What Is ClickPay Property Pay? It Doesn't Exist

The short version: it isn’t one thing

You have run two separate product names together.

Property Pay is a bank product. It belongs to First Citizens Bank, sold through its Community Association Banking division, and residents reach it at propertypay.firstcitizens.com.

ClickPay is a software product. It belongs to RealPage, operates as NovelPay, LLC, and residents reach it at clickpay.com.

They compete — both collect HOA and condo assessments, for different associations. Neither is a feature of the other.

ClickPay’s own association-manager pages, its resident pages, RealPage’s ClickPay product page, RealPage’s internal site search, the full 88,000-character ClickPay User Agreement, and a live client portal all contain zero references to “Property Pay.”

Why the names get tangled

They look identical from the resident’s seat. Both send you a coupon or statement, both ask you to find your unit, both take e-check and card, both show a fee at the end.

Property Pay has changed hands twice. It started life as a Mutual of Omaha Bank product. CIT acquired Mutual of Omaha Bank on 1 January 2020, explicitly to get its community association banking business. Then First Citizens completed its merger with CIT on 3 January 2022. So depending on when your association joined, you may have seen the same portal branded three different ways.

Management companies rarely explain the distinction. Your HOA newsletter says “pay online” and links somewhere, without naming the processor.

How to tell which one you’re being asked to use

Check the URL first. A lookalike email can copy the branding, but not the domain in your address bar.

<g stroke="var(--c-text-subtle)" stroke-width="1.5" fill="none">
  <path d="M380 70 V96"/><path d="M170 96 H590"/>
  <path d="M170 96 V120"/><path d="M590 96 V120"/>
</g>

<rect x="30" y="120" width="280" height="150" rx="10" fill="var(--c-accent-soft)"
      stroke="var(--c-accent)" stroke-width="1.5"/>
<text x="170" y="146" text-anchor="middle" font-size="13.5" font-weight="700" fill="var(--c-text)">propertypay.firstcitizens.com</text>
<text x="170" y="172" text-anchor="middle" font-size="14" font-weight="700" fill="var(--c-text)">Property Pay</text>
<text x="170" y="194" text-anchor="middle" font-size="12.5" fill="var(--c-text-muted)">First Citizens Bank</text>
<text x="170" y="214" text-anchor="middle" font-size="12.5" fill="var(--c-text-muted)">Screens say &#8220;Member FDIC&#8221;</text>
<text x="170" y="234" text-anchor="middle" font-size="12.5" fill="var(--c-text-muted)">Asks for a Property ID</text>
<text x="170" y="254" text-anchor="middle" font-size="12.5" fill="var(--c-text-muted)">866-800-4656, option 2</text>

<rect x="450" y="120" width="280" height="150" rx="10" fill="var(--c-surface-alt)"
      stroke="var(--c-border-strong)" stroke-width="1.5"/>
<text x="590" y="146" text-anchor="middle" font-size="13.5" font-weight="700" fill="var(--c-text)">clickpay.com</text>
<text x="590" y="172" text-anchor="middle" font-size="14" font-weight="700" fill="var(--c-text)">ClickPay</text>
<text x="590" y="194" text-anchor="middle" font-size="12.5" fill="var(--c-text-muted)">RealPage / NovelPay, LLC</text>
<text x="590" y="214" text-anchor="middle" font-size="12.5" fill="var(--c-text-muted)">Co-branded with your manager</text>
<text x="590" y="234" text-anchor="middle" font-size="12.5" fill="var(--c-text-muted)">Asks for an access number</text>
<text x="590" y="254" text-anchor="middle" font-size="12.5" fill="var(--c-text-muted)">1-800-533-7901</text>

If the URL alone does not settle it, these differences will:

What happened to the Property Pay app

Both listings now return 404 — the Apple App Store entry and the Google Play package, which still carries the Mutual of Omaha Bank name in its identifier: com.mutualofomaha.hoa.hoapass. That is the product’s origin showing through, more than five years after the bank was sold.

First Citizens’ current Property Pay guides direct residents to the website. If you find an app claiming to be Property Pay, be careful — the official ones do not exist any more.

On fees, both are equally unhelpful

Neither publishes a number, and for the same reason: the charge is set per association, and it changes.

First Citizens’ own one-time payment guide says only “Fees may apply” and that “the payment summary lists the payment amount, fees, if any, and a total amount paid.” ClickPay says fees are governed by your property’s arrangement and points you to an in-portal Fee Chart.

On the ClickPay side it is demonstrably variable. One association’s ClickPay FAQ in June 2022 advertised free e-check and a 2.95% card fee. In July 2024, a Virginia HOA announced ClickPay had added a $3.00 charge on one-time e-check payments while leaving recurring e-check free.

So do not trust any figure you read for either product — ours included. Read the confirmation screen before you submit. Our guide to ClickPay’s credit card fees goes into how that side is structured.

Other portals you might be confusing these with

If your address bar shows neither domain, you may be on a third portal. Several banks run their own — Alliance Association Bank’s homeowner payment services is another you may meet. On the software side, Zego (owned by Global Payments) and RentPayment (inside MRI Software) do similar work.

What to do next

1. Open your payment page and read the address bar.
2. Match the support number to the portal, using the table above. Calling ClickPay about a Property Pay payment wastes an afternoon.
3. Check the fee on the confirmation screen before you submit, every time — it can change between billing cycles without much notice.
4. If you still cannot tell, ask your association, not the bank or the processor. Your management company chose the platform and can tell you which one.

If it turns out you are on ClickPay, our overview of what ClickPay is and who runs it covers the rest, and is ClickPay legit deals with the trust question directly. This site is independent of both companies — the details are on our disclaimer page.