Manage Your Payments


Receive And Pay Your Bills Directly From Your Mobile Wallet!

With MoBills we’ve made managing your payments even easier. You can receive notifications, review bills and make your payment right from your mobile wallet on your smartphone. Learn more about enrolling and setting up your mobile wallet for MoBills below.


Enrolling Is Easy – Get Started Now!

Enroll in mobile wallet billing and payments to receive and pay your monthly bill through your smartphone’s native mobile wallet.

Simply sign up by clicking on the appropriate mobile wallet button associated with your smartphone.


 *$3.95 per self-service transaction. $7.95 per credit union assisted transaction.


Learn More

Check out this video to see how you can pay your bills or loans anywhere, anytime right from the palm of your hand!

Never Miss a Payment

Receive notifications (on iOS devices) or texts (on Android devices) such as when a new bill or loan is available or when your bill or loan is due.

Seamlessly View and Pay

When viewing your bill in your mobile wallet "pass" you can:

  • View your billing summary
  • Access your full billing details
  • Select your preferred payment method
  • Set preferences for new bill and payment received notifications, as well as due date reminders

No Username or Password

All you need to do is unlock your phone to access your wallet.


VanillaDirect Pay - Pay Bills at a Local Retailer

In partnership with VanillaDirect Pay Retailers, you are able to make cash payments to your Radiant Credit Union loan at participating retailers – such as Walmart, Family Dollar, CVS, Dollar General and Walgreens. 

Simply follow the MoBills process (above) to add your Radiant loan to your mobile device, then follow the instructions to make your cash payment.



What is a mobile wallet?
Your mobile wallet is an app that comes pre-installed on every smartphone. It is the digital equivalent of a physical wallet where you can store, organize, and access payment and non-payment items. It keeps digital
versions of credit cards, loyalty cards, coupons, stored value cards, membership cards, tickets and more all in one place. Now it can store your bill as well.


How do I sign up?
Sign up by tapping the Add to Wallet or Google Pay button from your mobile device. You can also scan the QR code with the camera on your mobile device. You may be asked to enter your account information if you are not already logged in to your account. Then when the mobile pass is displayed, tap “Add” to add the pass to your mobile wallet. You can then open your wallet to see your bill.


How do I use the mobile wallet?
By choosing this option, your bill will be delivered every month into your smartphone’s mobile wallet through your Apple Wallet (iOS devices) or Google Pay (Android devices). From there, you can view your bill and click on a link to quickly pay your bill.


Will I receive notifications?
You will receive notifications such as when your bill is available or when your account needs attention in one of two ways depending on your mobile device. For iOS devices, your notifications will pop up on your phone regardless of whether you are in your mobile wallet app or not. For Android devices, notifications will be posted in your wallet, but will not pop up on your phone. You will need to access your wallet to see them.


What retailers work with VanillaDirect Pay?
VanillaDirect works with more than 40,000 retail locations nationwide including:

  • CVS
  • Walgreen's
  • Walmart
  • Dollar General
  • Family Dollar
  • Speedway
  • 7-Eleven
  • Fred’sKum & Go
  • GameStop
  • GoMart
  • Pilot Flying J
  • Royal Farms
  • Rutter's
  • Sheetz
  • Stripes
  • TravelCenters of America
  • Kwik Trip
  • Rite Aid

 You can also use the retail locator on the VanillaDirect app or website to find the closest retail location near you.