We are here to help you digitize online bank payments with ease.
Monday-Friday: 9AM-5PM PST
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.
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.
|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
• 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
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.
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.
PaaS is designed to allow merchants to utilize local, regional and global payments options through a single API interface. The complexity of moving funds between providers is handled by the PaaS layer (VoPay API) and is hidden from the user. Because only one interface is required, merchants are only required to maintain one master account with verified funds.
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
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.
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.