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Payments is a feature of Cape Cod 5’s Online Banking and Mobile Banking that allows you to securely pay companies or people directly through the Bill Pay service without writing checks or sending cash. Entities that you pay (payees) can either receive a paper check or have the funds deposited electronically*. 

*Direct deposit (electronic payments) to individuals requires the recipient’s routing and account number. 

 

                       

Payments Quick Links

How to add & delete a Payee in Online Banking

How to add & delete a Payee in Mobile Banking

How to pay a bill and set up electronic bills (eBills)

View pending payments and history 


     How to add and delete a Payee in Online Banking

Add a Payee in Online Banking
Use the following steps to add a Payee in Online Banking:  
Step
Action
1
From your Dashboard, click Manage Payments in the Payments card. 
If the Payments card isn’t visible, click Organize Dashboard and add it. 
2
Click the +Payee link. 
The Add payee screen appears. 
3
Select whether you’d like to pay a person or a company and click Next
If you select Pay a person
  • You’ll need to choose whether the payee will receive their payments by check or direct deposit.
If you select Pay a company
  • Select the company from the list of frequently used payees. 
  • If the company isn’t listed, start typing their name in the Search Payee field.  When the desired payee appears, select it from the results. 
  • If no results populate, click Add or Next to begin adding them manually. 
4
If adding a person as a payee: 
  • Enter information about the person into the appropriate fields on the Add payee screen. 
  • Select the Default pay from account from the drop-down list. 
  • To assign a category for taxes, reporting or your own records, select the Category from the corresponding drop-down list or click Add new category
  • Click Next
If adding a company as a payee: 
  • Enter information about the company and/or your account in the appropriate fields. 
  • To assign a category for taxes, reporting, or your own records, select the Category from the corresponding drop-down list or click Add new category
  • Click Next or Submit
You may have to work through multiple screens to complete the process of adding the payee. 
The Manage payments screen appears with the newly added payee listed. 
You will also receive an email from Cape Cod 5 stating that the payee’s profile has been added.
Delete a Payee in Online Banking
Occasionally, you may need to delete a payee from Bill Pay e.g., you cancel a service or pay off a loan. Use the following steps to delete a Payee in Online Banking:  
Step
Action
1
From your Dashboard, click Manage payments* in the Payments card. 
*This can only be done in Online Banking. 
2
Select the payee you’d like to delete. 
3
Click Edit payee. 
4
Select the I would like to delete this payee checkbox. 
5
Click Submit.


   How to add and delete a Payee in Mobile Banking

Add a Payee in Mobile Banking
Use the following steps to add a Payee in Mobile Banking:  
Step
Action
1
From your Dashboard, tap Pay a bill
2
Tap the plus sign (+). 
3
Enter your password and tap Submit.
4
Enter the name of the company (payee) you would like to pay, a nickname (optional), the company’s phone number, and your account number with the company, and tap Continue
If you’re adding a person as a payee in the app, enter the person’s name in the Company name field and leave the Account number field blank. The payee will be paid by check. (i.e., the payment will not be sent electronically.) 
5
Enter the mailing address of the company and tap Submit
The information entered will be checked against an online database to determine if the company can accept electronic payments. If it can, the delivery method will be reflected as Electronic when you pay the company. Otherwise, the delivery method will appear as Check
A message displays saying Payee added. You may return to the dashboard or continue with making a payment to this payee. 
You will receive an email from Cape Cod 5 stating that the payee’s profile has been added. 
Delete a Payee in Mobile Banking
Occasionally, you may need to delete a payee from Bill Pay, e.g., you cancel a service or pay off a loan. Use the following steps to delete a Payee in Mobile Banking:  
Step
Action
1
From your Dashboard, tap Payments in the main menu 
*To open the main menu, tap the menu icon Hamburger Icon (or “hamburger” icon)  in the upper left-hand corner. 
2
Select the payee you’d like to delete. 
3
Tap Edit in the upper right-hand corner. 
4
Tap Delete in the upper right-hand corner. 
5
Tap Ok

   How to pay a bill and set up electronic bills (eBills)

You can opt to receive electronic versions of your bills (rather than receiving paper bills). If you set up an eBill for an eligible payee, Cape Cod 5 receives a notification when your bill is available. Instead of receiving a physical bill from the payee, you’ll receive an electronic notification from Cape Cod 5 that your bill is ready. 
You must use Online Banking to set up Payees for eBills. This cannot be completed in Mobile Banking. 
How to pay a bill
Use the following steps to pay a bill: 
Step
Action
1
From your Dashboard, select Pay a bill
2
Click/tap the payee that you’d like to pay. 
If you are trying to pay a person and they don’t appear, please consider: 
If you’re using Online Banking, click the filter icon in the upper-right of the Pay a bill screen, select the People check-box, and click Done
3
Enter the amount of the payment and click/tap Submit
To change the frequency, set the send date, or add a memo/comment, click/tap More options
The delivery method displays below Submit
How to set up a payee for eBills
Use the following steps to set up a payee for eBills:
Step
Action
1
Click on Manage payments in the Payments card. 
2
Select the desired payee from the list of eligible payees in the upper-right corner of the screen. 
If your desired payee isn’t listed, they are not eligible to be set up for eBills. 
3
Enter the credentials you would use to access your account on for their website, and then click Accept and Submit

Watch a short video of how to pay a bill in Online Banking


  View pending payments and history

Past payments can be viewed right from your Dashboard in the Payments card. Pending, cancelled and completed payments will show in a combined view.* 
* If the Payments card isn’t visible, click Organize Dashboard and add it. 
 
To see the payments you’ve made broken out, click Manage payments**. You’ll see your past payments on the right side of the screen. Pending payments and History payments will be displayed in their respective sections. 
**This function is only available in Online Banking, not in the mobile app. 

 

Watch a short video of how to view pending payments and history

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