Browse our FAQs to find answers to popular topics surrounding our payment rails and services.
Unlike our regular EFT / ACT payment service our Intelligent EFT / ACH (iQ11) payment service gives your customer the option to connect their bank account saving them the need to input any bank account details and allowing verification of sufficient funds.
Funding time for Intelligent EFT / ACH (iQ11) is up to 1 business day
Funding time for EFT / ACH is up to 3 business day
Funding time for Bulk Interac e-Transfer is less than 1 hour.
If somebody chooses not to connect their bank account they will be asked to manually enter their payment details just like they would for our regular EFT / ACH payment service.
We are working on an exciting partnership. Stay tuned!
Please contact VoPay support for your cap amount.
Please contact VoPay support for your cap amount.
We never hold funds unless suspicious activity has been detected in your account.
Any EFT / ACH refund will require 5 days for the funds to clear before a refund can be issued. After that it will take 2 to 3 days for the funds to appear in the payor’s bank account.
Our global cash management payment service provides local payout service in 50+ countries and foreign exchange in 80 currencies.
Yes, you can leverage your data tokens using our Intelligent EFT / ACH (iQ11) payment services by having your users skip all the authorization access and bank account selection steps, streamlining the payment check out experience.
You can send up to 1,000 Interac e-Transfers in near real-time or send up to 100,000 Interac e-Transfers overnight.
The daily Interac e-Transfer limit per payment is $10,000.
This feature is coming soon.
|907||No Debit Allowed|
|908||Funds Not Cleared|
|912||Invalid/Incorrect Account No.|
|914||Incorrect Payor/Payee Name|
|915||PAD No Agreement Existed – Business/Personal|
|916||PAD Not In Accordance with Agreement – Personal|
|917||PAD Agreement Revoked – Personal|
|918||PAD No Pre-Notification – Personal|
|919||PAD Not In Accordance with Agreement – Business|
|920||PAD Agreement Revoked – Business|
|921||PAD No Pre-Notification – Personal|
|990||Institution in Default|
We have three daily cut-offs to submit EFT/ ACH payments:
• 6am EST
• 11am EST
• 6pm EST
No processing on weekends or public holidays.
To fund your account login, go to MY ACCOUNT on the left hand side, select FUND MY ACCOUNT and add/link your bank account.
Before you can start using the VoPay platform please sure that you transfer funds to cover your first invoice and required security deposit. These amounts were emailed to you.
Go to Collection and either click on:
Single Payment: Initiate a single one time payment request directly from your VoPay account without using our API
Bulk Payment: Manage and create groups to initiate a bulk one time payment request directly from your VoPay account without using our API.
Go to Payment and either click on:
Single Payment: Initiate a single one time payout directly from your VoPay account without using our API
Bulk Payment: Manage and create groups to initiate a bulk one time payout directly from your VoPay account without using our API.
To cancel a bulk Interac e-Transfer transaction go to the Transaction History under Statements and Reports, click on the DETAILS button beside the transaction you would like to cancel and then click the red CANCEL button. Currently no other payment type can be cancelled.
As long as you a bulk Interac e-Transfer transaction hasn’t been accepted by a user it can be cancelled.
Yes, VoPay offers sub accounts to authorized partners.
If this feature is enabled go to My Account in your client dashboard, than to Sub Accounts to view and add new sub accounts.
Please contact VoPay Support to make an update.
You have the ability to set the short and long name (originator ID) for each account during the account creation process in your VoPay
Sign up at https://vopay.com/api-sandbox/
You’ll receive your production key after the approval of your API implementation on your staging site.
You can access VoPay API documentation here: https://docs.vopay.com/reference/getting-started-with-your-api
You’ll have received dedicated technical support to implement the API once you sign a business agreement.
The main difference is there are no real funds moved around in the sandbox environment.
Yes, all of our API payment services are white labeled.
Identity verification is an important and required step toward reducing risk. Here’s some of the information we’ll require:
That depends on the size and experience of your technology team but it can be as little as few days.
If you are implementing our API we require you to submit your complete payment flow on your staging site for us review and test.
We will schedule a user experience review call. You will receive approval within 2 business days after that.
Your monthly invoice amount will be automatically deducted on the last business day of the month from your VoPay account balance.
Yes, we charge for returned payments. Please refer to your pricing agreement for details.
Personal identifiable information collected has been minimized and all required information is encrypted.
All payment information is either encrypted or tokenized ensuring it can’t be identified.
Get access to our developer friendly API and get a feel for how our payment solutions work.
We are happy to answer your questions. Fill out the form and we will have one of our team members contact you.