In Canada, these are called pre-authorized debit agreements or PAD. Our Customer Service Associates will work hard to resolve your concern to your satisfaction. 35 1 800 465 CIBC (2422) Contact us by phone for questions. Main Edit. We hereby request and authorize CIBC Mortgages Inc. From the Scotiabank app, tap “Manage” then “AutoPay” and finally select “Set up AutoPay. Nearly 4 months ago as we has setting up our mortgage with CIBC they offered us a home warranty, who was clear for 5 months and then $15. Changes must be submitted to us in writing. Through a single integration, we are able to offer non-profits on our platform easy access to pre-authorized debits in Canada that reduce payment failure and lower costs. Pre-Authorized Debit – Enrollment. Finance your purchase through Canadian Tire Bank® with no-fee, no-interest^. By using Square Canada, Inc. or b. This payment method is supported for payments from Canadian shoppers to merchants in CAD. I just discovered a preauthorized remuneration for Assurant Services Canada Incl. (“Assurant”) provides, controlled and. Pre-Authorized Debit is a payment method where money is electronically withdrawn from the shopper’s bank account and then deposited into the merchant’s own bank account. Nearly 4 months ago as we has setting up our mortgage with CIBC they offered us a home warranty, who was clear for 5 months and then $15. Accept bank debits from Canadian customers for large or recurring paymentsThese include, pre-authorized payment, equal payment plan, telephone and online. Find detailed legal information for specific PC Financial products & services. We specialize for delivering extended protection software and support services that strengthen customer loyalty, deliver a memorable experience and generate sustainable profit. Easily add and underline text, insert images, checkmarks, and symbols, drop new fillable fields, and rearrange or remove pages from your paperwork. Pre-authorized debits occur once, on a set date. Businesses debiting aI, the undersigned, (if a legal person, herein represented by its duly authorized representative(s)), authorize the Payee to ma ke pre-authorized debits (PAD) from my account with the aforementioned financial institution, at the following interval: weekly every 2 weeks twice monthly monthlyPreAuthorized Debit Plan Authorization of the Mayor to the Payee to Direct Debit an Account St. In 2019, more than C$876 billion was processed through bank debits. You can provide a date to let clients know when the payment is due and you can include an invoice number to keep track of payments *. The value of payments cleared and settled by Payments Canada in 2015 was nearly $50 trillion, or $197 billion every. Usually PAD limits are much higher than debit card transactions. Click the Get form button to open it and begin editing. Or, you could pay your premium by mailing in your personal stop and the cost of a stamp. Through a single integration, we are able to offer non-profits on our platform easy access to pre-authorized debits in Canada that reduce payment failure and lower costs. Fell on loans or debit assurant services canada purple shield funeral protection than later to allow for the collection mayPre-authorized debits (PADs), or guide debits, give specific payees permission to retire money off your bank account when one bill is amount. $1 $25,000. Carriers;Assurant Hong-kong protects what important most for your customers and customers alike. This means that it can take up to 5 business days after initiating a payment to receive notification of success or failure. [1] Payments Canada, A Proposed Revised Framework for Pre-Authorized Debits, online. Obtain the pre-authorized form: You can typically find this form on the Walmart Mastercard website or by contacting their customer service. Quickly add and underline text, insert pictures, checkmarks, and icons, drop new fillable fields, and rearrange or remove pages from your document. Go to GoCardless Blog Homepage. This type of payment allows you to pay bills with your credit card by letting the biller automatically charge your credit card on a regular. 23 information, and general inquiries, = $3,077. Online payments. Pre-Authorized Debit (PAD) is a popular Canadian debit payment method where money is electronically withdrawn from the shopper’s bank account and then deposited into the merchant’s own bank account. Most Cash Back Account Cards. 1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. Solutions Developers Resources Contact Sales. Pre-authorized debits. 2. 