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Auto Pay

Auto Pay

When you set up auto pay, you never have to worry about missing a payment. Your payment will be automatically paid from the same bank or payment card account each month. If you’re moving your Midco services to a new address, you’ll need to set up auto pay again for your new address.

Important:

  • Auto pay is tied to your billing cycle. After you set up auto pay, it will go into effect when you receive your next billing statement. If you have a current balance on your account, be sure to make a one-time payment for that amount (or you may incur late fees if your balance is not paid by the due date).
  • If you have a new Midco account, you can enroll in auto pay after you receive your first bill. You’ll want to pay your first bill by one-time payment.
  • If you have multiple Midco accounts, you must set up auto pay separately for each account. A single auto pay will not cover multiple billing statements.
  • When you enroll in auto pay, you’ll still receive a paper bill unless you’ve also separately enrolled in e-statements
  • If you haven’t signed up for e-statements yet, we encourage you to do so. You’ll get an email and/or text from us when your next statement is ready.
  • If you experience issues trying to make a payment online, you may need to disable your browser's pop-up blocker, as it may be preventing the payment window from displaying.
  • You can choose what date to pay your balance via auto pay – as early as ten days before your due date. Payments can't be scheduled after your due date.
Auto Payment Options

You can set up recurring payments on any of the following:

  • Checking account
  • Savings account
  • Credit card (Visa, MasterCard and Discover)
  • Debit card

Enroll in Auto Pay

You can set up auto payments in any of these ways:

  • Log in to My Account.
  • Complete the EFT authorization form included in your monthly statement – and mail it to Midco with a voided check or savings deposit slip.
  • Call and speak to a Midco representative at 1.800.888.1300 (only available for checking/savings accounts over the phone).
  • Visit a Midco Customer Experience Center in person.
  1. Log in to My Account.
  2. If you're not signed up for automatic payments already, under Billing, you should see a notice that you are not signed up for auto pay. Click Sign Up.
  3. Select Add an Account.
  4. Enter your account details, and select Add Payment Account.
  5. Click Yes to confirm the new payment account.
  6. Select Set Up Auto Pay. Complete the fields for your preferred payment date and amount.
    • If you have an outstanding balance, check Pay Current Balance Now to make a one-time payment. If you have an outstanding balance, you must either check this box or make a separate one-time payment. Auto pay applies to future statements only.  
  1. Click Save.

Your confirmed auto pay settings will display.

What to Expect Next
  • Auto pay will go into effect when you receive your next billing statement. If you have a current balance on your account, be sure to make a one-time payment for that amount (or you may incur late fees if your balance is not paid by the due date).
  • Your next billing statement (via mail or e-statement PDF) will display the following: “Total Amount Due – Do Not Remit” on the return stub.
  • If you haven’t signed up already, we encourage you to enroll in e-statements. You'll receive an email and/or text when your bill is ready.
  1. Log in to My Account online or the My Account App.
    • My Account online: Under Billing, select Make a Payment.
    • My Account App: On the Home screen, tap your current amount due. Then tap Pay Now.
  2. Select Auto Pay from the main menu.
  3. Choose Add Auto Pay.
  4. Review your payment method in the Pay with dropdown. Select Save to set up your automatic payments, or choose Edit Auto Pay Details to update your auto pay settings.
    • You can update your payment method, set an end date for your auto pay, and choose to pay your bill up to 10 days prior to your due date. Make your changes, and then select Save.

The Recurring Payments page displays your recurring payment details.

What to Expect Next
  • Auto pay will go into effect when you receive your next billing statement. If you have a current balance on your account, be sure to make a one-time payment for that amount (or you may incur late fees if your balance is not paid by the due date).
  • Your next billing statement (via mail or e-statement PDF) will display the following: “Total Amount Due – Do Not Remit” on the return stub.
  • If you haven’t signed up already, we encourage you to enroll in e-statements. You’ll receive an email and/or text when your bill is ready.
  • If you wish, set auto pay reminders using the directions that follow.

Change Auto Pay Card or Account

Do you need to update, change or remove a payment card you used for your Midco auto pay? 

