To see whether your payment went through or not you have to look atyour student account statement, not the payment agreement. To do that, log into MUGSI, click Student Accounts & Cashiers on the left, then Account Statement on the right. Your loan balance should say 0.00 if you don't owe anything I believe, and if they've received your payment then there should be a negative sign beside the amount you paid. To pay for your penalty, I think you can just do it through online banking... just pay it out to McMaster and check your account statement again... Anyway, that's what I would do! Hope that helps!