3. " 2. This trademark was filed to the Canadian Intellectual Property Office on Thursday, October 18, 2012. Opening balance on Apr 1, 2018 $3,224. Step 2: Attach a void cheque (or pre-authorized debit form) from your bank/financial institution. , 41st Floor, New York, New York 10005,UNITED STATES. Accept secure pre-authorized debits in Canada Accept pre-authorized bank debits (also known as PADs or ACSS) from Canadian customers for large or recurring charges to minimize payment failure and lower transaction costs. Pre-authorized debits (PADs) are a convenient way to pay bills and make payments automatically. Fill out Canada BMO Insurance Request for Pre-Authorized Payment within several minutes by following the recommendations below: Select the template you want in the library of legal form samples. Roadside Assistance is brought to you by Canadian Tire Services Limited. Checkout. Learn how to accept pre-authorized debit payments in Canada. 16) I/We may obtain a copy of or ask questions about the broker's and the Insurer's personal information policies by contacting their respective privacy officers. " 3. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance provided with. Through a single integration, we are able to offer non-profits on our platform easy access to pre-authorized debits in Canada that reduce payment failure and lower costs. Instead of sending a payment, a company withdraws funds from your bank. utilities, credit cards) you pay by mail, at the ATM, in branch or by phone; and may help you avoid late fees. In the Home window, on the File menu, select Import/Export, Upload Direct Payments, and then Pre-Authorized Debits. Checkout. . There are other ways to accomplish the actions up this site without any fee. Please note that BalanceProtector premiums will continue to be charged to your account and increase your outstanding balance. Call or visit the website of the company you wish to set up a Pre-Authorized Debit (PAD) with. Disbursement Request means a disbursement request from the Borrower to the Administrative Agent and the Collateral Agent in the form attached hereto as Exhibit C in connection with a disbursement request from the. PADs are typically used for recurring payments, like mortgages and utilities, membership dues, charitable donations, RSP investments, and. Click the arrow with the inscription Next to move from one field to another. Please contact the insurer, Assurant Solutions directly at 1-888-896-2766, or visit to submit a claim. RULE H1 -PRE AUTHORIZED DEBITS (PADS) 6 PART I – GENERAL General – Introduction 1. Toronto, Ontario M2N 7C7 . In the message box, you can click on I want to manage my uploaded transactions online to log on to the Sage 50 Accounting service provider's web site to edit your uploaded files. Details are provided in the Statement of Services included in the Triangle World Elite Mastercard welcome kit. Customers have many choices when it comes to protecting their purchases, travel and financial well-being, and so should you. Solutions Developers Resources Contact Sales. Commercial Equipment. Telephone: (US, Canada): 1-844-932-6640 Email: transfers. Solutions Developers Resources Contact Sales. LEARN MORE 100% of parts furthermore labor are covered to repair manufacturer defects not overlaid by the manufacturer’s warranty; Five (5) Service Requests period plan term and up to 2 physical damage Service Questions and 1 employee replaceable battery Service Request Assurant belongs the marktwirtschaft leader in lender-placed insurance and outsourcing solutions, partnering about that majority of financial institutions and mortgage servicers included one U. are unable to find the information you need, have a question about your account,Manually configure Canadian pre-authorized debit as a payment; Save Canadian pre-authorized debit details for future payments; Mandates. Pricing. Through a single integration, we are able to offer non-profits on our platform easy access to pre-authorized debits in Canada that reduce payment failure and lower costs. (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services. Client’s Information (please print clearly) Name: TELUS 10-digit phone number: or TELUS Account Number:The pre-authorized debit happens in 3 short steps. Rule H1 lists 7 mandatory provisions that must be included in any Payor's pre-authorized debit (PAD) agreement. We particularize in delivering extended protection programs and support services that strengthen customer loyalty, deliver a memorable experience and generate sustainable. Before initiating a PAD, you must obtain the account holder's authorization (the payor) by using a form or a process that has been approved by Desjardins AccèsD Affaires . We answer questions quickly and completely. $7. Refer to the Payments Canada Rule H1, Pre. Global Payments. 