General Questions

• What is Popmoney?

  The Popmoney^® personal payment service lets you send, and receive or request money from friends, family or just about anyone with an email address or mobile number*. Popmoney is part of our online bill pay service and lets you move money from your bank account to theirs safely and securely, with ease. And Popmoney is easy for your friends and family to use, at their bank or at Popmoney.com.

• How do I enroll/sign up?

  Enrollment is easy. Popmoney is a part of our online bill pay service, so if you are already enrolled in online bill pay you can log in and start using the Popmoney service now. If not, simply enroll in online bill pay to start using the Popmoney service.

• How does Popmoney work?

  Popmoney works through the online banking and bill pay services, using the same systems and security you rely on today.

  To send money, all you need is the name and email address or mobile telephone number of the person to whom you are sending money. They will receive a personalized email or text message notification that comes directly from you.

  If their bank or credit union offers Popmoney, they can simply access Popmoney through Online Banking. If their bank or credit union does not offer Popmoney, they can pick up the funds just as easily at Popmoney.com**.

  The money will move from your Gateway Bank account to theirs—without having to exchange financial account information with each other.

  If you are owed money, you can request it from someone using their email address or mobile number. When someone sends you money through Popmoney, it will be deposited directly into the Gateway Bank checking or savings account that you've designated as your primary account.

  View our online demo

• What can I use Popmoney for?

  Use Popmoney to pay and get paid for all sorts of things*. Some examples include:

  • Give a gift to family and friends
  • Collect rent from tenants or roommates
  • Request money for club dues, your sports team or a group vacation
  • Pay your dog walker or lawn care service
  • Send money to your child at college
  • Pay back friends for a fun outing, like a dinner or concert

• How much does it cost to use Popmoney?

  A fee of [fee] is charged each time you send or request money and it is collected by the recipient. There's no cost to pick up a payment.

• How does a non-Gateway Bank customer receive money?

  A large network of banks offer Popmoney, but if the recipient's bank is not a part of the network they can still sign up at Popmoney.com**. Almost anybody with a bank account can sign up*.

• Is Popmoney secure?

  From the moment information is sent to the Popmoney personal payment service, throughout the entire transaction process, it is kept highly secure using industry-leading technology. Popmoney uses one-time verification codes that are sent to the mobile number or email address where the payment notification was sent to prevent an unauthorized person from fraudulently depositing someone else's payment.

• When will the recipient receive the funds?

  The delivery speed will be displayed when you schedule the payment. It could take additional time if your contact has not enrolled in Popmoney or will have to log in and accept the payment.

  If you are sending the payment notification through email and your contact wants to collect the funds into a bank account; s/he must provide his/her bank account information by 10 p.m. Pacific Time in order to receive the funds the next business day.

• When will funds be deducted from my account?

  If you schedule a payment before 5 p.m. Pacific Time on a business day, the funds will be debited the same day. You should see the transaction in your account activity the following day. If you schedule a payment after 5 p.m. Pacific Time or on a non-business day, the funds will be debited from your account the next business day.

• Will my personal information be shared with the people I send money to?

  In order to process your transactions, we may share a small amount of personal information about you with the receiver identified in your payment instructions, including your name, email address, telephone number and anything you type into the message field. Your bank account number will not be shared. However, the Popmoney personal payment service Terms of Use requires a person who receives information about another person through the service to keep the information confidential and only use it in connection with the service.

• What are the different ways I can send money to someone?

  You can send money using a recipient's:

  • Email address: your recipient will receive an email with instructions on how to direct the payment into his or her bank account*.
  • Mobile number: a text message will be sent to the recipient with instructions on how to direct the payment into his or her bank account*.
  • Bank account* information (routing and account number): money will be deposited directly into your recipient's bank account*. You will also have the option to send the recipient an email.

• Is Popmoney available outside of the United States?

  Currently, Popmoney is only available for use between bank accounts* and registered users residing in the United States, as well as for military personnel with an APO address. Payments can take up to 3 business days, or can arrive as early as the next business day.