Frequently Asked Questions

  • What is an electronic payment?
    A payment that replaces a paper check with an electronic funds withdrawal. These payments are routed through the Automated Clearing House and a paper instrument is not needed
  • Is there a difference between Online Banking and ACH?
    On line banking is accomplished from your bank portal web site where a customer can initiate a payment. However, the ACH is done from Total ePay portal.
  • Do I need to have an account with a specific bank?
    No, Total ePay works with all banks that maintains an account with the Federal Reserve. Therefore, there is no need to switch your current bank in order to use our services.
  • What happens if I change banks?
    Customers, associates and employees need to notify the Business with bank account changes. A Business client must notify Total ePay. Our representatives will work with you to ensure your transition does not have a major impact to you.
  • Does Total ePay software run with any other legacy platforms?
    Yes, Total ePay runs on multiple operating systems. Our software is platform independent.
  • Can I cancel an ACH transaction?
    Yes. Transactions may be cancelled the same business day until 6PM Eastern Time, except bank holidays. However, we recommend that if you need to cancel a transaction to do so at your earliest opportunity.
  • What happens during bank holidays?
    Transactions will be initiated the next business day.
  • Can I make a Stop Payment?
    Yes. In order to initiate a stop payment charges apply.
  • Can I make bulk payments?
    Yes. You can upload a file for multiple payments.
  • Can I schedule future payments?
    Yes. You can schedule payments daily, weekly, monthly, by the day of the week, by the week in a month, on specific days or virtually any pattern and frequency you wish. Our system is flexible and can provides numerous       payment options.
  • Can I upload multiple customer lists?
    Yes. You can upload a file for multiple customers.
  • Can my business account have multiple users?
  • Will I stay in control of my money?
    Yes, using Total ePay does not alter your current banking relationship.
  • Can I change my profile information myself?
    No. For your own security we will change it upon your signed request
  • How will I get my monthly statement?
    Log into your account, click Reports and Monthly Statements.
  • What do I do if I forget my password?
    If you are a customer or employee, contact your administrator. If you are a business account, send an e-mail to customerservice@totalepay.com
  • What is the commitment in opening an account at Total ePay?
    It is a one year agreement, with a 90 day cancellation notice.
  • Is there a cost to opening an account?
    Opening the account is free.
  • How do I open an account?
    Click Register above. When you submit the form, we will call you.