Bill Pay

Bill pay allows users to send payments or electronic checks to personal or business recipients called "payees." If bill pay is enabled at your financial institution, the bill pay option is available in the web or mobile Transfers screen.

iPay is the default bill pay provider integrated with Narmi's Digital Banking product, but other bill pay and payments providers may be used. However, this should be discussed with your Narmi sales and implementation representatives to ensure all necessary functions and features can be incorporated into the Digital Banking platform with your preferred bill pay/payments vendor.

By default, every user will only have one funding account registered on iPay. This is the checking account submitted when enrolling the user in iPay and is also the user’s default funding account. Please contact your Narmi Relationship Manager for information on approving accounts in iPay.

To send money via bill pay:

1. From the Transfers page on web or mobile, select Bill pay.
   

2. On the page that appears, enter the following information:

• To – Select a payee to send money to. For instructions on adding a new payee, go to Add a New Payee.

• Amount – Enter the amount of money to transfer

• Date of transfer/Payment Date – Enter the date that the transfer should occur (only weekdays are allowed, not weekends)

  Select Continue.

  

3. Review payment details and select Submit payment.

Add a New Payee

To link a new payee for bill pay:

1. For web, on the Make a payment page, select To, then select Link a new payee from the menu. If there are several payees, you may need to scroll down to see this option. If you have no existing payees, you will get the option to select payee type, shown in step 2.
   For mobile, after selecting Bill pay on the Transfers page, select To, then select Add a payee. If there are several payees, you may need to scroll down to see this option. If you have no existing payees, you automatically get the option to select payee type, shown in step 2.
   

   

   
   

2. In the page that appears, select the Payee type, either Business or Personal.
   For business payees, enter the payee's information and select Add payee.
   Note: Make sure to enter the correct merchant account number and zip code. Incorrect entries will result in payment by physical check.

   

   
   For personal payees, in addition to entering the payee's information, a secret phrase is required. After entering the payee's information, select Add payee. After sending the payment, share the secret phrase with the payee. The payee must enter this phrase in order to receive payment.
   

   

Manage Payees

Users can also add or delete payees from their Settings. For instructions, go to Payees (Bill Pay Recipients).