PayOnline Service

Terms and Conditions

The following Terms and Conditions govern your use of the PayOnline Service and your authorization of payment transactions by Mid Oregon Federal Credit Union (Credit Union).


  • Account is the account you have directly with the billing entity. 
  • Authorized User means you or an individual which you allow access to use the service or your source account.
  • Billing Entity is the organization to which you instruct us to make a payment on your behalf. 
  • Payment is a remittance transaction initiated by you through the service.
  • Payment Date The current or future calendar day you elect your source account to be debited and for the financial institution or billing entity to receive the payment. If the calendar day you elect falls on a non-business day or after the daily cutoff time for the payment service, the actual payment date and the actual date your source account will be debited will be the following business day.
  • Payment Instruction is the information provided by you to make a payment through the payment service.
  • Recurring Payment is a payment submitted in a scheduled pattern on the dates and in the amount designated by you.
  • Scheduled Payment is a payment that has been scheduled to process on a future date.
  • Source Account is your checking account, savings account or debit card account held at a United States financial institution or a credit card account from which payments and fees (if applicable) will be debited.
  • Stored Pay Accounts is the source account information you may save to make future payments.

Payment Authorization

By completing and submitting the PayOnline information, you authorize the Credit Union to initiate a charge in the specified amount to the bank account, credit card, or debit card number you provide, for credit to your Credit Union loan or deposit account.  You certify that you are authorized to initiate transactions on the Source Account you provide. You agree to follow account and card guidelines for all source accounts. When we receive a payment instruction from you, you authorize us to debit or charge your source account for the amount of any payment plus any related fees in effect at the time you initiate the payment instruction and to remit funds on your behalf.

Transaction Conditions and Limitations

Sufficient Funds. You agree that you shall not intentionally schedule a payment in excess of the greater of the amount due or the total balance owed on your account. You acknowledge that we may refuse to process any overpayment or we may adjust the payment amount down to the amount due at time of payment processing as to avoid overpayments.  If a card transaction is rejected or returned for any reason, the amount will be deducted from your deposit or loan account.  If the transaction is for a loan payment, you will be responsible for making the loan payment by alternate means if the card transaction is rejected or returned.

Cancelled Transactions. You may be permitted to cancel or edit a payment until such time as the processing of the payment instruction starts. There is no charge for canceling or editing a payment prior to the processing of the payment instruction.

Stored Pay Accounts. The stored pay accounts feature allows you to save your source account for use in making future payments. If you elect to use a stored pay account, the terms following apply. You authorize the addition of source accounts to your profile when you add each account.  It is your responsibility and you agree to ensure that the information maintained in your profile including source account information is accurate. If your source account number changes or your credit or debit card expiration date changes, you agree to make updates to your source account. You also authorize us to acquire such new or additional information regarding your accounts from our financial services partners and authorize the update of your source account information accordingly. All changes made by you or acquired by us will be effective for future payments paid using the source account.

Recurring Payments and Scheduled Payments. You may have the option of selecting recurring payments through our auto-pay feature. If you choose to set up recurring payments, or if you initiate a scheduled payment, an email confirmation will be sent to you confirming that your payment instruction has been received and accepted by our services.  For recurring payments and scheduled payments, we will debit the amount designated by you on the date or future dates you selected. If recurring payments are scheduled, you may receive email confirmations of payments charged to or debited from your source account. It is your responsibility to update your email address in your profile with your current email address. We will not be responsible for email confirmations that are not received as a result of delivery failures (spam blockers or incorrect email address). You may terminate your participation in recurring payments online. It may take up to five (5) banking days to process termination requests.

Disputes. If you dispute a payment made from a source account, you acknowledge that the dispute must be addressed with your issuing debit or credit card provider or financial institution including fraud and chargebacks. We are not responsible for disputes or any research or resolution of such payment disputes.

