<!DOCTYPE html>
<?php $pageTitle = "Managing Daily Payments"; include 'includes/public-header.php'; ?>

<main id="main-content">

<!-- ===== PAGE HERO ===== -->
<section class="db-page-hero db-page-hero-bg" style="background-image:url('assets/images/insights/transaction-history.jpg');" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Managing Daily Payments</h1><p class="db-page-hero-subtitle">From setting up payees to tracking your payment history, managing daily payments efficiently keeps your finances running smoothly and securely.</p></div></section>

<!-- ===== SETTING UP PAYEES ===== -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>Setting Up Payees</h2><p>A payee is any person, business, or organisation you want to send money to. Setting up payees in your online banking portal makes future payments faster, more accurate, and more secure. Once a payee is saved, you can transfer money to them in just a few clicks without re-entering their details each time.</p><p>To add a new payee, log in to your dashboard and navigate to the transfers or payees section. You will need the recipient's full name, account number, and the bank's routing or sort code. For international payees, you may also need the SWIFT/BIC code and the IBAN. Always double-check these details before saving — an incorrect account number can send your money to the wrong destination.</p>
<div class="db-grid db-grid-3 db-mt-6">
  <div class="db-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-user-plus"></i></div><h3 class="db-card-title">Add a Payee</h3><p class="db-card-text">Enter the recipient's account details, verify the information, and save them to your payee list. Each new payee is added securely and confirmed through your dashboard.</p></div>
  <div class="db-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-list"></i></div><h3 class="db-card-title">Manage Payees</h3><p class="db-card-text">View, edit, or remove payees at any time. Keeping your payee list up to date helps avoid sending money to old or incorrect accounts.</p></div>
  <div class="db-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-shield-alt"></i></div><h3 class="db-card-title">Verify Beneficiaries</h3><p class="db-card-text">Every payee addition is protected by your transaction PIN. Take a moment to verify the beneficiary's details before confirming — this simple step prevents costly mistakes.</p></div>
</div></div></section>

<!-- ===== MAKING BILL PAYMENTS ===== -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>Making Bill Payments</h2><p>Paying bills through your banking portal is fast, secure, and gives you a clear record of every payment. Whether it is a utility bill, a subscription service, or a tuition payment, you can handle it all from one place. The bill payment feature in your dashboard is designed to be straightforward: select the payee, enter the amount, review the details, and confirm with your PIN.</p>
<div class="db-grid db-grid-2 db-mt-6">
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-file-invoice"></i></div><h3 class="db-card-title">One-Time Payments</h3><p class="db-card-text">For bills that vary each month or payments you only need to make once, the one-time payment option is ideal. You enter the amount, select the payment date, and confirm. A payment confirmation with a reference number is generated immediately for your records.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-calendar-alt"></i></div><h3 class="db-card-title">Recurring Payments</h3><p class="db-card-text">For regular bills — such as rent, subscriptions, or loan repayments — setting up a recurring payment saves time and ensures you never miss a due date. You define the amount, frequency, and duration, and the payment is processed automatically.</p></div>
</div></div></section>

<!-- ===== TRACKING PAYMENT HISTORY ===== -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>Tracking Payment History</h2><p>Your transaction history is a complete record of every payment you have made and received. Learning to read and use this history gives you control over your finances and helps you spot any discrepancies quickly. Each entry shows the date, amount, payee or sender name, transaction reference, and whether it was a debit or credit to your account.</p><p>You can filter your transaction history by date range, amount, or transaction type to find specific payments. This is especially useful when you need to verify that a bill was paid, check the amount of a previous transfer, or provide evidence of payment to a third party. You can also download your transaction history as a statement for your personal records or to share with an accountant.</p></div></section>

<!-- ===== SCHEDULING RECURRING PAYMENTS ===== -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>Scheduling Recurring Payments</h2><p>Recurring payments put your regular financial commitments on autopilot. Once set up, the payment is processed on the date you specify, for the amount you choose, without you needing to log in and manually initiate it each time. This is particularly useful for fixed monthly expenses like rent, insurance premiums, loan instalments, and subscription fees.</p>
<div class="db-grid db-grid-2 db-mt-6">
  <div>
    <h3>Setting Up a Recurring Payment</h3>
    <ul style="list-style:none;padding:0;">
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Select an existing payee or add a new one for the recurring payment.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Choose the payment amount, frequency (weekly, monthly, quarterly), and start date.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Optionally set an end date or a maximum number of payments.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Review and confirm with your transaction PIN.</span></li>
    </ul>
  </div>
  <div>
    <h3>Managing Recurring Payments</h3>
    <ul style="list-style:none;padding:0;">
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>View all active recurring payments from your dashboard at any time.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Modify the amount or frequency if your circumstances change.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Pause or cancel a recurring payment at any time — cancellations take effect before the next scheduled date.</span></li>
      <li style="padding:0.4rem 0;display:flex;align-items:flex-start;gap:0.5rem;"><i class="fas fa-check-circle" style="color:var(--db-success);margin-top:0.25rem;"></i> <span>Check that your account has sufficient funds before each scheduled payment to avoid declines.</span></li>
    </ul>
  </div>
</div></div></section>

