Coming up short around the holidays? What if you could skip that next car payment without late payments or credit dings?

Enter Skip-A-Pay, a software application developed by Livermore, Calif., online banking developer CUBUS Solutions that integrates into a credit union's core system and fully automates the process of approving a member's request to skip a pending payment.

Before Skip-A-Pay, it might take a credit union employee a half hour or longer to process and input a skip a payment request, said John-Ashley Paul, CUBUS CEO. With Skip-A-Pay in place, it takes no time because the process is fully automated, he said.

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