Edit your credit card in My Account:
  1. Log in to My Account online or the My Account App.
    • My Account online: Under Billing, select Make a Payment.
    • My Account App: On the Home screen, tap your current amount due. Then tap Pay Now
  2. Choose Auto Pay from the main menu.
  3. Select the auto pay you want to manage from the table.
    • Edit your auto pay details, and select Save.
    • To delete your auto pay, select Delete Your Auto Pay at the bottom of the page.
    • To exit without making changes, select Back.
Edit your bank account:

You can also call and speak to a Midco representative at 1.800.888.1300 (only available for checking/savings accounts over the phone), or visit a Midco Customer Experience Center in person.

Important:  If you delete a payment account that is currently used for auto pay:

  • Your scheduled payments in progress will be processed unless you cancel them separately. If you wish to cancel these payments, do so before removing the credit/debit card.
  • Your future recurring payments will be cancelled. You will need to re-enroll to continue with auto pay. 

To manage or remove a credit or debit card from your payment accounts in My Account:

  1. Log in to My Account online or the My Account App.
    • My Account online: Under Billing, select Make a Payment.
    • My Account App: On the Home screen, tap your current amount due. Then tap Pay Now.
  2. Choose Wallet from the main menu.
  3. Select the payment account you want to manage.
    • If you want to delete your payment method, select the red X on the specific payment account.
  4. Edit your payment details, and choose Save.
    • To delete your payment method, select Remove Payment Method.

Important:  If you delete a bank account that is currently used for auto pay:

  • You aren’t able to remove a bank account if your payment is processing.
  • If your payment is pending, you can cancel the payment, and then remove the payment account.
  • When you remove your payment account, all future recurring payments will be cancelled. You will need to re-enroll to continue with auto pay. 

To remove a checking or savings account from your payment accounts in My Account:

  1. Log in to My Account.
  2. Choose Make a Payment, and then select Checking/Savings.
  3. Next to the enrolled checking/savings account that displays, click Delete.
  4. On the confirmation window, click Yes to remove this payment account.

You’ll see that no payment accounts are set up. If you need to re-establish auto pay with a different banking account, do so next.

You can add as many payment card accounts as you’d like in our secure payment processing site. However, if you need to change to a different payment account, refer to the other instructions on this page. You cannot delete a payment card if a payment is in the processing phase.

My Account: Change Card Expiration Date

To edit a credit or debit card expiration date in My Account:

  1. Log in to My Account.
  2. Under Billing, click Make a Payment, and then select Credit/Debit. This will take you to our secure card processing site.
  3. Select Wallet, and then select the account that needs an updated expiration date. 
  4. Enter the updated month and year for the expiration date.
  5. Click Submit.

To edit or change a checking or savings account number in My Account, you must cancel enrollment with your current bank account – and set up a new auto pay.

  1. Log in to My Account.
  2. Select the Billing tab (or from the menu if you’re on a mobile device).
  3. Select View Payments to see if any payments are pending or processing.
  4. If your payment is eligible to cancel, it will display with a pending status. Click the Cancel button for that payment. Choose Yes to confirm you want to cancel the payment.
    • Payments that have already begun processing cannot be cancelled. Please try to change your payment account after processing is complete.
  5. If you do not have a payment that’s currently processing (or you just cancelled a payment), remove your bank account.
    1. Return to the Billing tab (or menu on a mobile device). Choose Pay with Checking/Savings.
    2. Review the overview of your payment account, and click Cancel Payment to remove this checking/savings account from future Midco payments.
  6. Set up a new payment account. Choose Add an Account. Enter your account details, and select Add Payment Account.
  7. Click Yes to confirm the new payment account.
  8. Select Set Up Auto Pay.
  9. Complete the fields for your preferred payment date and amount.
    • If you have an outstanding balance, check Pay Current Balance Now to make a one-time payment. If you have an outstanding balance, you must either check this box or make a separate one-time payment. Auto pay applies to future statements only.  
  10. Click Save.

Your confirmed auto pay settings will display.

You can switch your payment account from a credit/debit card to a checking or savings account (or vice versa), but keep in mind these important notes:

  • You need to delete your old payment account before setting up a new one – or you could have double payments removed.
  • Delete the payment account you wish to remove – and enter the account you want to add – by following the instructions elsewhere on this page.
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