# Configure product defaults

Use this guide to set default values for payment fields in the Payments Direct interface. Product defaults pre-populate common payment fields to reduce repetitive data entry for your team.

## Prerequisites

- You must be signed in as an Organization Administrator or have access to Payment Settings.
- This feature is available to Payments Direct customers only.


## Open Payment settings

1. In the left navigation, select **Settings**.
2. Select **Payment settings**.


If your organization has not configured product defaults yet, the page opens in setup mode with the title **Add Product Configuration**. If defaults have already been configured, the existing values are pre-populated in the form.

## Set default values

### Source

Set defaults for the originating side of payments:

| Field | Description |
|  --- | --- |
| **Country** | The default source country for payments. |
| **Currency** | The default source currency for payments. |


Both fields are optional. Leave blank if you do not want to pre-fill these values.

### Destination

Set defaults for the receiving side of payments:

| Field | Description |
|  --- | --- |
| **Country** | The default destination country for payments. |
| **Currency** | The default destination currency for payments. |


Both fields are optional.

### Funding method

If just-in-time (JIT) funding is enabled for your account, a **Funding method** section appears with the following toggle:

| Setting | Description |
|  --- | --- |
| **Just-in-time payments** | When enabled, allows payments that exceed your current available balance. You wire the required funds after initiating the payment, before the funding window closes. |


For more information about JIT funding, see [Funding methods](/products/payments-direct-2/introduction/concepts/funding-methods).

## Save your configuration

Select **Save** to apply your changes.

A confirmation message appears when the configuration is saved successfully. The saved defaults are applied to the payment form for all users in your organization.

## Notes

- Product defaults pre-fill fields in the payment form but do not restrict what values users can enter. Users can change or clear any pre-filled value when creating a payment.
- Changes to product defaults take effect immediately for all users in your organization.
- To reset all defaults, clear each field and save.