The Checkout process is used to confirm filing and payment for any transactions that are "Ready for Checkout." Users may complete the Checkout process for transactions subject to the user's access level. If a user does not have access to a Service Area, the user will not be able to complete the Checkout process for transactions from that Service Area.
Multiple users should not attempt to simultaneously create, edit, or checkout with the same transaction at the same time.
If any transactions include a payment, payments will be made according to the Payment Selections specified when the transaction was created. The Checkout process collects bank and/or credit card account information as necessary to satisfy the Payment Selections for the transaction(s) being checked out. For security reasons, OBG Electronic Filing does not store payment account information and users must enter account information during each checkout.
Transactions are not filed and payments are not made unless and until the user presses the "Confirmation" button during checkout. If an error occurs and the transaction can not be submitted, the user will be advised of the error and the transaction will still be in the "Ready" area of the Home Page.
Successfully submitted transactions will be shown on a receipt at the conclusion of the checkout process. Once a receipt is issued, OBG can not stop payment or stop the delivery of the transaction to an Agency. Agencies consider transactions as submitted based on the timestamp on the receipt, unless the user has specified a deferred payment date. Receipts are accessible in the future via the History section of OBG.
Receipts provide a time-stamped summary of the submission, access to a copy of the transaction that will be sent to the agency, and access to any items now available to the user (such as licenses, certificates, etc.). Receipts are an acknowledgement of the user's intention to file and make payment (if applicable). Receipts do not confirm that funds have been received by the agency (see Payment Failures).
One or more "Ready" transactions may be checked out at the same time. However, if multiple transactions will be paid in the same way (e.g. both via ACH debit) but the user desires to make payments out of different checking/savings accounts, the user should complete the checkout process separately for those transactions. The OBG Electronic Filing checkout process only accepts one checking/savings account number and/or one credit card account number per checkout.
Funds paid by a business to an Agency go directly from the business's account to the Agency's account. OBG does not maintain any bank accounts, and payments are not centrally collected or aggregated before being distributed to an Agency.
If multiple transactions are part of the same checkout, each transaction and payment will appear as a separate debit entry on the business's account. However, if multiple transactions of the same type are being paid to the same Agency, payments may be consolidated into one debit entry on the business's account. Otherwise, OBG does not aggregate or consolidate payments being made for different transactions and/or to separate Agencies.
Users should check bank account statements to insure funds from ACH debit payments do transfer. ACH debit payments may not be processed by the Agency's banking partner for a number of reasons that are beyond OBG Electronic Filing's control. These include, but are not limited to:
If a bank payment has failed to process, the business will be contacted by the Agency being paid, not OBG Electronic Filing. OBG Electronic Filing does not have access to the Agency's bank account and does not get notification of the status of deposits into the Agency's bank account.