Most Common Questions
Payments & Distributions
Understanding Your Payment
Your payment represents funds recovered through a class action settlement in which MCAG filed a claim on your behalf. The amount of your payment is based on the specific terms of the settlement and the data submitted in support of your claim, such as transaction volume, purchases, or other qualifying activity during the applicable time period. In many cases, settlements are distributed on a pro rata basis, meaning payments are calculated proportionally among all approved claimants after court-approved fees, costs, and other adjustments are applied. Please note that settlement payments can vary significantly from one case to another and may be issued in multiple rounds or distributions over time.
Payment Status Timeline
The payment process involves several stages before funds are ultimately delivered to claimants. First, claims are submitted and reviewed by the settlement administrator for completeness and eligibility. Once the court grants final approval and any appeals are resolved, the administrator calculates payment amounts and begins issuing distributions. MCAG then processes and forwards payments to eligible clients using the most current contact and payment information available. Depending on the settlement, payments may be issued by check, ACH, or digital payment methods. Please note that timing can vary significantly between settlements, and some cases may involve multiple rounds of payments over an extended period of time.
ACH vs Check Options
Clients may have the option to receive their settlement payment either electronically through ACH (Automated Clearing House) transfer or by traditional paper check, depending on the settlement and payment platform being used. ACH payments are typically the fastest and most secure option, allowing funds to be deposited directly into a designated bank account without the delays associated with mail delivery or check processing. Paper checks remain available for clients who prefer a physical payment method, though delivery and deposit times may be longer. In some cases, administrative processing fees may apply to mailed checks, while ACH transfers are offered at no cost. Clients will receive instructions on available payment options and how to securely select their preferred method when payments are ready to be distributed.
Fees & Processing
Settlement payments are subject to the terms approved by the court and may include deductions for attorneys’ fees, administrative costs, taxes, or other authorized expenses before funds are distributed to claimants. MCAG’s compensation, where applicable, is governed by the client agreement on file and is typically calculated as a contingency fee based on the amount recovered. In addition, certain payment methods or special handling requests may involve processing fees, such as stop-payment requests, check reissuance fees, or optional mailed check delivery charges. Clients are encouraged to review their agreements and payment communications carefully for details specific to their account and settlement.
Missing or Delayed Payments
If you believe your payment is missing or delayed, please allow sufficient time for mail delivery, bank processing, or settlement administrator processing before contacting MCAG. Delivery times may vary depending on the payment method selected and the volume of payments being issued. If you have recently changed your address, banking information, or business ownership structure, this may also affect delivery timing. Clients who have not received a payment marked as issued should submit a ticket on the Payment Issue Portal as soon as possible so we can verify the payment status, confirm contact information, and determine whether additional action is needed. In certain situations, a stop-payment and reissuance process may be required for lost, stale, or returned checks, which can extend the overall timeline.
Reissue a Check
If your settlement check has been lost, damaged, expired, or was never received, you may request that the payment be reissued. Before a replacement check can be issued, MCAG may require verification of your identity, confirmation of your mailing address, and, in some cases, a signed affidavit or stop-payment authorization for the original check. Please note that reissue requests can take additional processing time depending on the settlement administrator and banking partner involved. In accordance with MCAG policy, checks already issued may also be subject to a stop-payment and reissuance fee, which may be deducted from the replacement payment amount. To request a check reissue, visit the Payment Issue Portal.
Skip the delays of paper checks and receive your settlement payments faster by enrolling in ACH through the MCAG Client HUB. Secure, convenient, and easy to set up, ACH allows funds to be deposited directly into your bank account, helping you receive payments quickly and reducing the risk of lost or delayed checks.
Log in to the Client HUB today and update your payment preferences.
The Client HUB
Logging In to the Client HUB
The MCAG Client HUB is your secure online portal for accessing settlement information, payment updates, documents, and important communications related to your MCAG account.
First-Time Login
If this is your first time accessing the Client HUB:
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Visit the MCAG Client HUB
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Enter the email address associated with your MCAG account.