<!-- ===== TRANSFER SECURITY ===== -->
<section class="db-section"><div class="db-container"><div class="db-content animate"><h2>Transfer Security</h2><p>Every transfer you make through <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> is protected by multiple layers of security. Your transaction PIN is required to authorise every payment, ensuring that only you can move money from your account. In addition to PIN protection, our systems monitor transactions for unusual patterns and may flag transfers that appear out of the ordinary for additional verification.</p><p>Before confirming any transfer, take a moment to review the payee name, account number, and amount. A careful review at this stage can prevent sending money to the wrong person. Once a transfer is confirmed and processed, it cannot be reversed through the dashboard — so that final check matters. If you ever notice a transfer you did not authorise, contact our fraud team immediately through the support channels listed in your dashboard.</p></div></section>

<!-- ===== UNDERSTANDING PAYMENT CONFIRMATIONS ===== -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-content animate"><h2>Understanding Payment Confirmations</h2><p>After every successful payment, you receive a confirmation that includes a unique transaction reference number, the date and time of the payment, the payee name, the amount, and the status. This confirmation is your proof of payment and should be kept for your records — especially for important payments like rent, taxes, or large purchases.</p>
<div class="db-grid db-grid-2 db-mt-6">
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-receipt"></i></div><h3 class="db-card-title">What the Confirmation Tells You</h3><p class="db-card-text">The confirmation shows whether the payment was successful, pending, or declined. A successful payment means the funds have been debited from your account and are on their way to the recipient. A pending status means the payment is being processed and will complete shortly. If a payment is declined, the confirmation will indicate the reason — such as insufficient funds or an incorrect PIN.</p></div>
  <div class="db-card"><div class="db-card-icon"><i class="fas fa-download"></i></div><h3 class="db-card-title">Saving Your Confirmations</h3><p class="db-card-text">You can download payment confirmations as PDF documents from your transaction history. You can also set up email notifications so that a confirmation is sent to your registered email address automatically after every payment. These records are useful for budgeting, tax preparation, and resolving any disputes.</p></div>
</div></div></section>

<!-- ===== RELATED GUIDES ===== -->
<section class="db-section"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">Related Guides</span><h2 class="db-section-title">Continue Reading</h2><p class="db-section-subtitle">Explore more guides to help you manage your payments and finances.</p></div>
<div class="db-grid db-grid-3 db-mt-8">
  <div class="db-insight-card animate animate-delay-1"><div class="db-insight-card-image"><img src="assets/images/insights/secure-transfers.jpg" alt="Making secure money transfers" width="400" height="250" loading="lazy"></div><div class="db-insight-card-body"><div class="category">Transfers</div><h4>Making Secure Money Transfers</h4><p>How to verify beneficiary details, confirm transactions with your PIN, and avoid common transfer mistakes.</p><p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 4 min read</p><a href="transfers.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a></div></div>
  <div class="db-insight-card animate animate-delay-2"><div class="db-insight-card-image"><img src="assets/images/insights/digital-banking-simple.jpg" alt="Digital banking made simple" width="400" height="250" loading="lazy"></div><div class="db-insight-card-body"><div class="category">Digital Banking</div><h4>Digital Banking Made Simple</h4><p>How to use your dashboard, manage your profile, view account activity, and access customer support.</p><p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 5 min read</p><a href="digital-banking.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a></div></div>
  <div class="db-insight-card animate animate-delay-3"><div class="db-insight-card-image"><img src="assets/images/insights/protect-from-fraud.jpg" alt="Protecting your banking account from fraud" width="400" height="250" loading="lazy"></div><div class="db-insight-card-body"><div class="category">Security</div><h4>How to Protect Your Account From Fraud</h4><p>Essential steps to safeguard your passwords, PINs, and one-time codes from common banking scams.</p><p style="font-size:var(--db-text-xs);color:var(--db-gray-400);margin-bottom:var(--db-space-2);"><i class="fas fa-clock"></i> 5 min read</p><a href="scam-awareness.html" class="read-more">Read guide <i class="fas fa-arrow-right" style="font-size:0.7rem;"></i></a></div></div>
</div></div></section>

