Payment Address

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EFT or Electronic funds transfer is a payment originated with the customer to a business not the other way around. ACH or Automatic check handling is what somewhat in your blogs is referring to not EFT. ACH is originated by receiver to a bank belonging to the customer. There is no reason with Zelle and other companies for Viasat to not allow EFT to be set up with customers banks. The issue with ACH is that does not hardly ever get drafted on the date in question. I worked Cash Application at a major company and know what I am talking about.
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Phillip Wohlford

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Posted 1 month ago

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Phillip Wohlford

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Lack of options to keep with the industry with bill pay at banks. There is hardly no bank in the US today that does not have bill pay, Zelle, Jack Henry, etc...
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Phillip Wohlford

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Here is Viasat's address provided by the Better Business Bureau

349 Inverness Dr S
Englewood, CO 80112-5882
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Old Labs

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Your splitting hairs over semantics and terms that even the banking and credit industries cant agree on if you go to their different sites... both are forms of electronic funds transfer (EFT). As noted one is initiated by the consumer the other by the receiver. One is an ACH Debit Trasaction while the other is an ACH Credit Transaction - both are electronic.

https://www.nacha.org/news/what-ach-quick-facts-about-automated-clearing-house-ach-network

In plain English, Viasat requires that they be the initiator (ACH Debit) in your contract unless you live in a state that requires other methods or unless Viasat grants some form of papal dispensation  (click on the image to enlarge):



It's simply a preauthorization for Viasat to initiate the transfer. But yeah, other than current corporate policy there's no need to not allow the other way around other than to ensure payment for service in advance (they don't trust you and probably for good reason looking at some of the wild posts that show up here). Initiating an ACH Credit transaction without Viasat's authorization, however, will most likely wind up with your access being cutoff when it fails to credit properly and someone says what the heck is this?

Regardless, use a credit card if possible - you'll find it easier to dispute erroneous charges and not be dinged until the dispute is resolved.

Disclaimer: I don't know what I'm taking about nor do I work for (or have Iever worked for) anyone who does ;)
(Edited)
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M.E.M.

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But you did stay at a Holiday Inn Express recently, didn't you?
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Old Labs

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Nah, it's been a while - 1962 to be exact. Then it wasn't an Express obviously but rather Mickey Mantle's Holiday Inn in Joplin MO. On the way back we switched it up and went with Bob Cumming's Motor Hotel.
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Ron Frank

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I agree with Old Labs, any funds transferred over the internet are "EFTs" regardless of initiation.  Many of these transactions are considered "auto pay" however, my bank for instance has an auto pay option which I use for my rent, my bank physically mails my landlord a CHECK on the first of the month.

The option Viasat and most others prefer is the same as swiping your credit/debit card at the grocery store or gas station where authorization and payment is immediate.   When I get my bill in email, my account has already been charged, here is a copy/paste from last months bill ...

We've generated an invoice for your account today. Your payment method on file was charged yesterday, July 12th, 2018.

This makes it extremely difficult to dispute, and impossible to withhold payment.  Pretty smart business practice when so many customers are displeased with your service that does not meet claims or expectations.  And if you dispute the charges, GOOD LUCK getting a refund.  YES, they will eventually "credit your account," but it is a painstaking process usually involving multiple phone calls and speaking to several people, which ultimately is a not so viable solution when you are on a limited fixed income and that "extra" money they took was earmarked for something else.

It is a convenient and reliable system that has benefits for both HONEST parties, however I feel the government needs to step in and regulate it.  I feel the consumers "pre-authorization" to charge said account should be legally bound to a "pre-authorized" amount!  I dont agree that my consent to charge my account should give them free reign to take what they want.