Your Responsibilities

It is your responsibility to ensure that all source account information is accurate, valid and up-to-date in order to ensure proper authorization of your payment. We will not be responsible for any payment processing errors or fees incurred if you fail to provide accurate source account information. You are responsible for ensuring that there are sufficient funds available in your source account to cover any amount you authorize for payment. If you do not have sufficient funds in your source account, your payment may not be processed. Your payment may not be processed after a credit or debit card expires. In the event your payment is not processed for any reason, including the failure to obtain an authorization from your card issuer or financial institution or you have not provided us with the correct information, your liability shall remain outstanding and unpaid and you will be subject to all applicable penalties, late fees and interest charges assessed thereon, of which all obligations remain your sole responsibility.


You acknowledge and agree that a fee may be charged to you to process transactions pursuant to this agreement. Any such fees will be disclosed to you prior to completing the payment instruction. You hereby agree to pay any applicable fees which may be charged. You also authorize us to credit your source account in the event that any payments are returned. In order to process payments more effectively, we may edit or alter payment data or data formats. We will use reasonable efforts to complete your payments properly.  Any fees associated with your source account, including without limitation any assessed by your financial institution or credit card issuer, will continue to apply. You are also responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider in connection with your use of the payment service.

Our Responsibilities

We are not liable if the service is unable to complete any payments initiated because of the existence of any of the following circumstances or other reasons identified in this agreement:

  • Source account does not contain sufficient funds
  • If our payment processing center is not working properly and you know or have been made aware of the malfunction before you execute the transaction
  • If you have not provided us with the correct source account information
  • If your debit or credit card is expired
  • If circumstances beyond our control (such as, but not limited to, fire, flood, or other acts of God, third party systems or interference from an outside force) prevent the proper execution of the transaction
  • If you failed to follow our instructions for the use of the service

Provided none of the exceptions are applicable, if we cause an incorrect amount of funds to be removed from your source account or cause funds from your source account to be directed in a manner that does not comply with your payment instructions, our sole responsibility to you shall be to return the improperly transferred funds to your source account or to direct any previously misdirected payments to the billing entity.


By providing your telephone number (including a mobile telephone number) and/or email address, you consent to communications from us and our service provider, including emails, receiving calls and/or text messages at the provided number and/or emails from us for business purposes including identity verification. You authorize us to send or provide via electronic communication any notice, communication, amendment or replacement to the agreement, payment receipt, or disclosure required to be provided orally or in writing to you. You agree to receive any electronic communication provided to you and will not attempt to avoid receiving any such communication. By providing us with a telephone number (including a mobile telephone number), you consent to receiving autodialed and prerecorded message calls at that number for service-related purposes. You agree that we may provide notices to you by sending them to you through an in-product message within the payment service, emailing them to an email address that you have provided, sending them via text message to any mobile number provided, or by mailing them to any postal address that you have provided.

Information Security & Verification

You agree that the information you provide to facilitate a payment, including your source account information, may go through a verification process. You further agree that we may obtain financial information regarding your source account from your financial institution. We may obtain information to resolve payment posting problems, set transaction limits or for verification purposes or additional information if required. You agree not to give or make available your access or access credentials to the payment product or service to any unauthorized individuals. You are responsible for all payments you authorize using the payment service or that are made using your access credentials. If you permit authorized users or other persons to use the payment service, you are responsible for any transactions they authorize. If you believe that your access or access credentials to the payment service has been lost, stolen or otherwise compromised without your permission, you must notify the billing entity. If you believe there have been any unauthorized debits related to your source account you should notify the financial institution associated with the source account immediately.

Change in Terms

These Terms, applicable fees and service charges may be amended. If changes occur we will post a revised terms and conditions document on the payment site or provide a revised version to you by other methods.. Any use of the payment service after a notice of change will constitute your agreement to such changes and revised versions. The amended terms will be effective at the time they are posted or otherwise provided to you.


We reserve the right to terminate this agreement as to all such prior versions of the applications, services or other material and limit access to only the most recent revisions and updates. You authorize us to send or provide by electronic communication any notice, communication, amendment or replacement to the agreement or disclosure required to be provided orally or in writing to you. Your use of the service may be terminated or suspended at any time for any reason or no reason.