About Auto Apply

Automatic payment application (auto apply) is an optional setting to allow the system to determine how a customer's payments are applied to outstanding debits. While both retail and commercial customers can be set up for auto apply, it is more widely used and recommended for retail customers' payments to be automatically applied.

Common questions

In what order are payments applied using auto apply?

The funding status of an invoice does not affect the order of payment application. Payments are applied against debits in this order:

1. Finance charges, if any, starting with the oldest.
2. Late fees, if any, starting with the oldest (Periodic and Prox terms only).
3. All other debits (invoices and debit memos), starting with the oldest. Transactions with the same date are sorted by lowest to highest balance.

How to change a customer's auto apply setting?

Contact your financial institution.

Can a customer be past due after paying only the Past Due amount on the statement?

Yes, because payments are applied to finance charges first. Customers should pay the Minimum Payment Due (not the Past Due Amount) to avoid being delinquent.