Setting up automatic credit-card payments

Autopay lets you save a credit card in the resident portal so your payments are charged automatically, without you having to log in and pay each time something is due. This article walks you through turning it on.

Note: the portal currently supports autopay with a credit card only. Automatic bank (ACH) payments are not offered in the portal at this time.

Before you start

• You'll need a credit card handy.
• Autopay is set up per home/unit account, so make sure you're viewing the correct one if you have access to more than one.
• Card payments include a processing fee, added on top of the amount you owe. You'll see exactly what that fee is before you confirm anything, and you'll need to check a box acknowledging it before you can save.

Step-by-step: turning on autopay

1. Open the Profile tab. From the portal, go to the Profile tab.
2. Find the Autopay card. If you don't have a card on file yet, you'll see a row that says "No card on file" with a Set up autopay button.

   [Screenshot placeholder: Profile tab, Autopay card, not-enrolled state, "Set up autopay" button highlighted]

3. Click "Set up autopay." This opens the autopay setup window. On mobile, it opens as a sheet that slides up from the bottom.
4. Wait for the secure checkout to load. You'll briefly see "Preparing secure checkout..." while the portal connects to our payment processor, Stripe.
5. Enter your card details. Fill in your card number, expiry date, and security code in the card field. Your card information is handled directly by Stripe. URBI never stores your card number.

   [Screenshot placeholder: Setup window, card entry field with "Secured by Stripe" helper text]

6. Review the processing fee disclosure. Just below the card field, you'll see a note explaining the processing fee that applies to every autopay charge (for example, "2.9% + $0.30"), along with a worked example showing what a typical invoice would total after the fee. This rate is specific to your property and is shown to you exactly as it will be applied.
7. Choose your charge day. Use the "Charge day" picker to choose any day from the 1st to the 28th of the month. This is the day your card will be charged each month, whenever you have a balance due. (Days beyond the 28th are not offered, since not every month has a 29th, 30th, or 31st.)

   [Screenshot placeholder: Setup window, charge day picker open showing 1st through 28th]

8. Optionally, set a maximum charge per month. The "Maximum charge per month (optional)" field lets you cap how much can be charged in a single autopay cycle. Leave it blank if you want the full amount due charged automatically each month. If you do set a cap, it applies to your invoice amount; the processing fee is added on top and is not counted against the cap.
9. Check the acknowledgment box. You must check "I understand a card processing fee is added to each autopay charge" before you can save. This confirms you've seen and understood the fee disclosure above.
10. Click "Save autopay." The button stays disabled until your card details are complete and the acknowledgment box is checked.

    [Screenshot placeholder: Setup window, completed form with acknowledgment checked, "Save autopay" button enabled]

11. Confirmation. If your card is approved, the window closes, a confirmation message appears, and the Autopay card on your Profile tab now shows your card on file as Active, along with your charge day and cap (if you set one). You'll also receive a confirmation email.

If your card is declined, or an extra verification step with your bank isn't completed, you'll see an inline message explaining what happened. No autopay is created in this case, and the charge day and cap you already chose are kept so you can simply try again with a different card.

Updating or turning off autopay

There is currently no in-place "edit" for an active autopay enrollment. If you want to change your card, charge day, or spending cap, cancel your current autopay from the Profile tab (a Cancel button appears next to your active autopay row) and set it up again with the new details.

To turn autopay off entirely, click Cancel on your active autopay row. Once cancelled, no further automatic charges will be made, and you'll need to pay any future balances manually until you set up autopay again.

What this means for you

• Your saved card is only ever charged on the day you chose, and only up to the amount that's actually due (or your cap, if you set one).
• The processing fee shown to you during setup is the same fee applied to every automatic charge, never a surprise amount.
• You're always in control: you can cancel autopay at any time from the Profile tab, and nothing is charged without your card first being verified.

FAQ

Does setting up autopay charge my card right away? No. Adding your card during setup only verifies and saves it. No payment is taken until your next scheduled charge day.

Can I use a debit card? Any card supported by our payment processor, Stripe, can be used, subject to your card issuer's own rules.

What if I don't set a maximum charge per month? Leaving the cap blank means the full amount due is charged automatically each month, with the processing fee added on top.

What happens if my card is declined? No autopay enrollment is created. You'll see an error message and a Retry option, and your charge day and cap selections are kept so you don't have to re-enter them.

Can I have more than one autopay enrollment on the same home/unit account? No, only one active autopay enrollment is shown per account at a time.

Is my card information stored by URBI? No. Your card details are handled directly by Stripe, our payment processor. URBI never stores your card number.

If something goes wrong

If setup stops and the portal says the service is temporarily unavailable or your sign-in expired, the message tells you what to do next. See Payment and bank connection help for help with these messages and with bank connection problems.

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Questions about setting up autopay? Contact hello@myurbi.co.