00% interest rate on your new. Withdrawals - 3,168. Based on the approximate monthly spend of $5,000, in one year you could earn. Pre-Authorized Debit (PAD) Agreement Call 310-2255 if you need help completing this form. com We will notify you by sending a notice using the US Postal Service to the address you have provided us in the Pre-Authorized DebitCredit Limit Granted: Range between $1,500 - $5,000, exact credit limit is determined during the application process. Payments . Global Payments. Pricing. ; After your customer authorizes you to collect and process debit payments, enter the pre. Online payments. Pre-Authorized Debit API For An Embedded Payment Experience. Through a single integration, we are able to offer non-profits on our platform easy access to pre-authorized debits in Canada that reduce payment failure and lower costs. CIBC Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. Account must be approved by March 4, 2024. These services are provided by Assurant Services Canada Inc. Effective August 1, 2022, the Government of Canada is expanding access to disability supports to students and borrowers with a persistent or prolonged disability. They became the largest payment method in terms of transaction value. (“CIIS”) to debit my account in accordance with the terms and. 14 Electronic Filer hereby waives its right to receive pre-notification of the amount of theBlueSnap Merchant Support to enable this payment method. This communication is to serve as notice that amendments to Payments Canada’s Automated Clearing Settlement System (ACSS) Rule H1, Pre-Authorized Debits (PADs), have been . ASSISTANCE AND FINANCIAL SERVICES. Our payment API comes fully loaded with over 250 endpoints that give access to payment rails, open banking, risk intelligence and more. These payments will come out on a set schedule that is determined by an agreement you make with the merchant. A SetupIntent is an object that represents your intent to set up a customer’s payment method for future payments. Pricing. A message then informs you that Sage 50 Accounting has uploaded a pre-authorized debit file to your service provider. A pre-authorized payment is when you give a merchant authorization to automatically withdraw funds from your debit or credit card to cover a payment. Or,. Through a single integration, we are able to offer non-profits on our platform easy access to pre-authorized debits in Canada that reduce payment failure and lower costs. Pricing. Enjoy a 6. Checkout. Setup, edit and manage your pre-authorized debits using our single-layer API integration for full control of direct debit payment collections. Payments . Global Payments. Assurant Services Canada Inc. Online payments. Please note that we collect health data only to manage a health-related product or service, such as life or disability insurance, for which you applied. You will be taken to the pre-authorized debit management page, where you will be able to create a new agreement, manage any active agreements you may already have and view inactive agreements. Write a letter of cancellation to your merchant and keep a copy for yourself. 6 Underwritten by TD Life Insurance Company. Owner: Assurant, Inc. . For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit CUMIS General Insurance Company P. AutoLoad for pre-Authorized Debit 5 Step 7: PAYMENT To complete your AutoLoad for pre-authorized debit from your bank account, please enclose a cheque marked VOID or complete the information below according to the diagram. Canadian pre-authorized debits are a reusable, delayed notification payment method. Visit here for details. 100, Thornhill, ON L3T 7W4, Canada 1-866-388-0076. ** The principal place of business for Caribbean American Quality Insurance Company also Assurant Services of Puerto Rio Inc. Pricing. Embed financial services in your platform or product. These services are provided by Assurant Services Canada Inc. Assurant Canada protects what matters most for your customers and clients alike. 95 per In order to use the Payment Services, as defined in the Payment Terms, you (“you” and “your”) must pre-authorize Square Canada, Inc. WithDraWal authorization – (Payer agreement – Personal Pre-authorizeD Debit)Assurant Canada protects what matters highest for your customers and clients alike. In the pre-authorization agreement, the. Our Pre-Authorized Debit e-book. Step 3: Send the completed and signed form with your void cheque (or pre-authorized debit form) to Fairstone Bank of Canada (“we”, “us ”) at: First National Home Equity Secured Mastercard issued by Fairstone Bank of Canada . Global Payments. 42). Credit Cards. This Pre-Authorized Debit Agreement (this “Authorization”) constitutes your agreement and authorization. Checkout. 1-877-933-4800. Through a single integration, we are able to offer non-profits on our platform easy access to pre-authorized debits in Canada that reduce payment failure and lower costs. Pre-authorized debits guide Pre-authorized debits (PADs) are a convenient way to pay bills and make payments automatically. This trademark was filed to the Canadian Intellectual Property Office on Thursday, October 18, 2012. 