Navigating the FORTH Pay Creditor Portal

This article describes how to navigate and use the FORTH Pay Creditor Portal. This article was designed for Creditor users and Portal Administrators. For your convenience, we developed a video to introduce the FORTH Creditor Portal.

It is organized into the following sections:

• Overview
• Prerequisites
• How to Enable
• How to Access
• How to Navigate
• Troubleshooting / FAQ
• Assistance

Overview

The Forth Creditor Portal is your centralized reporting and execution workspace to manage debt settlement accounts in real time. You can validate pending debtor accounts, and review risk metrics without manual email coordination.

Prerequisites

Standard admin or authorized creditor user access to the FORTH Pay Creditor Portal.

How to Enable

1. Open the welcome invitation email sent to your registered address.
   
2. Click the Access your account hyperlink within the email.
3. Establish a secure password on the prompt screen.
4. Access the portal login screen, enter your email address and password, and click Sign In.

How to Access

1. Navigate to the portal welcome page (https://creditor-portal-api.forthcrm.com/login).
   
2. Enter your registered email address and password into the designated login fields.
3. Select the Remember me checkbox to let the system to store your email address for future sessions.
4. Click Sign In.
5. If there is an error, you will be notified just below the Password field as shown below.
   
6. If you forget your password, click Forgot Your Password at the bottom of the page to have the system send password reset instructions.
   
7. The email for your password (see example below) will instruct the user on how to reset their password.
   

How to Navigate

Navigation Bar

Using the Navigation bar at the top of the page, you can quickly change your view between the Dashboard, Payments and Reports, as well as the Question Mark icon for Help & Support. 

My Account

My Account is available to any user in the creditor portal. Click on the small arrow next to your login name (see example below), and select My Account. Here, anyone can change their preferred name and phone number. However, the email address listed here can only be updated by administrators via the account settings.

In addition to general information, any user can:

• Upload a chosen Avatar image, 
• Set their preferred Timezones, 
• Update their password, 
• Monitor the devices they’ve used to access the portal. 

If applicable, you can initiate a remote logout of any listed device by selecting a particular device’s Sign Out link. 

Once done making any updates, select Save Changes.

This is also where you can choose to Logout.

Dashboard Module (Default)

Once logged in, the Dashboard offers several pieces of information for the user.

1. Quickly view Total Accounts that are enrolled, as well as both the Total Cleared Transactions and the Total Cleared Amount for the selected date range. 
2. Use the Date Range filter at the top of the page to update your widgets across predefined time zones or custom ranges. Date Range is set to default at 30 days, but can be quickly modified.
3. A breakdown of Pending, Open, and Low Balance transactions is highlighted in red in the image above, followed by a bar graph containing daily transactional data for the week.
4. View the integrated Bar Chart to monitor daily, weekly, or monthly average transaction amounts.

Payments Module

The Payments module (click Payments in the top navigation menu) processes current-date transaction activities across three primary subtabs (see the first red highlight in the image above):

• All (Payments): Displays combined transactions across Cleared, Pending, Low Balance, and Canceled statuses.
• (Cleared) Deposits: Isolates cleared payments processed for the current calendar date.
• Other: Filters for all transactions not cleared (i.e., Pending, Low Balance, Open, Canceled payments).

There are several filters available via dropdown options (see the longest red highlighted section above) to refine your records by  Bank, Payee Trust Account, or Status (e.g., Open, Pending, Cleared, Low Balance, Cancelled).

The user may also filter by opening the Date Picker on the right side of the page to select a preset date filter range (Today, Yesterday, This Week, Last Week) to highlight dates on the calendar.

From the Payments module, users can also tailor data tables to display relevant columns of data by clicking the small Gear icon located above the Date Picker (see image above).

1. Select or unselect desired field checkboxes.
2. Click Apply to render a customized view, 
3. or click Reset to Default to restore standard column layouts.

Data Export

The Creditor portal processes data downloads using two distinct workflows based on total record volume. Clicking the Download icon initiates this download process (see image below).

• Standard Export (Under 14,000 Records)
  1. File downloads directly to your device as a CSV.
• Asynchronous Export (Exceeding 14,000 Records)
  1. This will trigger a pop-up: "Payment export started and your export is being prepared. We will email you a download link when it's ready."
  2. The system generates an email with a time-sensitive Download CSV link.
     

3. Click Download CSV to retrieve the file before the expiration date noted at the bottom of the message (see image shown above).

Reports Module

The Reports tab provides a display of your portfolio's high-level health. This is split between the Payments Tab and the Portfolio Risk Tab.

Payments (Bar Chart Analysis) Tab: 

• Displays all transactions for the specified date range; by default this is set at past 30 days. Adjust the date range by clicking the Filter by Date dropdown menu.
• Includes Total Cleared, Total Upcoming/Pending, Total Low Balance, and Total Cancelled payments.
• From the Bar Graph on the bottom of the page, this data can be displayed by day, weeks or months. 
• By selecting any category above, the graph will update to only show those specific transactions.

