our bank offers online bill pay within our online banking platform. the customer completes the name,address, amount, and date of transaction information. If the bank can make the transaction electronically, it will. otherwise, it cuts a check.
Am I correct in assuming that if the payment is made electronically and customer did not opt-in, we can't process? But if made by check, we can? I hadn't thought about this area before. Any advice would be appreciated.