About CheckFree WebPay FAQs | E-bill FAQs | Payment FAQs | Payee FAQs | Account Transfer FAQs | Auto-Pay FAQs

A: CheckFree WebPay provides two services in one. The bill payment service lets you receive and pay bills online. The only payments you cannot make through your bill payment service are court-ordered payments, state and federal tax payments, and international payments. With e-mail payments you can electronically send money to and receive money from anyone with an e-mail address. You use payment accounts that you specify—accounts you already have with the financial institutions you trust.

The bill payment features let you:

• Pay anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier.
• Set up repeating payments, such as a car payment or rent.
• Schedule single payments up to one year in advance.

The e-mail payment features let you:

• Send money to anyone with an e-mail address—gifts, payments, almost anything!
• Track payments online. No more "check is in the mail" worries.
• Transfer money electronically between your checking and money market accounts—even those at different financial institutions.

A: CheckFree WebPay consists of a bill payment service and an e-mail payments service. There are two basic steps involved in using the bill payments service:

1. Set up your payees.
2. Schedule payments.

When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each account you have with a payee one time. All of your payees are also listed on the Make Payments - Multiple Payments page, where you can quickly schedule payments.

When you make a payment, you specify the date that you want us to begin processing your payment. You should schedule the payment date at least four business days before the due date shown on your bill. This is similar to you mailing a check for a payment several days before the due date on your bill to ensure that the payee receives your payment and credits your account before the due date.

After a payment is scheduled, it appears as Scheduled on the Payment Activity - Bill Payments page. After we begin to process your payment, the status changes to Processed. The payee receives your payment and credits your account.

Use the e-mail payment service to make payments to or receive payments from anyone with an e-mail address. To make a payment, you just need to know the e-mail address and last name of the person you want to pay and the amount you want to send. If the person you are sending money to isn't enrolled in an e-mail payments service, you can invite him or her to enroll in CheckFree WebPay.

Note: To make sending e-mail payments even easier, you can set up nicknames for people you send payments to. Then all you have to do is select the nickname when you want to make a payment or send a request for money. To set up nicknames, go to Payee Setup - E-mail Payments Nickname List.

A: After you complete the online enrollment process, you can immediately begin to send e-mail payments and invitations, and you can receive limited payments from others. You will receive a confirmation e-mail message, generally within an hour after your enrollment. To activate your e-mail payments service, complete the confirmation process as directed in the message.

Note: If you have not received a confirmation e-mail within 12 hours after your enrollment, call 800-297-3180 or 614-654-3500.

If you were required to send in a paper form as part of your enrollment process, you will receive an e-mail message about your enrollment after the paperwork is processed. This usually takes about 7 days after we receive the form. To finish the enrollment process, follow the instructions provided in the e-mail message.

A: CheckFree WebPay uses several methods to ensure that your information is secure.

• User Name and Password: Your user name and password are unique identifiers that only you know. As long as you don't share your user name and password with anyone, no one can sign in to CheckFree WebPay as you.
• SSL: CheckFree WebPay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
• Encryption: CheckFree WebPay uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
• Automatic Sign Out: In addition, CheckFree WebPay automatically signs you out of a session if you are inactive for several minutes. It is best if you sign out immediately after you are finished using CheckFree WebPay.

A: This is a free service! There are no monthly or transaction fees associated with your CheckFree WebPay service.

A: Go to the My Profile page and click Service Setup at the top of the page. On the My Profile - Service Setup page, click Cancel Your Service at the bottom of the page. Before you cancel your service, keep in mind the following:

• Payments with a status of Scheduled, including repeating payments, are not paid.
• Payments with a status of In Process are paid.
• If you registered a device with Wireless Access, please cancel your wireless access before canceling CheckFree WebPay by clicking the Change/Cancel Wireless Access link on the My Profile - Service Setup page.
• You no longer have access to your payment activity and you can no longer send payment inquiries. You should wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won't have any outstanding payments that you can't view or inquire about after you cancel your service.
• Your payees are notified to stop sending e-bills. However, it can sometimes take a few days for the payee to process the request. Therefore, until you begin receiving paper bills again you should contact the payee directly about your payment amount and payment due date. Because you can't send your payment using CheckFree WebPay after you cancel your service, you should make your payment to the payee by some other means, such as a check.
• You will no longer receive e-mail payments. Any e-mail payment that another person sends to you will not be deposited into your payment account and will instead be returned to the person sending the payment.
• For any e-mail payment invitations with money that currently have a status of Unclaimed, the recipient will not be able to receive the money you sent with the invitation.
• You should print a copy of the Payment Activity - Bill Payments page and the Payment Activity - E-mail Payments page to keep for your records before you cancel your service.
• If you decide to use CheckFree WebPay again, you will have to re-enroll and set up your payee list and nickname list again.

A: It's important to keep your personal information up to date so that we can contact you if necessary. You can review your personal information on the My Profile page. Go to the My Profile - Personal Information page and click Change in the section that contains the information you want to change.

Note: You cannot make any changes to your personal information until seven days after you enroll. When you enroll, we send you a letter to confirm your enrollment. The seven day wait allows time for the letter to reach you.

A: CheckFree WebPay can assist you in using its features as follows:

• This product contains help that is available on each page. Click the Help me with this page... link to open help for a specific topic. Also, you can click the Help button to open the Help Me Topics page.
• If you have general questions, read through the list of frequently asked questions (FAQs).