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Click Forgot Password or Create Password (depending on the screen shown).
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Follow the instructions sent to your email to create a secure password.
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Return to the HUB and sign in using your email and new password.
Returning Users
To log in after your account has been set up:
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Go to the MCAG Client HUB
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Enter your email address and password.
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Click Login to access your account dashboard.
Trouble Logging In?
If you experience issues accessing your account:
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Double-check that you are using the same email address associated with your MCAG account.
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Check your spam or junk folder for password reset emails.
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Ensure your browser is up to date.
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Try clearing your browser cache or using a different browser.
Common Issues
“Invalid Password” Message
Use the Forgot Password option to reset your password. If you do not receive the reset email, MCAG may have an outdated email address on file.
No Password Reset Email Received
Check your spam folder first. If you still do not receive the email, contact MCAG Support through the contact information provided on the HUB login page.
Need Assistance?
If you continue to experience issues logging in to the Client HUB, please contact MCAG Support using the contact information provided on the HUB login page.
How to Reset Your HUB Password
If you have forgotten your Client HUB password, simply click the "Lost Password?" link on the HUB login page. Enter the email address associated with your account, and a password reset link will be sent to you. Follow the instructions in the email to create a new password and regain access to your account.
If you do not receive the reset email within a few minutes, be sure to check your spam, junk, or quarantine folders, as some email systems may filter automated messages. If you are still unable to access your account, contact MCAG Client Services for assistance.
For security reasons, we recommend using a strong, unique password and updating it periodically. Once logged in, you can use the Client HUB to manage your organization’s information, update payment preferences, upload W-9s, and monitor important settlement-related activity.
Updating Your Payment Information
Clients may have the option to receive their settlement payment either electronically through ACH (Automated Clearing House) transfer or by traditional paper check, depending on the settlement and payment platform being used. ACH payments are typically the fastest and most secure option, allowing funds to be deposited directly into a designated bank account without the delays associated with mail delivery or check processing. Paper checks remain available for clients who prefer a physical payment method, though delivery and deposit times may be longer.
In some cases, administrative processing fees may apply to mailed checks, while ACH transfers are offered at no cost. Clients will receive instructions on available payment options and how to securely select their preferred method when payments are ready to be distributed.
Managing Multiple Locations
Settlement payments are subject to the terms approved by the court and may include deductions for attorneys’ fees, administrative costs, taxes, or other authorized expenses before funds are distributed to claimants. MCAG’s compensation, where applicable, is governed by the client agreement on file and is typically calculated as a contingency fee based on the amount recovered. In addition, certain payment methods or special handling requests may involve processing fees, such as stop-payment requests, check reissuance fees, or optional mailed check delivery charges.
If your organization operates multiple locations, merchant accounts, or merchant IDs, you can add and manage them through the Business Locations section of the Client HUB.
To add a new location:
1. Log in to the Client HUB using the email address associated with your MCAG account.
2. Navigate to the Business Locations tab.
3. Click Add New.
4. Enter the requested location and merchant information.
There may be multiple merchant IDs associated with the same physical address, so be sure to include all relevant merchant information when adding locations.
Keeping your Business Locations up to date helps MCAG identify potential settlement opportunities and ensure claims are filed using the most complete information available.
Clients are encouraged to review their agreements and payment communications carefully for details specific to their account and settlement.
How to Find Your MCAG Account Number
Your MCAG Client Account Number can be found within the Client HUB after you log in. Navigate to your organization's profile or account information section, where your account number is displayed along with other important details. This number helps MCAG identify your account and may be requested when you contact Client Services for assistance.
If you are unable to locate your account number, please verify that you are logged into the correct organization account. Clients with access to multiple organizations should confirm they have selected the appropriate account. If you still cannot find your account number, contact MCAG Support using the contact information on the HUB login page, and we will be happy to assist you.
Having your account number available when communicating with MCAG can help us respond to your questions more quickly and efficiently.
