ONLINE PAYMENTS

If you elect to use the Website to make a payment ("Online Payment"), you agree to these Online Payment Terms.

Among other information, your Account(s) will show your original creditor, seller, merchant, account balance, and account offers, if any. You may pay your outstanding obligations through the Website either by initiating a one-time payment or enrolling in a payment plan in accordance with these Online Payment Terms. If you initiate any payment through the Website, you authorize PRA to charge the debit card you provide or initiate a debit from the bank account you designate on the Website. You represent that you have the legal right to use any debit card or other payment account you designate for payment through the Website.

Payment Methods. You may, depending on the status of your Account, make a payment on the Website using your debit card or by authorizing a debit from your checking or savings account via Electronic Funds Transfer (EFT). Additional payment methods accepted by PRA outside of the Website (e.g., payment by mail or by telephone) are described here. Please note that PRA does not currently accept payment by credit card or in an amount of less than $5.00.
One-Time Payments. You may initiate a one-time payment through the Website using your debit card or by Electronic Funds Transfer (EFT) from your bank account. We will process the payment on the date you designate. Your payment may be subject to any limits imposed by your financial institution. You may not pay more than the full balance of your Account or make changes to a payment on the same day that the payment is scheduled to be debited. Changes will go into effect the following business day. PRA may also impose limits on or reject any payment or transaction if it suspects fraud, unauthorized use of a payment account, or as required by law.
Payment Plan. You may also set up a payment plan (a "Payment Plan") where your payment amount is deducted automatically from your bank account on the day you select. You may cancel the Payment Plan at any time by changing the settings in your Account, but you may not cancel the Payment Plan on the day that a payment is scheduled to be debited. Changes will go into effect the following business day. If you enroll in a Payment Plan, you agree that your monthly account statement from PRA will serve as notice of the amount of each payment deduction.
PRA may determine at any time that you are ineligible to participate in Online Payment and remove you from Online Payment, even if you have already enrolled. If this occurs, you will thereafter be required to make payment using an alternative method.
You are responsible for keeping your payment information current and for maintaining a sufficient amount of funds in your bank account to cover the full amount of any payments made to us. If your bank notifies us that there are insufficient funds ("NSF") in your account to pay the amount you authorized for payment or otherwise rejects an EFT debit request, NSF fees may be imposed on you by your financial institution. PRA is not liable for any such NSF fees.
By participating in Online Payment, you agree that PRA may obtain financial information regarding your designated payment account(s) from your financial institution for the purposes of performing electronic payments, resolving payment issues, and verification.
If there is an unauthorized electronic fund transfer to PRA, you must immediately report it to PRA or your bank. You may notify PRA by email or telephone, or in writing. You are liable for subsequent transfers to the extent permitted by state law.
If you believe an error exists in how we applied a payment, you must notify PRA of the error by email or telephone, or in writing. Your notice must identify you by name and Account number, and indicate why you believe an error exists. Please include the type, date, and amount of the error to the extent possible. PRA shall promptly investigate and report the results of our investigation to you. Most complaints are resolved and closed within 30 days of receipt. If we determine that no error occurred or that an error occurred in a manner or amount different from that described by you, our report of the results of the investigation will include a written explanation of our findings. Upon request, we shall promptly provide copies of the documents.