4% X $100). ; In the Currency and Location box, select your customer's bank account currency and country. LEARN MORE. In the message box, you can click on I want to manage my uploaded transactions online to log on to the Sage 50 Accounting service provider's web site to edit your uploaded files. This sample of a void cheque will help you complete your bank account information. or call Client Services toll-free number at 1-800-668-7327 or by email at clientservices. Payments . Solutions Developers Resources Contact Sales. Through a single integration, we are able to offer non-profits on our platform easy access to pre-authorized debits in Canada that reduce payment failure and lower costs. 95 monthly fee for seniors 11 — or less with Value. Cash back is automatically applied to your account every year, and there's no limit on how much cash back you can get. Been paying rent fine as PAD for over a year here. Learn more about us or access the help centre. Solutions Developers Resources Contact Sales. Keep to the step-by-step guidelines below to add an eSignature to your vancity pre authorized debit form pdf: Select the paper you would like to sign and click Upload. 5 Million Items . While PADs aren't an instant payment like a credit card, and they. 95 per Annual Interest Rate / Credit Rate. In the message box, you can click on I want to manage my uploaded transactions online to log on to the Sage 50 Accounting service provider's web site to edit your uploaded files. Global Payments. The Sage 50 Accounting pre-authorized debit feature uses the Electronic Funds Transfer (EFT) system in Canada and the Automated Clearing House (ACH) system in the US. Simply specify. or the applicable participating retailer or carrier. 4 Billion Items Total Value. If you pay off your outstanding balances quickly, opting for overdraft protection is cheaper than paying $48 per strike!I just discovered a preauthorized payment for Assurant Services Canada Inc. or services with the biller, or any amount owed. However, Direct Services do not include card services such as Debit Cards including those provided by a Third Party. The term pre-authorized refers to the arranged agreement of payment held between a business (the payee) and a customer (the payor). , Registration Number 87011 9351 RR0001 I (We) hereby authorize AFG (Canada) Inc. Applicable rules. 6 Trillion. If you have cancelled lines in past 90 days, you may need. FREE Interac ‡ e-Transfer transactions 5, 6. To collect customer payments with Direct Payments: To upload a pre-authorized debit file using Sage 50 EFT Direct: Published: June 27,. It is administered by Payments Canada. "260 to 272", or "330 to 449"). • create a new monthly pre-authorized debit plan or change an existing plan • Should you have any questions about completing this form, contact your advisor or call our customer service centre at 1-888-626-8543 in all provinces except Quebec or 1-888-626-8843 inPRE-AUTHORIZED DEBITS (PAD) FROM YOUR CHECKING ACCOUNT TO: AFG (Canada) Inc. [3] Rule H1, supra note 2, s. Reset password is busy but visitor want to the notice given as the benefits. Scroll down to "Method of Payment", click on "Change" and then "Sign-up for Pre-authorized Payment. It’s a great way to pay bills like a mortgage, utilities, and insurance. In Canada, these are called pre-authorized debit agreements or PAD. Checkout. With our financing program, it’s even easier to get the products you need. In this Pre-Authorized Debit Agreement (“PAD Agreement”), “Customer” refers to the customer identified below, and “PRESTO” refers to the PRESTO Service operated through and by Metrolinx, a Crown Agency within the meaning of the Crown Agency Act (Ontario) (“Metrolinx”). For any questions with respect to the trade-in process conducted online at please call 1-800-726-7864. Mobile Device Insurance. (Pre-Authorized Debit) Collect payments from international customers. A heavy portable strategy remains ready that helps you find opportunities up monetize your mobile program across and full device lifecycle management value chain. These services are provided by Assurant Services Canada Inc. , resident Sheila MacIsaac was refunded $3,900 by RBC after seeing a Marketplace story about credit card insurance. Edit Simplii financial pre authorized debit form. Wee specialize in delivering extended protection plots and support. About 4 months ago when we has setting up our mortgage use CIBC they bid us a home warranty, this was free by 5 per and then $15. 1-888-896-2766. on Saturday and Sunday. Please send this authorization by fax to 514-394-6955 or mail it. 22. Any bonus multiplier is based on the base rate of collecting CT Money (0. 95 periodAround 4 from before when we were setting up on mortgage with CIBC they offered us one home warranty, what what free for 5 months and then $15. You confirm that this means, your financial institution is not required to verify that a pre-authorized debit has been issued inEmbed financial services in your platform or product. Global Payments. Fill out the requested boxes which are marked in yellow. Payments Canada USBE US Bulk . 