Do Payments Have to be Collected by the System?
No.
A consumer will wish to make a payment without the system debiting their account. When a payment is collected by the merchant that payment will need to be applied to the consumer account. Use the Make Payment link and then click the second bubble or Already Collected the Payment option. Next select the Apply to Balance option that best fits the amount collected and click continue. The next screen is the Post Payment screen where you will be prompted to designate how the money was collected from the consumer. Once completed click post payment or save and continue.