SmartMoving includes additional security and verification features for E-Check payments in the customer portal. These features allow you to designate a specific contact as the Customer Portal Payer and require One-Time Passcodes (OTP) to verify a customer’s identity before payments are submitted.
What Is a Customer Portal Payer?
A Customer Portal Payer is the contact designated to receive identity verification requests and submit payments through the customer portal. This ensures that E-Check payments are authorized and verified by the correct individual.
When a contact is marked as the Customer Portal Payer:
OTPs are sent to their contact information
Payment verification and audit records are tied to that contact
It’s clear who is responsible for submitting payments
How to Designate a Customer Portal Payer
Follow these steps to assign a Customer Portal Payer:
Open the customer’s contact record.
Click the Edit (pencil) icon.
Select Mark as Customer Portal Payer.
Save the changes.
Once saved, the contact will be identified as the designated payer.
Identifying the Customer Portal Payer
When sending an invoice or payment request:
A Customer Portal Payer tag appears next to the contact.
This makes it easy to confirm who will receive the OTP and submit payment.
On the Verify Identity screen, the contact’s information is displayed so you can see exactly where the verification message is sent.
How One-Time Passcodes (OTP) Work
When a customer attempts to pay using E-Check through the customer portal, identity verification is required.
OTP Verification Flow
The customer opens the Pay Your Invoice link.
A one-time passcode is sent via:
Email or
SMS
The passcode is sent to the Customer Portal Payer’s contact information.
The customer enters the passcode to verify their identity.
Once verified, the customer proceeds with the E-Check payment.
Why OTP Verification Is Required
OTP verification adds an extra layer of security by:
Confirming the payer’s identity
Reducing fraud and unauthorized payments
Creating a clear audit trail tied to the verified contact
This is especially important for E-Check payments, deposits, and larger transactions.
Audit Trail and Payment Tracking
All OTP verifications and E-Check payments are logged and associated with the Customer Portal Payer. This helps ensure:
Clear accountability
Easier troubleshooting
Stronger documentation in the event of disputes or chargebacks