ClickPay AutoPay: Set Up, Change, Cancel and Avoid Fees

ClickPay is now “LOFT Payments by ClickPay”

If your portal looks different from older screenshots, that is why. ClickPay’s own website now brands itself LOFT Payments by ClickPay. It is the same company, the same login at clickpay.com, and the AutoPay settings below work the same way. Menu names may vary slightly between the older and newer screens.

Set up AutoPay, step by step

Before you start, add the bank account or card you want to use under Payment Options (Add New Bank Account, or Add Credit Card/Debit Card). Then, following ClickPay’s resident walkthrough:

1. Open the Auto Pay tab.
2. Choose Edit next to your property or unit.
3. Select the payment method.
4. Choose the amount option (see the next section).
5. Set the month and day of the first payment and the frequency.
6. Choose how long it runs — until you cancel, or for a set period, such as to the end of your lease.
7. Optionally, switch on a reminder that emails you a chosen number of days before each withdrawal.
8. Choose Apply to Property, review the summary, and confirm with Apply.

Choose the right amount option

Which options you see depends on your property manager — Full Amount, for instance, only appears if your manager shares balances with ClickPay.

Option	What it pays	Watch out for
Full Amount	Everything on your ledger: rent or dues, plus late fees, one-time charges and work orders	It pays charges you have not reviewed, including ones you may want to dispute
Full Amount up to a maximum	The full balance, but never more than the cap you set	Anything over the cap stays unpaid until you pay it yourself
Recurring charges only	Rent or scheduled assessments, not one-off charges or late fees	One-off charges still need a separate payment
Fixed Amount	Exactly the figure you enter	When rent or dues rise, the difference goes unpaid — and may draw a late fee

For most residents, Full Amount with a sensible maximum is the best balance: it keeps up with rent increases, while the cap stops an unexpected charge from emptying your account. If you often dispute charges, recurring charges only lets you pay rent on time while you argue about the rest.

When AutoPay actually runs

ClickPay’s current terms say a scheduled payment must be set at least one business day before the due date, and that ClickPay is not responsible for late charges. Business days are Monday to Friday, excluding Federal Reserve holidays.

ClickPay also gets your balance from your property’s system in uploads several times a billing cycle, not in real time. So:

• Not too late. Schedule at least a business day or two before the due date, so a weekend or holiday does not push the payment past it.
• Not too early. FirstService Residential’s ClickPay instructions advise scheduling no more than two or three days before the due date, because the new month’s charges may not be available to pull before then. Run too early and a Full Amount payment may not yet see this month’s rent.

E-check money usually leaves your account within one or two business days of processing; card payments take a few days to settle.

Change or cancel AutoPay

Both are on the same screen: open Auto Pay, then choose Edit to change the method, amount or date, or Cancel to stop it.

The deadline is what catches people:

• ClickPay’s terms: cancel at least one business day before the processing date.
• ClickPay’s help centre: AutoPay runs at about 4 am Eastern, so it recommends cancelling 24 to 48 hours ahead.

Cancelling on the evening before is too late — the payment will already be queued for that morning. Give it two business days.

If a payment has already run, look for a void option on the payment in your history. If it is gone, the money has reached your property, and only your property manager can refund it.

Fees on AutoPay

Fees are set by your property, so the Fee Chart on the AutoPay page is the only reliable source. Patterns seen across ClickPay properties:

• Recurring e-check AutoPay is usually free — ClickPay says e-check payments are “generally at no cost to you.”
• Card AutoPay usually costs extra, commonly 2.95% per payment. On $2,000 rent that is $59 a month, or $708 a year.
• One-time e-check payments may carry a fee that AutoPay avoids. In 2024 a Virginia HOA announced a $3.00 fee on one-time e-check payments while keeping recurring e-check free.

So e-check AutoPay is often the cheapest way to pay through ClickPay at all. Card fees have their own quirks, particularly with Visa — see ClickPay’s credit card fees.

If an AutoPay payment bounces

If the bank account is short or closed, the payment is returned. Then:

• Your rent or dues count as unpaid, and your property’s late-fee rules apply.
• A returned-payment fee may follow. ClickPay assesses it and passes it to your property manager, who decides whether to charge you.
• Repeated returns can block online payments. ClickPay’s help centre describes a “Multiple Returns” block, and says restrictions apply to the whole account — switching to a different bank account or card does not get around it. Only your property manager can sort that out.

To head this off, keep the reminder on and update AutoPay before you close or change a bank account. Card AutoPay has one more trap: an expired card. Update the expiry date in Payment Options when the new card arrives.

Moving out or moving units

AutoPay belongs to a unit, not to you. When you move:

1. Cancel AutoPay on the old unit first.
2. Remove the old unit from your account. Your payment history stays.
3. Add the new unit — at a ClickPay property — and set up a fresh schedule.

Removing a unit without cancelling first is a common way to end up paying for a home you no longer live in.

What to do next

1. Pick Full Amount with a maximum, or recurring-only if you dispute charges.
2. Schedule one to three business days before the due date, not earlier.
3. Turn on the email reminder.
4. Use e-check unless you have a reason to pay the card fee.
5. Cancel two business days ahead whenever you need to stop a payment.

If a payment shows up on your bank statement that you don’t recognise, start with CLICKPAY PROPRTYPAY on your bank statement. For login trouble see the ClickPay login guide, and for who to call, ClickPay customer service. We are independent of ClickPay and RealPage — see our disclaimer.