<!-- ===== YOU MAY ALSO BE INTERESTED IN ===== -->
<section class="db-section db-section-bg"><div class="db-container"><div class="db-section-header animate"><span class="db-section-label">You May Also Be Interested In</span><h2 class="db-section-title">Explore More</h2></div>
<div class="db-related db-mt-6">
  <a href="transfers.html" class="db-card" style="text-decoration:none;"><div class="db-card-icon"><i class="fas fa-exchange-alt"></i></div><h3 class="db-card-title">Money Transfers</h3><p class="db-card-text">Send money locally and internationally with PIN-protected security and real-time tracking.</p><span class="db-card-link">Send Money <i class="fas fa-arrow-right"></i></span></a>
  <a href="bill-payments.html" class="db-card" style="text-decoration:none;"><div class="db-card-icon"><i class="fas fa-file-invoice"></i></div><h3 class="db-card-title">Bill Payments</h3><p class="db-card-text">Manage all your bill payments from one place with scheduling, tracking, and confirmation features.</p><span class="db-card-link">Pay Bills <i class="fas fa-arrow-right"></i></span></a>
  <a href="digital-banking.html" class="db-card" style="text-decoration:none;"><div class="db-card-icon"><i class="fas fa-mobile-alt"></i></div><h3 class="db-card-title">Digital Banking</h3><p class="db-card-text">Access your accounts, make transfers, and manage payments from any device, anywhere.</p><span class="db-card-link">Go Digital <i class="fas fa-arrow-right"></i></span></a>
</div></div></section>

<!-- ===== CTA ===== -->
<section class="db-section db-cta" aria-labelledby="cta-title"><div class="db-container"><div class="db-cta-inner animate"><h2 class="db-cta-title" id="cta-title">Take Control of Your Payments</h2><p class="db-cta-description">Log in to your dashboard and start managing your payees, bills, and transfers with confidence.</p><div class="db-cta-actions"><a href="account/login.html" class="db-btn db-btn-light db-btn-lg">Start Managing Payments</a><a href="transfers.html" class="db-btn db-btn-outline-white db-btn-lg">Explore Transfers</a></div></div></div></section>

</main>

<footer class="db-footer" role="contentinfo"><div class="db-container"><div class="db-footer-grid"><div class="db-footer-brand"><img src="logo.png" alt="<?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>" width="160" height="40"><p><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> provides secure personal banking, business banking, digital banking, transfers, cards, and wealth management to clients worldwide.</p></div><div class="db-footer-col"><h4>Personal</h4><ul class="db-footer-links"><li><a href="accounts.html">Accounts</a></li><li><a href="transfers.html">Transfers</a></li><li><a href="cards.html">Cards</a></li><li><a href="digital-banking.html">Digital Banking</a></li><li><a href="open-account.html">Open an Account</a></li></ul></div><div class="db-footer-col"><h4>Business</h4><ul class="db-footer-links"><li><a href="business-banking.html">Business Overview</a></li><li><a href="business-account.html">Business Accounts</a></li><li><a href="corporate-bank.html">Corporate Banking</a></li></ul></div><div class="db-footer-col"><h4>Security & Help</h4><ul class="db-footer-links"><li><a href="security-centre.html">Security Centre</a></li><li><a href="report-fraud.html">Report Fraud</a></li><li><a href="help-centre.html">Help Centre</a></li><li><a href="faq.html">FAQs</a></li><li><a href="customer-support.html">Customer Support</a></li></ul></div><div class="db-footer-col"><h4>Company</h4><ul class="db-footer-links"><li><a href="about-us.html">About Us</a></li><li><a href="careers.html">Careers</a></li><li><a href="investor-relations.html">Investor Relations</a></li><li><a href="contact.html">Contact Us</a></li><li><a href="account/login.html">Log In</a></li><li><a href="account/register.html">Register</a></li></ul></div></div><div class="db-footer-bottom"><div class="db-footer-copyright">&copy; <span class="footer-year">2024</span> <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>. All rights reserved.</div><div class="db-footer-legal"><a href="privacy-policy.html">Privacy Policy</a><a href="terms.html">Terms of Use</a><a href="cookie-policy.html">Cookie Policy</a><a href="accessibility.html">Accessibility</a><a href="sitemap.html">Sitemap</a></div></div></div></footer>
<script src="plugin/jquery.min.js"></script><script src="plugin/bootstrap/js/bootstrap.bundle.min.js"></script><script src="assets/js/landing.js"></script>
<script>document.querySelector('.footer-year').textContent=new Date().getFullYear();</script>
<?php include 'includes/public-footer.php'; ?>
