New idea for meeting tax obligations: Point and Pay

NORTH CANAAN — Times are tough and January tax bills may be ignored or forgotten.In Tax Collector Jennifer Jacquier’s experience, unpaid taxes here are less likely a case of unwillingness or not having the money than they are of lost or forgotten bills. She has launched a program called Point and Pay, which allows property and vehicle owners a quick, convenient way to pay taxes by credit or debit card or electronic check, online anytime, or in her Town Hall office.On the home page at www.northcanaan.org, a bold, red arrow directs one’s attention to links to click to be directed to payment pages for either the town or Canaan Fire District (Jacquier handles both). It asks for credit/debit card information just like any online site. You’ll need to know the year, list number for the property or vehicle and the amount, as well as the town tax code number. All are found on tax bills, or can be obtained by calling the tax collector’s office. The last is crucial. It guarantees a tax payment won’t mistakenly be sent to Falls Village.It’s about Canaan and North Canaan being official town names for Falls Village and Canaan, as they are informally called, confused further by tax bills here sent to mailing addresses that are either Canaan or East Canaan. Falls Village already uses the program, so a clear distinction had to be made using the tax numbers. North Canaan is an easy-to-remember 100. Jacquier found out how well it was working in Falls Village, and that it costs the town nothing, before going with it.“Over the years, one or two people would ask each year about online payment. I didn’t rush into it because the only way to accept card payments was through local banks, and they charged $65 per month for the service.Point and Pay is a subsidiary of North American Bancard. It has been designing and maintaining online payment capabilities for municipalities and business since 1999. It collects fees directly from taxpayers: $2.95 for echecks and 2.95 percent, with a $2 minimum, on card payments.When tax bills were being mailed in December, the program was not up and running yet, so Jacquier did not include the payment options on bills. “It’s just been word-of-mouth, but we have already gotten a lot of payments that way. I just sent out delinquent bills, and we’re getting more payments on those than usual. People are so busy. This is why they need to stay on top of things.”Are people putting taxes on credit because it’s the only way they can pay?Jacquier does not see it as a trend toward people putting themselves in that hole. The tax collection rate is at about 98 percent, down about a point from last year, but still very impressive. Many who are behind are already on payment plans. “It seems more like people are using credit cards for the convenience. Some are doing it to get something back, like frequent flier miles. I think this is the future, and it will work out well for everyone.”

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