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Your account’s list is on the Make A Payment screen. Which methods you can use depends on the finance program your account belongs to, so it is not the same for everyone. In uPortal360, go to the Home page and select Make Payment to see yours.

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What that means

The methods offered to you are set by the program your account was originated under — by the bank or lender that funded it, by the card network rules that apply, and by the law of your state. Two people with a UAS account can be shown different lists, and both are correct. Whatever your list is, at least one way to pay is always available to you at no extra cost.

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What is usually available

ACH needs a US bank account. A US routing number is required. An account at a bank outside the US cannot be used, even if it holds US dollars — see Paying from Canada.

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If your credit card declines and your debit card works

That is not a fault, and it is not about your card. Some accounts are set up so that credit cards cannot be used to repay them — the card network rules that apply to repaying a debt permit a debit card on those accounts but not a credit card. If that applies to your account, you will not be offered a credit card option on the payment screen, and a credit card entered anyway will be declined. Use a bank account or a debit card instead.

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If you are paying with a prepaid or payroll card

A card that holds a balance rather than drawing on a bank account or a credit line — a general-purpose reloadable card, a payroll card, a gift card, a virtual card number — works for a one-time payment on your account. You can put one on AutoPay, but think about it first. A prepaid card only pays if the balance is there on the day. Unlike a bank account, there is no overdraft behind it — the payment declines. Three declines take the card off AutoPay, and then nothing is paying your account. If you use a prepaid card for AutoPay, load it before your due date every month, and turn on the AutoPay e-alert so you find out the same day if one fails — see Alerts and paperless statements. A bank account or a debit card is the steadier choice for a payment that has to succeed every month.
A prepaid card cannot be used for a down payment. When you are setting up your finance agreement and a down payment is due at that point, a prepaid, payroll, gift or virtual card will not be accepted for it — use a debit card, a credit card if your program allows one, or a bank account. This applies to the down payment only; once your account is open, a prepaid card can be used for your payments.
Whether a card counts as prepaid is read from the card number itself, not from the network name on the front. A payroll card carrying a Visa or Mastercard mark is still a prepaid card.

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Paying from a bank account

You will need your 9-digit routing number and your account number — both are on a check, and the payment screen shows a diagram of where to find them. The Make A Payment screen showing accepted bank account types, accepted card networks, and the payment limits for each

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We do not take cash

Do not mail cash. If your program offers payment at a retail cash location, that network charges you its own fee at the counter — it is not a UAS fee and we cannot waive it.

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Saving a method for next time

You can store a card or bank account so you do not have to re-enter it — see Managing your saved payment methods. If you pay by card and your card is later replaced, automatic card updates may keep it working.