Adding A Charge

uPortal360 Add Charge Guide

This article is meant to serve as a guide in navigating through uPortal360 and submitting an Add Charge. Instructions and examples will be provided for both consumers and merchants. Please note you can only add charges on open ended contracts.

Click any screenshot to view it full size, then use the arrows to move through the screenshots on this page.

When can an Add Charge be submitted?

You can submit an Add Charge only when the consumer’s account meets all three requirements below.

Requirement	✅ Can submit	❌ Cannot submit
Account status	Active	Closed, or Pending application status
Payment status	Current	Delinquent. The consumer must bring the account current first
Credit	Credit Available is greater than $0	Maximum credit is used

Merchant Adds Charge for Consumer

To Add additional charges to a Consumer’s account, the merchant must access the account via uPortal360. Once the Merchant is in the account, they will navigate the process through the portal using the Add Charge feature located within the Client Actions tab of the sidebar.

1. Click Client Actions > Add Charge	2. Enter in Charge Slip Details	3. Select Create Agreement Type

4. Send Agreement Confirmation	5. Agreement Confirmation

How scheduled payments affect the new account balance

The Add Charge screen shows how an upcoming payment is considered in the New Account Balance. Use it to explain to the consumer how any unpaid balance rolls into the new charge. A scheduled payment is one the consumer billing statement has already invoiced. It appears on the screen as Upcoming Payment.

Scheduled payment not yet paid: It reduces the new balance.
Scheduled payment already paid: The current balance already reflects it, so the new balance is the remaining balance plus the new charge.

The math is: New Account Balance = New Charge Total + Current Account Balance − Scheduled Payment (invoiced, not yet paid)

The unpaid balance is not added to the account. It is already there. The total balance is used to set the new monthly payment amount.

Example 1: Scheduled payment not yet paid	Example 2: No scheduled payment	Example 3: Scheduled payment equals balance

Example 1: The consumer owes $213.97, and a $107.06 payment is scheduled but unpaid. Adding an $800.00 charge gives a New Account Balance of $906.91 ($800.00 + $213.97 − $107.06). The message at the bottom of the screen shows the remaining balance of $106.91 that rolls into the new Min Monthly PMT Amount.
Example 2: Upcoming Payment is $0.00, so nothing reduces the balance. Adding a $2,600.00 charge to a $745.70 balance gives a New Account Balance of $3,345.70.
Example 3: The $259.88 scheduled payment covers the entire current balance. Adding a $2,500.00 charge gives a New Account Balance of $2,500.00 ($2,500.00 + $259.88 − $259.88). No remaining balance rolls into the new charge.

How the new monthly payment is set

Like any new charge, the monthly payment is re-amortized with the new charge. The New Account Balance sets a new highest account balance. uPortal360 multiplies that balance by the Minimum Payment Factor, which is set by the term and APR, to get the new monthly payment amount. The charge slip discloses the factor, and the screen shows it as Minimum Payment Pct. For example, at 0.0% APR, 16.67% matches an estimated 6 payments. Per the Minimum Payment Calculation in the RICA, the total minimum payment is the sum of:

The greater of a fixed minimum dollar amount or the factor percentage of the highest account balance.
Any past due amounts and any late or returned payment fees charged in the same billing cycle.

The total minimum payment is never more than the new balance. All calculations appear on the screen, so you can clearly explain to the consumer any unpaid balance that rolls into the new amount.