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Auto Pay Policy

Autopay Terms of Authorization

Thank you for enrolling in the Autopay Program with Echo Texting, LLC (“Echo Texting,” “we,” or “our”). By participating in this program, you agree to the terms below, in addition to our Terms of Use and all applicable laws. These terms govern your use of automatic bank drafts, debit card payments, or credit card payments for your Echo Texting account.

Please retain a copy of these terms for your records.

1. Authorization

By selecting automatic payments, you authorize Echo Texting to initiate recurring debits from your designated bank account or charges to your debit or credit card based on your billing plan or sales agreement. For example, if you're on a monthly plan, your payment will be processed monthly.

This authorization remains in effect until you cancel it, as described in Section 6.

  • You are responsible for complying with your financial institution’s rules related to preauthorized payments.
  • You’re also responsible for any related bank fees.

Transaction limits (unless otherwise agreed):

  • Bank payments: Up to $99,999.00
  • Credit/debit card payments: Up to $5,000.00

You confirm that you’re authorized to make payments from the specified account and authorize Echo Texting to update your payment details when they expire or are refreshed by your card issuer or bank.

2. Contact Information

You may contact us at:

Email: [email protected]
Phone: (+1 262 600 2600)

3. Billing

You can receive an invoice or statement for each billing cycle with a breakdown of your Echo Texting charges. Please contact us to request an invoice or statement.

4. Verifying Payments

To confirm whether a payment has been processed, contact us at [email protected].

5. Failed Transactions

If a payment is returned or declined, we may:

  • Apply a late or returned item fee
  • Retry the transaction
  • Remove you from the Autopay Program

Make sure your payment information is up to date. If payment fails, your account may be subject to additional fees and service interruption.

6. Cancelling Autopay

You can cancel autopay by emailing us at least three (3) days before your next billing date:

Email: [email protected]
Phone: (+1 262 600 2600)

7. Variable Payments

If your payment amount varies, we’ll notify you of the new amount at least ten (10) days before the transaction date.

8. Stopping a Specific Payment

To cancel a scheduled payment:

  • Notify us at least one (1) business day before the payment date
  • Note: Payments are processed three (3) days before the bill due date
  • We may ask for written confirmation within 14 days of your request
  • We reserve the right to remove you from the Autopay Program if you cancel payments repeatedly

9. Error Resolution

If you believe there’s an error:

  • Contact [email protected] within 60 days of the billing date
  • Provide:
    1. Your name and account number
    2. Description of the error or issue
    3. Dollar amount of the error

Investigation Timeline:

  • Most issues: resolved within 10 business days
  • If more time is needed: we may take up to 45 days, but credit your account temporarily within 10 days
  • If you don’t provide requested written confirmation, we may not issue a credit
  • New accounts: timelines may extend to 20 business days for temporary credits and 90 days for full investigations

We’ll inform you of our findings within 3 business days after completing the review. If we find no error, we’ll explain why and offer documentation upon request.

10. Changes to These Terms

We may update these terms at any time. If changes involve:

  1. Increased fees
  2. Increased liability
  3. Fewer payment options
  4. Stricter limits on payment amounts or frequency

We’ll provide at least 21 days’ notice before the change takes effect.

These Terms of Authorization do not modify our Terms of Use.

11. Unauthorized Transactions

We may be liable for unauthorized payments initiated from your account, subject to applicable law and our Terms of Use, if you notify us promptly.

We are not liable if a payment fails due to:

  • Incorrect or incomplete payment information
  • Insufficient funds or overdraft issues
  • Bank holds or restrictions
  • Card declines or expired payment methods
  • Force majeure (e.g., natural disasters)
  • Other limitations as described in your agreements with us

12. Confidentiality

We may share your payment information:

  • To process transactions
  • To verify account status with third parties (e.g., banks, credit bureaus)
  • To comply with legal or regulatory requirements
  • To enforce our rights
  • With your written permission

13. Disclaimer

THE AUTOPAY PROGRAM IS PROVIDED “AS IS,” WITHOUT WARRANTIES OF ANY KIND.
ECHO TEXTING DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.