Whether this is an eCheck payment. Optional; the loan's payment processor determines whether eCheck is permitted.

The caller has obtained authorization for this specific payment (e.g. IVR verbal consent), so the recurring-authorization hold (payment_authorization_required_at) does not apply to it. A same-day payment is charged immediately; a future-dated payment is persisted and charged by the nightly runner on its due date. When omitted or false, the payment is queued with standard behavior. On an immediate (same-day) charge, the response's paymentUuid and paymentStatus reflect the resulting payment.