Frequently Asked Questions

Browse our FAQs to find answers to popular topics surrounding our payment rails and services.

  • Payment Services / Payouts / Refunds
  • Portal Account / Dashboard
  • Sandbox / API / Onboarding
  • Billing
  • Data & Privacy
  • What’s the difference between your Intelligent EFT / ACH (iQ11) and regular EFT / ACH payment service?

    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.

  • What’s the funding time for Intelligent EFT / ACH (iQ11)?

    Funding time for Intelligent EFT / ACH (iQ11) is up to 1 business day

  • What’s the funding time for EFT / ACH?

    Funding time for EFT / ACH is up to 3 business day

  • What’s the funding times for Bulk e-Transfer?

    Funding time for Bulk e-Transfer is less than 1 hour.

  • For your Intelligent EFT / ACH (iQ11) payment service what happens if somebody doesn’t connect their bank account?

    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.

  • Do you offer credit card payments?

    We are working on an exciting partnership. Stay tuned!

  • Is there a daily transaction cap?

    Please contact VoPay support for your cap amount.

  • Is there a per transaction cap?

    Please contact VoPay support for your cap amount.

  • Do you hold funds?

    We never hold funds unless suspicious activity has been detected in your account.

  • How long does a refund take to process?

    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.

  • What currencies do you support?

    Our global cash management payment service provides local payout service in 50+ countries and foreign exchange in 80 currencies.

  • Can I leverage my existing partnership with a data aggregator like Plaid or Flinks?

    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.

  • How many e-transfer can I send at any one time?

    You can send up to 1,000 Interac e-Transfers in near real-time or send up to 100,000 Interac e-Transfers overnight.

  • What’s the e-transfer fund limit?

    The daily e-transfer limit per payment is $10,000.

  • Can I request an e-transfer from a customer?

    This feature is coming soon.

  • What do your EFT / ACH return/ reversal codes mean?

    900Edit Reject
    902Cannot Trace
    903Payment Stopped/Recalled
    904Post/Stale Dated
    905Account Closed
    907No Debit Allowed
    908Funds Not Cleared
    909Currency/Account Mismatch
    910Payor/Payee Deceased
    911Account Frozen
    912Invalid/Incorrect Account No.
    914Incorrect Payor/Payee Name
    915PAD No Agreement Existed – Business/Personal
    916PAD Not In Accordance with Agreement – Personal
    917PAD Agreement Revoked – Personal
    918PAD No Pre-Notification – Personal
    919PAD Not In Accordance with Agreement – Business
    920PAD Agreement Revoked – Business
    921PAD No Pre-Notification – Personal
    990Institution in Default
  • What are your EFT / ACH transaction submission cut-off times?

    We have three daily cut-offs to submit EFT/ ACH payments:

    • 6am EST

    • 11am EST

    • 6pm EST

    No processing on weekends or public holidays.

  • How do I fund my VoPay account on my client dashboard?

    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. 

  • How do I request funds from a customer on my client dashboard?

    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.

  • How do I send funds to a customer on my client dashboard?

    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.

  • How do I cancel a payment?

    To cancel a bulk 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.

  • When can I cancel a transaction?

    As long as you a bulk e-transfer transaction hasn’t been accepted by a user it can be cancelled.

  • Do you offer sub accounts?

    Yes, VoPay offers sub accounts to authorized partners.

  • How do I add a sub account?

    If this feature is enabled go to My Account in your client dashboard, than to Sub Accounts to view and add new sub accounts.

  • How do I update the payment descriptor that appears on a users bank statement?

    Please contact VoPay Support to make an update.

  • What is the difference between a short and long name?

    You have the ability to set the short and long name (originator ID) for each account during the account creation process in your VoPay accunt:

    • Short Name: This will be the company name that appears on the user’s bank statement and can be up to 15 characters in length
    • Long Name: This is the full company name and can be up to 30 characters in length

  • How do I get a sandbox API key?

  • How do I get a production API key/ credentials?

    You’ll receive your production key after the approval of your API implementation on your staging site.

  • How do I access VoPay API documentation?

    You can access VoPay API documentation here:

  • What support do you provide for implementing your API?

    You’ll have received dedicated technical support to implement the API once you sign a business agreement.

  • What’s the difference between sandbox and production?

    The main difference is there are no real funds moved around in the sandbox environment.

  • Are your payment services white labeled?

    Yes, all of our API payment services are white labeled.

  • What AML/ KYC information do you require for setting up a new merchant account?

    Identity verification is an important and required step toward reducing risk. Here’s some of the information we’ll require:

    • Information about the business (e.g., name, address, business number/ tax ID).
    • Information about the person opening the account (e.g., name, date of birth).
    • Beneficial owner information (e.g., name, personal address).
    • A scan of an ID document
  • How long does it take to implement your API?

    That depends on the size and experience of your technology team but it can be as little as few days.

  • What are your testing/ reviewing criteria to issue production credentials?

    If you are implementing our API we require you to submit your complete payment flow on your staging site for us review and test.

  • How long does your production account approval process take?

    We will schedule a user experience review call. You will receive approval within 2 business days after that.

  • How do I pay my monthly invoice?

    Your monthly invoice amount will be automatically deducted on the last business day of the month from your VoPay account balance.

  • Do you charge for returned payments?

    Yes, we charge for returned payments. Please refer to your pricing agreement for details.

  • How do you protect personal identifiable information?

    Personal identifiable information collected has been minimized and all required information is encrypted.

  • How do you protect payment information?

    All payment information is either encrypted or tokenized ensuring it can’t be identified.

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