View source for Premium Payment

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Premium payments are easy to make in Equinox, and they can be initiated a number of ways.
* '''[[Pay NFIP New Business]]''' - submit payment for a completed NFIP application 
* '''[[Pay NFIP Renewal]]''' - provide payment to renew an upcoming NFIP policy term
* '''[[Pay NFIP Policy Change]]''' - make additional premium payments for NFIP policy changes

{{Attention|'''No additional fees''' are added to premium payments.}}

This page addresses immediate payment methods only. Payments submitted through other methods, like paper checks, must be addressed by the carrier directly.

== How to Submit Premium Payments ==
All premium payment methods lead to the same dialog page in [[Equinox]]. The required fields must be completed in order to submit using the "Pay Now" button.<br>
''This process is different for policyholders who make a payment through the [[Consumer Portal]].''
=== Credit Card or E-check ===
Payments can be made using a '''credit card''' or an '''electronic check''' (e-check or echeck).<br>
Select the corresponding box for each at the top of the screen. This will adjust the form fields below.

<gallery mode="packed" heights=300px style="text-align:left">
Img-proc-pay-dialog-card.png|'''Credit card''' option. <br>Required fields are outlined in red.
Img-proc-pay-dialog-echeck.png|'''Electronic check''' option. <br>Required fields are outlined in red.
</gallery>

{{box-summary
|color = yellow
|title = Important
|text = Electronic checks require the '''account number''' to be entered '''twice'''. <br>
Use this [https://www.wikihow.com/Locate-a-Check-Routing-Number WikiHow article] to locate it correctly on a check.
}}

=== Billing Information ===
Billing information refers to the type of account, not the method of payment. <br>
Choose between '''Personal Account''' (default) or '''Business Account'''. 
* Enter the individual named on the account.
* The pre-filled address can be edited.
<gallery mode="packed" heights="300px" style="text-align:left">
Img-proc-pay-dialog-card-filled.png|Billing information is prefilled.
</gallery>

=== Summary ===
The Summary section on the right identifies the policy number, the policyholder, and the insured address. <br>
The total premium amount will show under the itemized fees; discounts are not listed.
<gallery mode="packed" heights="300px" style="text-align:left">
Img-proc-pay-dialog-change.png|Policy changes allow the user to cancel and return to the policy
</gallery>

==== New Business/Renewal Disclaimer ====
<blockquote>
By clicking on ‘Pay Now’, I confirm that I have reviewed and agree to the Terms and Conditions of the insurance policy provided by . I authorize to charge the payment of <AMOUNT> to the Card payment method I have provided, and I acknowledge that my policy will be activated upon successful payment. Please ensure all information is accurate before proceeding.
</blockquote>

==== Policy Change Disclaimer ====
<blockquote>
By clicking on ‘Pay Now’, I confirm that I have reviewed and agree to the Terms and Conditions of the <CARRIER NAME> insurance policy provided by <CARRIER NAME>. I authorize <CARRIER NAME> to charge the payment of $39.00 to the Card payment method I have provided, and I acknowledge that my policy will be activated upon successful payment. Please ensure all information is accurate before proceeding.
</blockquote>