The Multiple Payment Accounts feature lets users configure and use more than one ACH payment account (currently only on USIO) across their loans in Baseline. Users can set a default account per Product and optionally override on individual Loans.
This improves reconciliation, allows special‑case routing, and supports faster settlement where contracted (Same‑Day ACH).
How It Works
Create Payment Accounts
Send each account’s Nickname, Merchant ID, USIO credentials, and ACH processing speed according to your contract to our support team.
Set Product Defaults
For each Product users can assign a default Payment Account
Optionally sync the change to existing loans under the Product
Override on Special Loans
For a specific Loan (e.g., VIP borrower, pilot program, processor transition), set a different Payment Account than the Product default.
Migration Note: If users previously had a single USIO account per client, that credential was auto‑converted into a Payment Account so it can live alongside any new accounts created.
Adding and Editing an Account
To add a ACH payment collection account:
Navigate to Company Settings
Click on Payment Collection
Click on Get in Touch (opening Intercom)
Send us a message
If users have to sign-up to create payment accounts or add an account, our CS team will send them the relevant links/form or gather the information and we will add it to the system
Once uploaded, accounts will appear in the same Payment Collection screen, where users can edit the:
Processing speed
Please note that same‑Day may carry different fees as per your USIO contract
Nickname for the accounts
Product‑level Assignment & Sync
Navigate to Admin Dashboard → Products → [Select Product] → Loan Settings.
Choose the Payment Account for that Product.
Users can also enable or disable Payment Collection for that Product as well
Use Apply to Existing Loans option to control override
To enable Collection:
To select an account:
To apply the setting across all loans using that particular product, users need to check "Apply this change to existing loans using this product":
"Override" will make the account change all loans, while clicking on "Skip conflicting loans" will only change the accounts on the loans which had the previous account.
Not checking will lead to only new loans created having the payment account set.
For further explanation, we have outlined differences and applications further below.
Loan‑level Selection
Users can also select payment accounts for specific loans itself:
Go to a Loan
Open Loan → Settings → Payment Collection (or the loan’s payment settings area).
Set Payment Account to the desired value; this supersedes the Product default for that Loan.
Syncing Product Changes to Existing Loans
When users change a Product’s Payment Account, they can decide how to handle loans already created under that Product:
Apply to Existing Loans: Pushes the new Product Payment Account to loans that currently match the prior Product settings.
Override (force apply): Apply to all loans using the Product, even if they have conflicting payment collection settings (use with caution; this overwrites loan‑level differences).
Skip Conflicting Loans: Will not change any loans that have conflicts with the Product’s payment collection settings (preserves custom loan overrides).
Example Scenarios
Scenario A — Product‑based separation for reconciliation
Goal: Construction loans fund through Merchant USIO‑CNS, Bridge loans through USIO‑BRG.
Setup: Assign the corresponding Payment Account to each Product. No loan overrides needed.
Outcome: Bank deposits and processor statements segment cleanly by product.
Scenario B — Loan‑specific special handling
Goal: Route a single large loan through a Same‑Day‑enabled account.
Setup: On that Loan, set Payment Account to the Same‑Day account.
Outcome: Only that loan uses Same‑Day, others remain 3‑day.
Scenario C — Processor transition
Goal: Move a Product from Merchant USIO‑OLD to USIO‑NEW.
Setup: Update Product default; choose Apply to migrate matching loans.
Outcome: Most loans move automatically; any with conflicts remain unchanged for manual review.
For account configuration or further information, contact Baseline Support via our platform or email us at [email protected]