Deposit installment plan

How do we split a required deposit into installments the customer accepts on a secure screen, and write the schedule to billing?

Offer the installments the tariff allows and make the acceptance a screen. When a deposit is required, Callvu prefills the deposit decision and the amount from billing, computes the installment schedule the tariff allows (the number of installments, the first installment with the start of service, the rest on the following bills), presents the schedule with the terms (what happens if an installment is missed, the interest the deposit earns, the refund after good payment), captures the customer's acceptance, routes a request outside the tariff's installment terms or a customer in a protected status to the credit desk in the Decision Desk, and writes the schedule to the billing system so each installment appears on the bill and the deposit record tracks what has been paid.

In scopeSimpleCallvu moves: prefill, decide, write back

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Last updated November 7, 2026.

The problem today

The customer was told the deposit was due in full before service, when the tariff had allowed installments all along.

Today, without Callvu

A deposit can be the barrier between a household and its power. The tariff usually allows it to be paid in installments; the agent usually does not mention it, or offers a schedule from memory that billing cannot run. The customer who could have started service with a first installment delays, or pays in full by borrowing, and the utility has a complaint it could have avoided.

The tariff sets the installment terms: the number of installments (commonly two to four), when the first is due, the treatment of a missed installment, the interest that accrues on the amounts paid, and the refund after good payment. The schedule is a computation and the acceptance is a consent; the billing system must hold the schedule to bill it.

The installment offer should be the screen the customer sees when the deposit is decided.

How it runs

From the requestto the system of record.

A deposit is required (through the deposit and credit decision process) and the tariff allows installments, or a customer with a deposit due asks to split it. Callvu opens the installment offer.

Customer: Reviews the schedule and the terms and accepts on a secure screen.
Credit desk: Decides requests outside the tariff's terms and protected status cases in the Decision Desk.
Callvu: Prefills, computes, presents, captures acceptance, routes and writes.

Prefill and compute
The deposit decision, the amount, the basis and the start date are prefilled from the billing system; the installment schedule is computed under the tariff (the number of installments, the first with the start of service or the next bill, the rest on the following bills, each installment's amount) with the interest accrual and the refund review date.
Present and accept
The schedule is presented in plain terms with each installment's date and amount, the total, the consequence of a missed installment under the tariff (the balance of the deposit becoming due, or the account treated as past due with the notice rules), the interest the deposit earns, and the refund after the tariff's period of good payment; the customer accepts on a secure screen in whichever channel they are in.
Decide
A schedule within the tariff's terms proceeds by rule; a request for more installments than the tariff allows, a customer with a protected or medical status where the policy adds options, a customer enrolled in an assistance program (where the deposit may be waived instead), or a deposit on an account already in arrears goes to the credit desk in the Decision Desk with the request and only the allowed outcomes (the tariff schedule, an extended schedule where the tariff gives discretion, a waiver through its process, or refuse with the reasons).
Write back
The schedule is written to the billing system against the deposit record so each installment appears on the bill on its date, the deposit record tracks the amounts paid and the interest, a missed installment triggers the tariff's consequence by rule with the notice, and the customer receives the confirmation with the schedule.

Where it ends: The customer was offered the installments the tariff allows when the deposit was decided, accepted a schedule they read, and the billing system bills each installment and tracks the deposit toward its refund. The Decision Trace shows the computation and any decision; the Audit Trace shows the presentation, the acceptance and the write with time.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

State commission tariff rules: The tariff's deposit provisions set the installment option for residential deposits (commonly two to four equal installments, the first due before or with the start of service and the rest on subsequent bills), the interest the utility pays on deposits at the commission's rate, the treatment of a missed installment (the unpaid balance due, or past-due treatment with the disconnection notice rules), and the refund or credit of the deposit with interest after the tariff's period of good payment.
State commission disconnection notice rules: A missed deposit installment is treated under the tariff as a past-due amount subject to the notice and disconnection rules, so the consequence shown to the customer and the notice that follows a miss are the commission's, not the utility's discretion.
LIHEAP and state assistance program rules: A customer enrolled in a low-income assistance program may be entitled to a deposit waiver or a longer schedule under the commission's rules; the classification checks the program records and routes to the waiver where it applies.

Company policies

The installment option is offered on the screen where the deposit is decided; the customer does not have to ask.
The schedule and the consequence of a miss are shown in plain terms before acceptance.
Requests beyond the tariff and protected cases are the credit desk's.
The billing system is the system of record for the schedule and the deposit's progress.

Controls

Prefill of the deposit decision.
Schedule computation under the tariff.
Plain-terms presentation and secure acceptance.
Decision Desk for requests beyond the tariff.
Billing write with per-bill installments.
Missed installment handling by rule.

Clocks and deadlines

First installment: With the start of service or the next bill, as the tariff provides.
Following installments: On each subsequent bill on the schedule.
Refund review: After the tariff's period of good payment, through the refund process.

Documents and checks

The deposit decision as prefilled
The schedule and the terms as presented
The acceptance
Any decision
The billing record

In the Decision Trace

The computation.
Any decision and the person.

In the Audit Trace

The presentation and the acceptance with time.
The write.
Each installment billed and paid.

The handoff

Between the front doorand the back office.

The front door

The screen where the deposit is decided, in any channel; the customer accepts on a secure screen.

The back office

The credit desk decides only requests beyond the tariff; billing runs the schedule.

The Decision Desk

A request for more installments than the tariff allows, a protected or assistance-program customer, or a deposit on an account in arrears goes to the credit desk in the Decision Desk with the request and only the allowed outcomes.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

PSEG Long Island runs start, stop and move service on Callvu, live in 4 weeks.

Across Callvu customers

Questions

What buyers ask next,answered plainly.

How many installments are allowed?

What the tariff provides, commonly two to four, with the first due with the start of service and the rest on the following bills; the schedule is computed and shown before the customer accepts.

What happens if an installment is missed?

The tariff's consequence applies by rule, shown to the customer in advance: the balance of the deposit becoming due or past-due treatment with the commission's notice rules.

Does the deposit still earn interest?

Yes. The deposit record in billing tracks the amounts paid and accrues the commission's interest rate toward the refund after good payment.

Related processes

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