ClickPay Won't Let Me Pay? Every Block and How to Clear It

First, identify which block you have

ClickPay’s own help centre spreads this across several articles. Here it is in one table.

What you see	What it means	Who can fix it
Not Accepting Payments	Your property manager has switched off online and phone payments for you or your building	Property manager
No Balance Available or products inactive	No charges posted yet, often before the 1st, or your unit isn’t linked	Wait for posting, or property manager
Account Disabled	A restriction on your profile — from your manager or from returned payments	Property manager, then ClickPay
Payments paused after returns	Several e-checks were returned by your bank	ClickPay and your manager
Blocked after a dispute	You filed a chargeback or bank dispute	You, by withdrawing the dispute
Card declined or limit error	Card’s transaction or credit limit, or your building’s threshold	Card issuer, or another method
Can’t change the amount	Your property fixes payments to the balance due	Property manager

The block names come from ClickPay’s help articles on payment blocks and unsubmittable payments. The exact wording on your screen may differ slightly, especially now that ClickPay’s portal carries its new “LOFT Payments by ClickPay” branding.

Manager restrictions

ClickPay says online and phone payments can be “restricted at the request of your property management company.” Managers do this for reasons ClickPay won’t tell you, and possibly doesn’t know: a payment plan, a legal matter, a balance dispute, a move-out, or a rule requiring a different payment method after earlier bounced payments.

What to do: email your property manager, quote the exact message on screen, and ask two things — why payments are restricted, and how they want this month’s payment made. Put it in writing. If they want a paper or certified cheque, get the payee name and address from them, not from a phone call you didn’t start.

Returned payments

If your bank returns an e-check — insufficient funds, a closed account, a wrong account number — ClickPay never retries it. You must make a new payment. Your rent or dues stay unpaid in the meantime, and a returned-payment fee may be passed on to you by your manager.

After several returns, ClickPay pauses new payments on the account to protect it. ClickPay does not publish the exact number that triggers it.

What to do:

1. Find out why it was returned — your bank can tell you the return reason.
2. Fix the cause: fund the account, or remove an old account from Payment Options.
3. Ask your property manager how they want the missed payment made.
4. Ask ClickPay support whether the pause can be lifted, and what they need from you.

Chargebacks and bank disputes

This is the strictest block. ClickPay’s help centre says that after a disputed transaction “the resident is no longer able to use our system,” and the block lifts only if you:

1. Ask your bank to withdraw the dispute.
2. Get written confirmation that it has been withdrawn.
3. Submit a ticket at ClickPay support with that document attached.

Card declines and limits

Single-transaction limits. Many cards cap individual transactions below a typical rent. Call the number on the back of your card, ask them to approve a payment of that size to ClickPay, then try again.

Credit limit. The payment plus the card fee must fit within your available credit.

Visa thresholds. ClickPay charges Visa payments a flat fee based on your building’s average payment, with a maximum payment threshold set per building. If your payment exceeds it, ClickPay emails you asking you to choose another method. Our guide to ClickPay’s credit card fees explains how that flat fee works and when it costs more than it should.

Your own bank can block ClickPay

If your bank account has an ACH debit block or filter — common on business accounts and some savings accounts — every ClickPay e-check will be returned, which can then trigger ClickPay’s returns pause.

Before your first payment, ask your bank whether debit blocks are on. If they are, ask ClickPay support for the company ID it uses for ACH debits and give it to your bank to whitelist.

When “No Balance Available” won’t go away

1. Check the date. Before the 1st, charges may not be posted yet.
2. Check the unit. Under My Account, make sure the right unit is linked — moving units or buildings can leave you linked to an old one.
3. Check with your manager. If it is past the 1st and your unit is right, the balance upload from your property hasn’t arrived. Only your manager can fix that.

You may still be able to pay by cheque or bank bill pay in the meantime; ask your manager how.

If your due date is today

A block rarely clears in hours, so plan a fallback before the deadline passes:

1. Email your property manager now, before the due date, saying you tried to pay online, quoting the exact message, and asking how to pay today. A dated email showing you tried to pay on time is your best defence against a late fee.
2. Ask whether they accept a cheque, money order or bank bill pay while the block is sorted out, and where to send it. Use the address on your statement, not one from a search.
3. Keep a screenshot of the error message with the date visible.
4. Don’t try the same payment repeatedly with different cards. Each attempt can trigger a card fraud check, and none of them will get round an account-level block.

Once the block is lifted, check your ledger for any late fee and ask for it to be removed if the block was not caused by you.

What to do next

1. Read the exact message and match it in the table above.
2. Contact your property manager first for any restriction, balance or amount problem.
3. Contact ClickPay (1-800-533-7901, support@clickpay.com) for returns and chargeback blocks.
4. Don’t keep switching cards — it won’t get around an account block.
5. Pay another way if the block won’t clear before your due date.

For who handles what, see ClickPay customer service. For timing, see how long a ClickPay payment takes. We are independent of ClickPay and RealPage — see our disclaimer.