Emmanuel University provides secure online payment options for students, parents, alumni, donors, and other constituents. This policy outlines the terms governing credit card, debit card, and electronic payments made to the University.

Accepted Payment Methods

The University accepts Visa, MasterCard, American Express, Discover, approved debit cards, and ACH (electronic check) payments where available.

All online transactions are processed through a secure third-party payment gateway provider.

Payment Authorization

By submitting payment information, you:

Authorize Emmanuel University and its payment processor to charge the designated account for the amount indicated;
Represent that you are authorized to use the payment method provided; and
Confirm that all submitted information is accurate and complete.

A confirmation receipt will be provided electronically at the time of transaction approval.

Security & PCI Compliance

The University does not store full credit card numbers on its servers.

Online transactions are encrypted using industry-standard security protocols. The University’s payment processor maintains compliance with the Payment Card Industry Data Security Standard (PCI DSS).

Users are responsible for safeguarding their own account credentials and ensuring secure access to their personal devices.

ACH (Electronic Check) Payments

By submitting ACH payment information, you authorize the University to initiate debit entries to the bank account provided.

Returned ACH payments due to insufficient funds, closed accounts, or other bank rejection may result in returned payment fees and reversal of the original payment.

All ACH transactions are processed in accordance with applicable NACHA operating rules.

Refunds

Refunds for credit card payments will be issued to the original payment method whenever possible.

Tuition and fee refunds are governed by the University’s official Refund Policy and applicable federal regulations, including Title IV requirements. Processing times may vary depending on the financial institution.

Disputed Charges (Chargebacks)

If a transaction is disputed with your financial institution, the University reserves the right to provide documentation to validate the charge and may suspend services or enrollment privileges pending resolution.

Questions regarding charges should be directed to the appropriate University office before initiating a dispute.

Policy Updates

Emmanuel University reserves the right to modify this policy at any time. Updates will be posted on the University’s website and become effective upon posting.