Paying Bills & Loans

Setting Up Your Payigy^TM Account 

Click the button below to access the Payigy Portal, then simply click "Create Account" and follow prompts to complete account set-up.  When first setting up your account, you will need to provide the following information:

• Name, email and phone number as listed on your account
• Account/member number - must be 10 digits in length
  • If account number is 7 digits: additional zeros may need to be added to the front
    • Example: If my Gulf Winds account number is 1234567, I will add three (3) zeros to the front to create a 10-digital number: 0001234567
  • If account numbers are 13 digits: use the last 10 digits as the account/member number

For future logins simply access the Payigy Portal, click "Login" and enter the User Name and Password you selected when creating your account.

Access Payigy

Your Gulf Winds account number can be found in Digital Banking or by calling the Gulf Winds team. Your Payigy username will be the email address linked to your Gulf Winds account.

Payigy can be used for your Gulf Winds auto, boat, RV, motorcycle, ATV, personal and/or credit card loan payments. 

Payments processed prior to 5pm EST will post in one (1) business day, payments after 5:00pm EST will post in two (2) business days.

Ensure any scheduled payments from another institution are cancelled directly before making or scheduling payments through Payigy.

Gulf Winds does not charge for use of the Biller Direct feature.

The Biller Direct network consists of more than 6,500 billers and is constantly growing. Billers must be able to accept payments through their website. If your biller isn't an option, please feel free to let us know. We will request that the biller be added in the future. You can also check back routinely to see if your biller has been added.

To make an immediate payment, select the bill you wish to pay, your desired payment method, and click "pay now". To schedule a future payment, select the bill you wish to pay, your desired payment method, click "schedule", and select the date you would like the payment to be made.

Select "fix now" to be directed to the provider login where you can complete any steps needed. After completing any necessary steps, select "I fixed it" inside Biller Direct. Once complete, we will authenticate the fix with your provider.

Navigate to the "settings" option by selecting the blue circle at the bottom right of the page.

NOTE: We strongly recommend you keep notifications turned on for Biller Direct. If you turn off notifications, we will be unable to communicate to you any problems with your bills.

It may take up to 24 hours. However, in most cases, the card swap happens immediately. It may take longer if the payee website is down or we encounter an issue with the swap during the first attempt.

Authentication requirements differ by payee. Some require a security question or code in order to access an account. If the payee requires you to enter a security question or code outside of CardSwap, you will also be required to enter your security question or code inside of CardSwap.

The (!) next to a payee may mean that the payee's website is temporarily down for maintenance. The (!) may also mean that there is an issue with the your account with a particular payee. Click on the payee with an (!) to receive information regarding any problems with your account with a particular payee and instructions on how to resolve the issue. Clicking on the payee will always provide messaging regarding any issues.

When utilizing CardSwap, you may receive notification from some payees that your account is being accessed from a location different than where you are located. This is caused by payees detecting a login from our servers rather than your location. In order to perform the swap, our system must access your account with each payee.

When utilizing CardSwap, you may receive notifications from some payees that your account is being accessed from an unknown device. This may occur if you have selected “remember me” upon login and the payee has registered your device. If the CardSwap system accesses an account with these settings in place, the payee may notify you because our system is different than what you typically use to access your account.