Settlement Filing Services
What MCAG Does
Your payment represents funds recovered through a class action settlement in which MCAG filed a claim on your behalf. The amount of your payment is based on the specific terms of the settlement and the data submitted in support of your claim, such as transaction volume, purchases, or other qualifying activity during the applicable time period. In many cases, settlements are distributed on a pro rata basis, meaning payments are calculated proportionally among all approved claimants after court-approved fees, costs, and other adjustments are applied. Please note that settlement payments can vary significantly from one case to another and may be issued in multiple rounds or distributions over time.
Types of Settlements
The payment process involves several stages before funds are ultimately delivered to claimants. First, claims are submitted and reviewed by the settlement administrator for completeness and eligibility. Once the court grants final approval and any appeals are resolved, the administrator calculates payment amounts and begins issuing distributions. MCAG then processes and forwards payments to eligible clients using the most current contact and payment information available. Depending on the settlement, payments may be issued by check, ACH, or digital payment methods. Please note that timing can vary significantly between settlements, and some cases may involve multiple rounds of payments over an extended period of time.
How Claims Are Filed
Clients may have the option to receive their settlement payment either electronically through ACH (Automated Clearing House) transfer or by traditional paper check, depending on the settlement and payment platform being used. ACH payments are typically the fastest and most secure option, allowing funds to be deposited directly into a designated bank account without the delays associated with mail delivery or check processing. Paper checks remain available for clients who prefer a physical payment method, though delivery and deposit times may be longer. In some cases, administrative processing fees may apply to mailed checks, while ACH transfers are offered at no cost. Clients will receive instructions on available payment options and how to securely select their preferred method when payments are ready for distribution.
What is Settlement Recovery Services (SRS)
Settlement payments are subject to the terms approved by the court and may include deductions for attorneys’ fees, administrative costs, taxes, or other authorized expenses before funds are distributed to claimants. MCAG’s compensation, where applicable, is governed by the client agreement on file and is typically calculated as a contingency fee based on the amount recovered. In addition, certain payment methods or special handling requests may involve processing fees, such as stop-payment requests, check reissuance fees, or optional mailed check delivery charges. Clients are encouraged to review their agreements and payment communications carefully for details specific to their account and settlement.
Upgrade Your Experience
What is MCAG RecoveryIQ?
MCAG RecoveryIQ is MCAG's premium settlement intelligence service designed for organizations that want greater visibility into litigation, settlements, and recovery opportunities that may affect their business.
MCAG RecoveryIQ Benefits
With RecoveryIQ, you receive:
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Early awareness of emerging settlements that could impact your organization.
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Regular litigation and settlement intelligence reports tailored to your industry.
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Deeper insights and analysis beyond our standard settlement notifications.
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Strategic planning information to help your team prepare for future recovery opportunities.
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Access to MCAG's expertise in evaluating settlement opportunities and trends.
Many organizations use MCAG RecoveryIQ to stay informed, reduce the risk of missing valuable recovery opportunities, and better understand how class action settlements may affect their operations and financial recovery efforts.
If your organization wants a more proactive approach to settlement monitoring and litigation intelligence, MCAG RecoveryIQ can provide the information and insights needed to stay ahead of developments in this rapidly changing landscape.
Interested in learning more? Contact MCAG or visit the MCAG RecoveryIQ section of the Client HUB for additional information.
Troubleshooting & Issues
Filed on Your Own?
Clients are always free to file settlement claims on their own if they prefer. However, if you plan to do so, it is important that you notify MCAG in advance. If we are unaware of your intention to self-file, we may also prepare and submit a claim on your behalf under the terms of our agreement, which can result in a duplicate or conflicting claim. These conflicts can delay claim processing and create unnecessary administrative issues with the settlement administrator.
If you are an MCAG RecoveryIQ subscriber, we encourage you to contact us before filing. In many cases, we can provide valuable guidance on eligibility requirements, filing procedures, documentation requirements, and data collection strategies to help improve the accuracy and completeness of your submission. While the filing decision is yours, our goal is to help you avoid common pitfalls and maximize your opportunity for a successful recovery.
