The payment options available to a consumer can be configured to meet your needs. The Agency decides which consumer can make payment and what type of payment methods can be accepted. The options that a consumer has can be different for different consumers. You can make your decision based on client needs and state regulations.
The screen shot below shows an example of a user with all payment options: Checking (ACH), Credit Card, Debit Card, or Snail Mail.
When your site is setup, your agency will be able to provide custom logic to choose which options are available to your consumers. This can be based on client requirements or state laws or even more complex logic if needed. The logic you specify will be applied to your accounts when the user logs in.