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2. IVR = automated debit cards. we charge 3.28 to make a payment using a debit card
3. western union/ MoneyGram = the customer went western union/MoneyGram and made a payment. WU. PMT= PAYMENT.
4.lockbox= the customer made a payment via mail.
5. automated online bank payment or bill pay= went to the own bank site to make a payment or a payment site to make a payment.
6. drive collector= the customer made a payment with a Santander employee.
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