This section allows you to make bill payments to companies in Canada from your Canadian dollar (CAD) Scotiabank accounts.

In this help page, you’ll find:

• Guidelines for Paying Bills Using ScotiaConnect
• How to Create a Bill Payment
• How to Approve, Delete, or Submit Bill Payments
• Understanding Bill Payment Statuses
• How to Recall a Bill Payment

When can bill payments be made?

Bill Payment Service is available from 7:30 a.m. to 8:00 p.m. E.T., Monday to Friday. You can future-date a bill payment up to one year in the future.

The Bill Payment cut-off time is 8:00 p.m. E.T., Monday to Friday. Bill Payment made after the cut-off time, on weekends or on holidays will be future dated for the following business day. Therefore, we recommend you pay your bills 3 days before its due date since companies may take 2-3 business days to process and post the payment to your account.

Who can make bill payments?

Depending on the access privileges you have been given, a bill payment may require two users to complete: one user to create the payment and another to approve and submit the payment.

From which accounts can bill payments be made?

Payments can be made from Canadian currency accounts only. Please ensure you have sufficient funds and that holds on your accounts are cleared (if applicable) 24 hours prior to the bill payment date. Otherwise, your bill payment transaction(s) will not be processed.

1. From the Payments menu, select Bill Payments.
2. From the Bill Payments tab, use the Payment Account dropdown to select the Payment Account you need to make the bill payment to.
   Note: ScotiaConnect will default to the From Account that was last used for this Payment Account. If this is not correct,
please select the correct From Account from the dropdown menu.
3. Enter the amount.
4. Set a Payment Date by using the calendar tool beside Payment Date field.
5. Enter any additional information about the payment in the Comments field.
6. Click the Create Bill Payment button.
7. If an additional approval is required to submit the bill payment, the payment will be added to the Pending Bill Payments table. If you have the entitlement access to directly submit bill payments, you will be asked to confirm the bill payment details and decide if you would like to submit the payment right away or later. If you choose to submit it later, the payment will be added to the Pending Bill Payments table.

How to Approve, Delete, or Submit Bill Payments

Depending on your entitlement settings, you may be able to approve, delete, or submit bill payments that are added to the Pending Bill Payments table.

1. On the Pending Bill Payments table, you will see a history of the bill payments from your accounts.
2. Click on the checkboxes next to the bill payments you would like to act on. You have an option to Select All payments. Special notes about selecting payments to act on:
   • If your selection includes bill payments that you are not authorized to act on, those payments will be excluded from the action and remain in the Pending Bill Payments table.
   • If your selection to submit includes past-dated bill payments, you will be asked to confirm whether you want to submit all payments at once or omit the past-dated bills. Any not submitted will remain in the Pending Bill Payments table.
3. Select an action (Approve, Delete, or Submit) from the Select Action dropdown menu at the bottom of the Pending Bill Payments table and click Go.
4. You will next see a popup message asking for you to confirm the action you’ve selected. The message also includes the number of payments selected and a total amount for all selected payments.
5. Upon confirmation, you will next see a Bill Payment Submission Summary table, outlining the payment details, status, and action taken on each payment.

Understanding bill payment statuses

A bill payment can have one of the following statuses:

Pending	The payment has been created but has not been approved.
Ready	The payment has been created and approved but has not been submitted.
Accepted	The payment has been transmitted to the Bank and accepted for processing. It is too late to delete the payment.
Rejected	The payment has been transmitted to the Bank and has been refused. It will not be processed. For more information about why the payment was rejected, check the message on the Bill Payment Detail screen.
Future Dated	The payment has been created with a future date and approved. It will be transmitted to the bank on the selected date.
Unknown	System error. Call the Customer Contact Centre.
Recall Accepted	The bill payment recall request has been received.
Recall Failed	The bill payment recall request could not be fulfilled. The bill payment went through as originally submitted.
Recall Unknown	The bill payment recall request status is unknown due to a system error. Please contact the Customer Contact Centre to check on the status of your bill payment recall request.

How to Recall a Bill Payment

You have until 8:00 p.m. ET (same day) to request a recall of bill payments you have submitted. Within this time frame, you can access and request a bill payment recall in two ways:

Right after you submit bill payments

1. After you submit bill payments, you see a Bill Payments Processed Summary table. If it is still before 8:00 p.m. ET, you will also see a Recall button in the Action column of the summary table.
2. You can either click the Recall button next to each specific payment you would like to recall or click the Recall all button to request a recall on all submitted payments.
3. Clicking Recall or Recall all will launch a message asking you to confirm or cancel your recall request.
4. If you confirm your request, you will receive a Recall Request Summary with details of the bill payments you have recalled, including Execution Date, Payee, the From Account, Amount, and the Status of the recall.

Later in the same day

1. If you realize that you need to recall a bill payment you have made within the same day, click to the Bill Payments History tab.
2. Use the search options to find the bill payments you need to recall. Click the View button.
3. Review the Search Results summary table. If it is before the cut-off time of 8:00 p.m. ET, you will see a Recall button in the Action column of the table, next to the applicable bill payments.
4. Click the Recall button next to each specific bill payment you would like to recall.
5. Clicking Recall will launch a message asking you to confirm or cancel your recall request.
6. If you confirm your request, you will receive a Recall Request Summary with details of the bill payments you have recalled, including Execution Date, Payee, the From Account, Amount, and the Status of the recall.
7. A Bill Payment Recall can have one of the following three statuses – Recall Accepted, Recall Failed, and Recall Unknown.

A Bill Payment Recall can have one of the following three statuses:

Recall Accepted	The bill payment recall request has been received.
Recall Failed	The bill payment recall request could not be fulfilled. The bill payment went through as originally submitted.
Recall Unknown	The bill payment recall request status is unknown due to a system error. Please contact the Customer Contact Centre to check on the status of your bill payment recall request.