TN 19 (07-21)

GN 02220.400 Online Bill Pay for Programmatic Overpayments

A. Background

Online Bill Pay is a digital banking or payment service offered by many banks and credit unions, which allows individuals to make a payment electronically from a banking account, without having to complete and mail a paper check to the payee. Individuals who have an active overpayment in Recovery and Collection of Overpayment Process (RECOOP), will receive a RECOOP billing notice with language that includes a systems generated Remittance ID and an updated Payment Stub that provides information about using online bill pay through their financial institution.

NOTE: Prior to SSA being available as a payee to receive electronic payments via this service, all remittances paid through an online bill pay service were mailed to SSA as a paper check. If individuals submit a payment for any purpose other than to repay a programmatic overpayment (i.e. to remit conserved funds) or without using the remittance ID, the financial institution will send SSA a payment via paper check. The paper check will be processed through normal remittance procedures.

B. Overpayments Eligible for Online Bill Pay

Individuals with Title II or Title XVI overpayments that are active in RECOOP are able to use online bill pay to send a payment to SSA electronically using the remittance ID.

C. Remittance ID and RECOOP Notices


1. Remittance ID

The Remittance ID is a 10-character, randomized alphanumeric ID that is generated for each RECOOP notice based on the coupon scan line. Individuals must have a Remittance ID to use online bill pay in order to submit a payment electronically. They cannot use an SSN, claim number, or Beneficiary Notice Control Number (BNC#) to submit a payment electronically. The Remittance ID is displayed on the first page of the RECOOP notice and on the payment stub.

IMPORTANT: The Remittance ID will change for every RECOOP notice sent. Therefore, if individuals have more than one overpayment, each RECOOP notice received will have a different Remittance ID. Individuals will need to use the Remittance ID from the most recent notice for the overpayment they intend to repay. However, for recurring payments on the same trust fund, individuals do not need to update a remittance ID each month. If the individual establishes a recurring payment through their financial institution, they do not need to update the remittance ID in order for our systems to credit the remittance correctly.

2. RECOOP Notice Payment Stub

The RECOOP notice includes a payment stub that provides individuals with methods of repayment online, through their financial institution, by mail, or by phone.


If you would like to pay electronically:

  • You can use the portal to make a secure payment at online. Your Remittance ID is AB12CD34EF; OR

  • You can use your financial institution’s online bill payment option. Search for “Social Security Administration”, and in the “Account Number” section, enter your Remittance ID of AB12CD34EF.

    NOTE: The RECOOP Call-In and Final Statement notices do not include the updated language with a Remittance ID, Online Bill Pay, or a payment stub.

D. Payment Types Accepted on Online Bill Pay

Online bill pay allows eligible individuals to make one-time or recurring Automated Clearing House (ACH) drafts from their bank accounts using their personal computer or mobile phone. Most financial institutions allow electronic payments via online bill pay to their customers. Individuals can now find SSA listed as Social Security Administration through their financial institutions online bill pay application.

E. Resources

GN 02220.500 How to Handle Online Bill Pay Inquiries

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GN 02220.400 - Online Bill Pay for Programmatic Overpayments - 07/30/2021
Batch run: 07/30/2021