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How do I make a payment using ChargeSmart™?
Once you have an active internet connection, go to http://www.ChargeSmart.com. From there, select the type of payment you would like to make, and follow the directions to complete the payment as they are presented on the screen.
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What kinds of payments can I make from ChargeSmart.com?
You are able to use ChargeSmart™ to make payments towards your mortgage, auto loan, auto lease, education loan, or utility bill.
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Which credit card types can be used to fund my payments on ChargeSmart.com?
We accept cards with a Visa, MasterCard, Discover, or American Express logo, however, certain biller categories may be prohibited from accepting some card types.
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Is there a fee to use the service?
The funding of a ChargeSmart™ payment account is always free. However, depending on the biller, there is either a blended fee (including a percentage of the transaction cost) or a flat fee associated with your transaction. The fee will be displayed prominently before you proceed with your transaction, and again at the "Confirm your Payment" screen before the card is charged.
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Will I receive the same amount of credit card rewards for payments on ChargeSmart™?
Yes. The total amount of your payment (including any fees) will receive credit card rewards equal to those of the same value for retail purchases.
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Who do I call for technical support if there is a problem making my payment on ChargeSmart.com?
Call ChargeSmart's™ customer service center at 1-866-7-CHARGE (1-866-724-2743).
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Can a relative or someone else make a payment on my behalf?
Yes. While completing the payment, you must enter the account number that you wish to fund, and the name, credit card number, and expiration date of the cardholder.
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Who should I contact if my payment was not authorized?
Contact your card issuer by dialing the number on the back of your credit card.
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Can I make a partial payment, or pay an amount less than the amount due?
Yes, you may choose to pay less than the entire amount due. However, you may be subject to any additional late fees that are assessed by your account holder.
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How long will it take before my payment is received?
We advise all ChargeSmart™ customers to allow for as many as five business days for your payment to be received in order to avoid potential late fees. We expect that in most cases, however, payments will be received in two to three (2-3) business days.
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What is the advantage to paying my bills with a credit card on ChargeSmart.com?
There are several important benefits gained by using ChargeSmart's™ service. First, there is added convenience in making an online payment as compared to writing and mailing a check or using other conventional payment methods. Secondly, your card may provide you with revolving credit, granting you additional flexibility. Third, you could potentially gain valuable rewards points or miles from your card issuer.
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Can I cancel a payment once it is completed?
No.
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If I pay more than the amount owed on my bill, who do I contact to direct the additional funds?
Contact the payment recipient as they may have standardized operating procedures in the case of excess payments, such as crediting your next month's bill, or mailing you a refund.
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Is there a maximum amount I can pay any biller?
There is no hard cap, however, larger than standard payments may require additional authorization and/or a large payment security fee.
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What is a large payment security fee?
For larger than standard payments, there is a higher incidence of fraud. We purchase insurance to cover this risk. The large payment security fee is the insurance premium required to submit these payments in the most safe, secure way possible.
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How do I schedule an automatic payment on ChargeSmart?
There are two ways to schedule an automatic payment on ChargeSmart. The quickest way is to proceed through the payment process to Step 4 ("Confirm your Payment"). On this page, there is a checkbox that can be ticked to make the payment be submitted automatically each month. When this box is ticked, additional text will appear that confirms your intention to create an automatic payment, as well as the date of your next payment and other relevant details. Move forward and complete your payment to activate your automatic payment. As an alternative, you can create an automatic payment by logging into your ChargeSmart account. Once logged in, view your "Account" page. From there, click the text "Schedule a Payment" and you will be taken to a screen where you can create a new automatic payment. You will need the name of the company you wish to pay, the address where you would mail that company a payment, your account number, as well as appropriate funding information.
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How do I edit my automatic payment?
To change the details of your automatic payment (such as payment amount, payment date, or funding source), login to your ChargeSmart account and navigate to your "Account" page. Once there, the section called "Recurring Payments" will list any automatic payments associated with your account. It will also list relevant payment details, such as the date of the next scheduled payment, the payment amount, and the company being paid. To edit any of these details, click "Edit" on the row of the corresponding automatic payment and make adjustments as you see fit.
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How do I cancel my automatic payment?
To cancel an automatic payment, login to your ChargeSmart account and go to your "Account" page. From there, in the "Recurring Payments" section, click "Edit" in the row of the payment you wish to cancel. Once you are in the Edit screen, find the dropdown menu called "Status" and change from Active to Canceled. (Please note: Automatic payments that received a $10.00 discount as part of our promotional program cannot be canceled unless they have been active for a minimum of three payments.)
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