Portfolio Risk Tab: 

• Displays distributions of Cleared, Cancelled, and Not Sufficient Balance (NSF) transactions using a color-coded pie chart. 
• Slices of the chart are based on transactional statuses, showcasing the percentage of all payments within the date range. 
• Hovering over any slice expands the information, including defining what that piece is for, along with giving you a number of applicable transactions. 
• Upon clicking any slice, you are redirected to the Payments tab.
  

Help & Support

The Question Mark icon opens the Help & Support information panel (see left) for any user who needs assistance. 

Users can replay a product walk-through training video, to get a refresher on navigating through the portal.

If you have any questions, comments or concerns, you can reach out from this information panel to the Forth Creditor Support team (creditors@setforth.com). Their email address can always be found on this popup.

(Admins Only) Notifications

Notifications allows administrators to see updates that have been performed inside of the account, including but not limited to user management and banking updates.

How to Manage Settings and Users

Settings allow Administrators to manage an account. FORTH Creditor Settings are separated into several tabs including:

• Company, 
• Banking Information, and 
• Users. 

Settings are accessed by clicking the small Gear icon found at the top right of the global banner of the Creditor Portal.

Company Tab

The Company Tab is where general information for the company is managed. Information stored here includes the Company Name, Address, other Contact Information, and the Company Logo.

1. Navigate to Settings > Company.
   
2. Enter or update details in Company Name, Address, City, State, ZIP, Email, Phone, or Fax.
3. Upload a new company logo by clicking Click to upload or drag and drop and choosing an image file (SVG, PNG, JPG, or WEBP under 5MB).
4. Click Save Changes before continuing.

Banking Information

The Banking Information Tab is where administrators can manage the bank account details used for deposits. Either existing bank details can be modified, or new bank accounts can be added.

1. Navigate to Settings > Banking Information.
   
2. Click Add New Bank Account) to enter new bank details, or select Edit next to an existing account.
3. Complete the required fields: Account Nickname, Account Type (Checking or Savings), Bank Name, Name on Account, Routing Number, and Account Number.
4. Choose an effective date in Completion Date. Select a standard U.S. business day (weekends and U.S. federal bank holidays are not valid).
5. Click Submit Change Request. The FORTH Compliance team verifies credentials and offline client signatures, approves the request, and updates the pay CRM. Newly approved accounts will automatically display under the Bank Information tab.

Users

The Users Tab lets administrators to manage access to their FORTH Creditor Portal. The table displays each user, their status, role, email, when they were added, and the last time they logged in. You can filter this listing, or you can navigate between pages of users using the arrows located at the bottom right of the table.

To add a new user, follow the steps listed below:

1. Navigate to Settings > Users.
2. Click Add New User to invite a new team member (see image above)
   
3. Enter user details within the pop-up that appears in First Name, Last Name, Email, and select a Role (Administrative or General).
   
4. If the role of General is assigned, the New User  popup will be updated to allow the customization in what all they can see in the Creditor Portal (see image below).
   

4. Click Add New User at the bottom right of the popup. This prompts the FORTH system to send a welcome email to the brand-new user to get their login information established, and it contains a 24-hour activation link.
   

To edit an existing user, 

1. Edit existing user profiles by selecting Edit via the three vertical dots menu next to the user name. 
2. On selecting Edit, a pop-up similar to the new user window will appear to allow changes to contact information, roles, or update account status between Active and Inactive.
   
3. To remove account access, click the three vertical dots menu again next to the user names and click Deactivate.
   
4. After making any applicable changes, click Save Changes to confirm.

While the Creditor Portal functions as an independent interface, specific actions taken by users within the portal will automatically generate History Log entries inside the FORTH CRM's contact records to maintain a unified audit trail. These include actions associated with:

• Account Validation

• Negotiation Steps

• Settlement Letters

Troubleshooting / FAQ

Why are my updated bank details not reflected in the account list immediately?

Banking modifications generate a change request for review by FORTH Creditor Support to ensure financial accuracy. You can track pending requests inside the Activity Log panel.

Why was my completion date rejected during submission?

Bank update completion dates must fall on an upcoming U.S. business day. If you choose a weekend or federal holiday, select the next available business day prompted on screen.

What should I do if an invited user lets their welcome link expire?

Invitation links remain valid for 24 hours. Navigate to Settings > Company Settings > Users, locate the user with Invited status, and click Resend Invitation to dispatch a new link.

Why am I unable to save our updated banking details?

The portal mandates that all four fields (Bank Name, Account Type, Routing Number, and Account Number) must be completely filled out. The routing number must consist of exactly 9 digits, and all data entry must be entirely numeric. Changes will be staged for security verification and will take effect the following business day.

Why is the system rejecting my company logo image?

The logo upload zone only accepts JPG, PNG, SVG, or WEBP file extensions. If you upload alternative formats like a PDF or GIF, or if your file size exceeds 5MB, the platform will trigger a validation error and discard the file.

Assistance

For further assistance, reach out to creditors@setforth.com.

Video

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