Duplicate or Conflicting Claims
A duplicate or conflicting claim occurs when more than one claim is submitted for the same organization, account, or eligible purchases in a settlement.
This most commonly happens when a client authorizes MCAG to file claims on their behalf and later submits a claim directly to the settlement administrator or engages another third-party filing company without notifying us. As a result, multiple claims may be submitted for the same recovery opportunity.
When you enroll with MCAG, you authorize us to identify, evaluate, and file eligible settlement claims on your behalf. If another claim is submitted for the same settlement, the settlement administrator may flag the claims as duplicates or conflicts and require additional documentation before determining which claim is valid.
Duplicate and conflicting claims can:
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Delay the processing of your claim.
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Require additional paperwork and verification.
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Increase the risk that a claim will be rejected or suspended pending review.
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Create confusion regarding who is authorized to act on your organization's behalf.
If you are considering working with another filing service or filing a claim yourself, we strongly encourage you to contact MCAG first. In many cases, we can help you avoid unnecessary delays and ensure that your recovery rights are protected.
If a duplicate or conflicting claim is identified, our team will work with you to determine the cause of the conflict and, whenever possible, assist in resolving the issue with the settlement administrator. The sooner we are notified, the easier it is to address the situation.
Incorrect Information
The best way to ensure your settlement claims are filed accurately is to keep your information up to date in the MCAG Client HUB. When MCAG files claims on your behalf, we rely on the information you provide and maintain in the HUB. Outdated or inaccurate information can lead to filing delays, claim rejections, payment issues, or additional requests for documentation.
We strongly encourage all clients to set up their HUB account and review their information regularly, especially:
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Legal entity name
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Tax Identification Number (TIN/EIN)
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Payee information
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Mailing address
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ACH payment information
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W-9 documentation
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Primary contacts and email addresses
Accurate tax and payee information are particularly important because they are often required by settlement administrators to validate claims and issue payments. An outdated or missing W-9 can delay both claim filing and payment processing.
If you discover incorrect information, simply log in to the MCAG Client HUB and update your records. If you need assistance, our Client Services team is available to help. Keeping your account current helps ensure that claims are filed correctly, payments are delivered to the proper recipient, and your organization receives the full benefit of the recovery opportunities available to it.
Returned Checks
Returned checks are usually the result of an outdated mailing address, a change in ownership or payee information, mail delivery issues, or a check sent to a location no longer monitored by your organization. If a settlement check is returned to the settlement administrator or cannot be delivered, the funds are generally not lost, but additional steps may be required before a replacement can be issued.
If you believe a check was returned or you have not received an expected payment, please visit the MCAG Payment Issue portal as soon as possible. Our team can help determine the status of the payment and guide you through the next steps. In many cases, you may be required to provide updated contact information, a current W-9, or other documentation before you can request a replacement check.
The best way to avoid returned checks is to keep your organization's information up to date in the MCAG Client HUB, including mailing addresses, payee information, tax identification numbers, and payment preferences. Clients who enroll in ACH (direct deposit) can often avoid many of the delays and issues associated with paper checks altogether.
Payment Issues
Your payment represents funds recovered through a class action settlement in which MCAG filed a claim on your behalf. The amount of your payment is based on the specific terms of the settlement and the data submitted in support of your claim, such as transaction volume, purchases, or other qualifying activity during the applicable time period. In many cases, settlements are distributed on a pro rata basis, meaning payments are calculated proportionally among all approved claimants after court-approved fees, costs, and other adjustments are applied. Please note that settlement payments can vary significantly from one case to another and may be issued in multiple rounds or distributions over time. Clients who have not received a payment marked as issued should submit a ticket on the Payment Issue Portal as soon as possible so we can verify the payment status, confirm contact information, and determine whether additional action is needed. In certain situations, a stop-payment and reissuance process may be required for lost, stale, or returned checks, which can extend the overall timeline.