A: To sign up for CheckFree WebPay, you must enroll online and submit a completed enrollment form. Take me to the enrollment page.

A: When you first provide an e-mail address it is unconfirmed. We must confirm the e-mail address for security purposes. After you enroll in CheckFree WebPay and whenever you add a new e-mail address, we send you an e-mail with a confirmation number. You enter the confirmation number as instructed to verify the e-mail address. The confirmed e-mail address can then be used to receive e-mail payments.

A: The correspondence e-mail address is the e-mail address you provide when you enroll in CheckFree WebPay. We use this address to send you e-mails related to your CheckFree WebPay service. E-mail Payments addresses are confirmed e-mail addresses that are used for receiving e-mail payments. If you confirm your correspondence e-mail address after enrollment, it will also be used to send you information about any e-mail payments you receive. You can change your correspondence e-mail address or add additional E-mail Payments addresses on the My Profile - Personal Information page.

A: Go to the My Profile - Personal Information page. Click Confirm next to the e-mail address that you want to confirm. Then click the link at the bottom of the page to request a new confirmation number.

A: Confirming your payment account within CheckFree WebPay enables you to use all the features of CheckFree WebPay without the limitations of an unconfirmed payment account. For example, until you confirm your payment account within CheckFree WebPay, you are limited in the total dollar amount of payments you can make and the total dollar amount that others can send to you. Other tasks that you can do with a confirmed payment account are:

• Set up Auto-Pay payments.
• Set up repeating payments.
• Receive e-mail payments.
• Move payments from one account to another.
• Transfer money from one account to another.
• Send requests for money to other people.

Note: The information that you need to confirm your payment account is on the account statement provided by your financial institution. Account confirmation transactions will have ACCTCONFRM in the description.

A: A confirmed payment account is an account that you can use with all CheckFree WebPay features. The only limitation on a confirmed payment account is your payment limit.

An unconfirmed payment account can only be used to do certain tasks within CheckFree WebPay. With an unconfirmed account, you can send payments and receive payments only until you reach the total dollar limit established for unconfirmed payment accounts. When you reach the dollar limit for an unconfirmed payment account, you can't schedule any more payments from that account or have any payments deposited into the account.

Account confirmation gives you and CheckFree an extra level of assurance that the payment account you added through CheckFree WebPay is actually your payment account or a payment account that you are authorized to use.

A: After you enroll or add a new payment account from CheckFree WebPay, we send two small deposits and one withdrawal to your account. (The withdrawal is the sum of the two deposits and is less than a dollar.) The deposits and withdrawal appear on your monthly statement from your financial institution (either online or mailed to you) with ACCTCONFRM in the description.

When your account confirmation deposits and withdrawal appear on your monthly statement, go to My Profile - Payment Account and click Confirm next to the payment account you want to confirm. On the My Profile - Payment Account Confirmation page, type the deposit amounts in the appropriate boxes. If the deposit amounts you type match the deposit amounts in our records, then your account is confirmed.

Note: If you wait longer than 45 days to confirm your payment account, you can't send any payments from the account or receive any payments into the account until you confirm it. If you exceed the number of attempts you have to confirm your account or there is a problem when we try to send money to your financial institution to confirm your account, you must print and mail us a form. To go to the form you can print and mail, click Contact Us next to the payment account you want to confirm.

The total number of unconfirmed payment accounts you can have in a 12-month period is three. This includes any payment accounts with a status of Confirmation Locked, Confirmation Failed or Expired. After you reach the total allowed within a 12-month period, we no longer allow you to add payment accounts without first confirming an existing payment account.

A: If you made a mistake when typing the account number, the routing transit number, or account type, you should add the payment account again using the correct information and confirm it. After the new account is confirmed, delete the account with the incorrect information.

A: Keep in mind that it can take up to a month for the payment account confirmation deposits and withdrawal to appear on your monthly statement. The account confirmation deposits and withdrawal are identified with ACCTCONFRM in the transaction description.

Some other ways that you can get this information are to check your account statement online or to call your financial institution and ask for the account confirmation deposit amounts.

If your financial institution has no record of the account confirmation deposits and withdrawal, go to Payment Activity to locate the account that shows confirmation deposits. Check this account number against the account number shown on your monthly statement or online statement. If the account numbers don't match, you can either confirm the payment account listed on the Payment Activity page or correct the payment account number.

To make the correction, add a new payment account with the correct account number on the My Profile - Payment Account Information page. After adding the new payment account, be sure to delete the incorrect account on the My Profile - Payment Account Information page.

A: You can make payments from an unconfirmed payment account up to the limit shown. You can confirm the account on the My Profile - Payment Account Information page. After you confirm a payment account, your payment limits are re-evaluated and you can use all the features of CheckFree WebPay.

If you are using an additional service to access CheckFree WebPay, you can't make any payments from an unconfirmed payment account through the other service. You must first confirm the payment accounts you want to use with the service before scheduling payments. After confirming your payment account, it will be available in any of your additional services.

A: To change an unconfirmed payment account, you must add a new payment account with the correct information on the My Profile - Payment Account Information page. After the new payment account with the correct information is confirmed, delete the incorrect payment account.

A: This is for your protection in case someone is using your account without your authorization. When you confirm your account using information that only you or someone you authorize to use your account can know, then we re-evaluate your payment limits.

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