Support & FAQ

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 (Subject to Approval. Terms and Conditions Apply)

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

Transfers are almost instant but can take up to 30 minutes depending on your bank or credit union. Learn more.

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!

Once an e-Transfer request has been processed and the specified transfers have been created, the sender can cancel them up until they’re picked up by the recipient, through the submission of a cancel transfer request.

If a transaction is already accepted and the deposit has been made there is no way to cancel the transaction.

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 canceled.

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.

Yes, VoPay offers sub accounts to authorized partners.

Please contact VoPay Support to make an update.

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 unlimited Interac e-Transfers in near real-time, 24/7/365.

The e-transfer limit per payment is $25,000.

Yes. If you previously applied for Interac E-Transfer Money request service and it is already enabled for your account, then you could either use this function through the client dashboard or the API.

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

• 6am EST

• 1pm EST

• 6pm EST

No processing on weekends or public holidays.

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

250 financial institutions that accept e-transfers. See a complete list here.

Yes, you can cancel any scheduled payment.

Yes, you can automatically disperse funds from a settled transaction to multiple recipients. You can set the business rules to meet your business needs. Here’s an example:

• Business Rule: 50% to bank account A, 25% to bank account B and 25% to bank account C
• $1000 payment
• EFT 1: $500 sent to account A
• EFT 2: $250 sent to account B
• EFT 3: $250 sent to account C

Businesses can send money in real-time to almost any Visa account or cardholder globally, 24 hours, 7 days a week. Learn more here.

Funds can be available in a recipient’s account within 30 minutes of transaction approval—all day, every day.

VoPay’s e-Transfer for Business is a solution powered by Interac that enables businesses to Send (Payouts), Collect (Request), and Receive (Inbound) transactions across Canada in a safe, secure and quick manner. The funds are transferred from one account to another, in near real-time using only an email address. The service is accessible through VoPay’s API integration or online payment portal 24/7/365. Learn more here.

With Interac e-Transfer for Business, you can send single or multiple Interac e-Transfers through our API that will be accepted at 250 financial institutions. See a complete list here.

This enhanced EFT / ACH payment service is enabled by the user linking their bank account through one of four VoPay data aggregation partners. This allows for instant bank account verification payments that validates that the user attaching a bank account actually owns the account. It also allows for improved settlement speed. Learn more here.

Please visit a complete list here.

The transaction expires in 30 days. Upon expiration, funds that were sent will automatically be redeposited into the sender’s account.

If the recipient doesn’t know the answer to the security question, they need to contact the sender. If the recipient answers the security question incorrectly more than three times, the Interac e-Transfer transaction will automatically cancel.