If Payrailz is unable to validate the biller based on the biller name, account number, zip code and/or the full USPS address. the payment will be sent via check to ensure the payment is made.
The member is instructed to re-enter the biller using the information from their recent statement including the remittance address. This will cause the system to re-validate in order to process the payment electronically.
Since Payrailz uses a good funds model, they will never convert an electronic payment to check due to collection activity associated with returned payments, unless we receive specific instructions from the biller to do so.