Frequently asked questions

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

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.

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.

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.

Yes, Total ePay runs on multiple operating systems. Our software is platform independent.

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.

Transactions will be initiated the next business day.

Yes. In order to initiate a stop payment charges apply.

Yes. You can upload a file for multiple 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.

Yes. You can upload a file for multiple customers.

Yes.

Yes, using Total ePay does not alter your current banking relationship.

No. For your own security we will change it upon your signed request.

Log into your account, click Reports and Monthly Statements.

If you are a customer or employee, contact your administrator. If you are a business account, send an e-mail to customerservice@totalepay.com

It is a one year agreement, with a 90 day cancellation notice.

Opening the account is free.

Click Register above. When you submit the form, we will call you.

© 2025 RK Software, Inc. All rights reserved.