using Schedule Payments?

Scheduling payments saves you time and allows you to rest easy knowing all of your obligations are being handled by a trusted provider. For example, if you have a recurring payment that you make on a monthly basis, you must remind yourself that your payment is due, write a check, use a stamp, and trust that it will get to the right place on time. By using Schedule Payments, we remember and make the payment for you. No fuss, no worry. We will remind you by e-mail that a scheduled payment is pending and, following each successful payment, we will send you a confirmation e-mail for your records.

What do I need in order to sign-up for Scheduling Payments?

Simply click "Schedule Payments" on the My Plans page. We will guide you through everything you need to do to sign-up and set-up your payments.

Can I cancel a scheduled payment?

Yes. The entire schedule may be cancelled at any time. Simply log into your account and click the "Schedule Payments" link on My Plans page, you will be able to view, edit, and delete scheduled payments.

Can I change or modify an existing scheduled payment set-up?

Yes. Your scheduled payments can be changed or modified. In addition, payment dates and credit card information can be changed at any time. Click the "Schedule Payments" link on the My Plans page, you will be presented with a list of all your scheduled payments, with options to view, edit, and delete them.

Can I use more than one credit card or e-check with Scheduled Payments?

No. You can only use one credit card or e-check for your Scheduled Payments.

My Account

How do I log in to My Account?

You simply enter your e-mail address and password and click "Submit" in the My Account panel that appears on the left side of the page throughout the site.

What if I forget my password?

If you do not know your password, but you know the e-mail address you originally signed up with, you will be asked to answer the challenge question you provided at enrollment. By answering this question correctly, a password hint can be selected for display or a temporary password can be selected to be emailed to you. If you do not know the e-mail address you originally provided at enrollment, please contact Customer Service at 1-866-964-4020.

What will you do with my information after I enroll in a plan?

When you enroll in a plan with ACI Payments, Inc., your information is not shared with any third parties or outside company. Your personal information and payment history are available only to you, and only if you provide the correct e-mail address and password you created during the plan enrollment process. You can edit or delete your information at any time.

Is your enrollment application secure?

We have hardware and software safeguards in place to protect your information. We require that you use a browser that supports a minimum of 128-bit encryption and Secure Sockets Layer (SSL) protocol to provide the highest level of security available.

Why does ACI Payments, Inc. charge a service fee for my payments?

The service fee covers the cost of processing the payment transaction.

Is the service fee negotiable?

The service fee covers the cost of processing the payment transaction and is not negotiable.

Why do I have a service charge on my account?

A service charge may be added to your account for one of the following reasons:

  • Your payment was received after the installment due date.
  • Your payment was returned from the bank because of any irregularity or non-sufficient funds.
Why was my plan cancelled?

A plan can be canceled due to one of the following reasons:

  • Several consecutive missed payments.
  • Several returned payments from the bank because of any irregularity or non-sufficient funds.