3. The organization underpins the Canadian financial system and economy by owning and operating Canada’s payment clearing and settlement infrastructure, including associated systems, by-laws, rules and standards. Wait a few days, then call the merchant and. BUSINESS PRE-AUTHORIZED DEBIT (PAD) Means a PAD (Pre-Authorized debit in paper, electronic or other form) drawn on the account of a Payor such as, but not limited to, a corporation, an organization, a trade, an association, a government entity, a profession, a venture or an enterprise for the payment of goods and services related to commercial. Global Payments. A strong cellular strategy is one that helps you find options to monetize your mobile program across the total device lifecycle direktion value chain. This means that it can take up to 5 business days after initiating a payment to receive notification of success or failure. Payment Canada has announced changes to Rule H1, which governs pre-authorized debits. These automatic bank payments make it easier for consumers to keep up with recurring bills. Renters Insurance. You must provide your banking information as part of the pre-authorized debit agreement. 95 perFill out the form to set up your direct deposits and pre-authorized payments. on this update, change of personal. Manually configure Canadian pre-authorized debit as a payment; Save Canadian pre-authorized debit details for future payments; Mandates. Solutions Developers Resources Contact Sales. and 8:30 a. Each transaction must occur at least once per month. LEARN MORE A pre-authorized debit allows the biller to withdraw money from your bank account when a payment is due. The pre-authorized debit feature allows you to accept customer pre-authorized payments and deposit them directly into your bank account. She has since been refunded $3,900 after. I thought this was a bank withdrawal for some insurance policy for CIBC. You must also meet the following conditions: The business has an account at a participating financial institution (see the list below). Start completing the fillable fields and carefully type in required information. In fact, nothing exhibits that better than the BNPL. Payments Canada is a non. Earn up to 1. The service is available for paying an amount owing on current year T1 tax. Pricing. For more information and/or to see if you are eligible for persistent or prolonged disability benefits, visit Canada. In the message box, you can click on I want to manage my uploaded transactions online to log on to the Sage 50 Accounting service provider's web site to edit your uploaded files. Learn more over us oder access the help centre. to 4:00 p. Online payments. We cannot accept cash or payment by cheque for AutoLoad. In order to use Canadian pre-authorized debits, you must obtain authorization from your customer for one-time and recurring debits using a pre-authorized debit agreement. You can get Purchase Assurance and Extended Warranty on eligible new items you purchase with your ATB US Dollar Mastercard. Association’s (operating as Payments Canada) Rule H1 – Pre-Authorized Debits (PADs) (Rule H1) came into effect on October 3, 2022. Box 61760. Set Up Pre-Authorized DebitEmbed financial services in your platform or product. During the payment flow, Stripe helps you collect a mandate which gives your business authorization to debit the customer’s account. Learn more about our or access the help centre. Learn more about our or access the help centre. Pre-Authorized Cheque Plan Request for Pre-Authorized Cheque Plan: RBC Life Insurance Company (the “Company”) is hereby requested and authorized to make monthly withdrawals in paper or electronic form under its Pre-Authorized Cheque Plan (the Plan), such withdrawals to be charged against the account at the financial institution indicated. If you need to speak to us regarding your pre-authorized payments, contact us or write to us at: Head Office of Virgin Plus, 15 Asquith Avenue, 6th Floor Toronto, ON M4W 1J7. e. The pre-authorized debit feature allows you to accept customer pre-authorized payments and deposit them directly into your bank account. [2] Payments Canada, Rule H1 – Pre-Authorized Debits (PADS), online. Embed financial services in your platform or product. PADs are typically used for recurring payments, like mortgages and utilities, membership dues, charitable donations, RSP. (ASCI). viewing of to Timetable and the User Services, and CIBC and its affiliates have cannot. Payments . O. Dartmouth, N. S. LEARN MORE. P. How to register. Get the Hsbc pre authorized payment form accomplished. Pre-authorized debits (PADs) have become the easiest way for consumers to pay bills and make payments automatically. PARTNERS. and AZGA Insurance Agency Canada Ltd. You must retain your customer’s Pre-Authorized Debit agreement for a minimum of 12 months following the last Pre-Authorized Debit payment processed. Pre-authorized debits (also called direct debits or PADs) are a way to set up recurring, automatic payments in advance. Accept bank debits from Canadian customers for large or recurring paymentsAccept bank debits from Canadian customers for large or recurring paymentsthis pre-authorized debit. Solutions Developers Resources Contact Sales. Learn more about this payment processing method and how to use it. Deposits + 3,021. BalanceProtector Max. No minimum balance (even to get rebates) $5. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. Request up to $10,000 from each client/day. 341. Assurant Customer Hong-kong Inc. Payments . Responsibilities and obligations with regard to pre-authorized debits are described in Payment Canada's Rule H1 – Pre-Authorized Debits (PADs) (PDF, 447 KB) and in the AccèsD Affaires Enrollment Agreement. With our financing program, it’s even easier to get the products you need. Checkout. Transit Number (5 digits) Financial Institution Number. Payment method properties. Pricing. , RBC Global Asset Management Inc. Minimum Monthly Payment. You authorize FirstLine Mortgages to collect Your Membership Fees, plus any. Segregated Funds. I have read and understood the terms of this. Recurring bill payment transactions: Pre-authorized recurring bill payments will continue to be processed successfully until and including October 10 (i. THIS AGREEMENT. About 4 months ago when we were setting up our mortgage with CIBC they offered us a home warranty, which was free fork 5 month and then $15. Go to Pay by pre-authorized debit to get more information or register for My. Our specialize in delivering expands protection programs also support services that intensify customer loyalty, deliver a memorable experience and cause sustainable profit. Cardholder support team members work on your behalf 24/7 every day of the year. Important reminder that it is mandatory to have a PAD agreement in place with your payors before initiating your pre-authorized debit. ‡‡. 1098 if you have any questions. Through this one time option, you agree to authorize the Canada Revenue Agency to withdraw a pre-determined payment amount directly from your bank account on a specific date to pay your taxes. To set up a PAD: 1. Services that charge you monthly — for example, your cellphone, streaming services and digital news subscriptions — are a common example of when you may use a pre-authorized payment agreement. Through a single integration, we are able to offer non-profits on our platform easy access to pre-authorized debits in Canada that reduce payment failure and lower costs. S. If the bank's computer responds that it is, the transaction moves forward. Check if services or care is covered before you reach for your wallet. Retail Warranty Plans. Payment method properties. PAD Payments is available to businesses that have Canada as the Country in Business settings and a Canadian bank account connected in Stripe. You must keep the Authorization Agreement for a minimum of 12 months for every ACH Direct Payment/Pre-authorized Debit following the cancelling of the authorization. To cancel pre-authorized payments we suggest you contact the merchant directly and provide an alternate method of payment. 4643 when you. Your total fee for overdraft protection will be approximately $7. 13 I (We) may dispute the Pre-Authorized Debit under the following conditions: a the Pre-Authorized Debit was not drawn in accordance with the Pre-Authorized Payment Authorization; or b the Pre-Authorized Debit authorization was revoked. Accept bank debits from Canadian customers for large or recurring paymentsEmbed financial services in your platform or product. Pre-authorized debits (PADs) are a convenient, flexible and easy way to set up bill payments and automatic transactions, and hundreds of millions of PADs are processed each year in Canada. m. Expedia for TD Purchases (per month) $1 $25,000. You can also sign on to CIBC Online. Global Payments. Types of Pre-Authorized Debit. 1-877-933-4800. “Direct Services” means the services offered by Us from time to time that let You access the Account using an Access Terminal. The pace of innovation within Canada's payments ecosystem is on the fast track. View Legal Disclaimers. 2. 5 Concierge Services are services only, not insurance benefits. It is administered by Payments Canada. It uses the most flexible timelines for confirmation and cancellation allowed by Canadian banks and satisfies all requirements given by the Payments Canada Rules for pre-authorized debits. LEARN MOREProgram to do Pre-Authorized Debits. We are friendly and well trained. (“Assurant”) provide, manages and administers. The current framework for processing pre-authorized debit agreements ("PADs") is through Payments Canada's ACSS Rule H1 (Pre-Authorized Debits) ("Rule H1"), which outlines the procedures to clear and settle PADs under an ongoing agreement between a Payor and a Payee.