Paying Your Bill

All student billing is managed electronically through the eBilling system. You will not receive a paper bill.

An electronic account statement (eBill) is generated monthly throughout the year, detailing the charges and credits for that billing period and indicating the amount currently due and payable. Monthly eBills are delivered electronically through our eBill & ePay system - see the eBilling page for more information.


Payments can be made electronically through the eBill & ePay system which can be accessed by students through Murphy Online or OneStThomas and by Authorized Users who have been set up by the student in the TouchNet eBill & ePay system through the Authorized User login page.

Paper checks and 529 plan payments can also be mailed to or dropped off at the Business Office.

St. Thomas refunds credit balances in student accounts exclusively through electronic funds transfers (eRefunds) using the Touchnet eBilling and ePay system.

ACH Pre-note

Effective January 20, 2022, if you are using a newly set-up ePayment or eRefund profile for online payment or refunds, your account will be subject to a pre-note verification process. The verification may take up to seven days to process and you will not be able to use the account for making ePayments or receiving an eRefund until the pre-note process is complete and the account information verified.

Some important items to note regarding the new process:

  • The pre-note process will only impact the first-time use of newly set-up ePayment or eRefund accounts. Checking or savings accounts already in use and saved as a payment method or profile in the system will not need to be reverified through the pre-note process.
  • During the pre-note period, which can take up to seven days, the ePayment or eRefund profile will not be available for use. Be sure to allow extra time the first time you will be using a new checking or savings account as a “saved payment method” for making an ePayment or setting up an eRefund profile.

Why the Pre-note Process Was Implemented

To help mitigate risks associated with electronic payments, The National Automated Clearing House Association (NACHA) has updated the NACHA Operating Rules to include account validation as a required measure of the commercially reasonable fraudulent transaction detection system used by the University to keep ACH transactions secure. To ensure compliance with the new rule, the University is implementing an ACH pre-note account verification process for ACH ePayments (electronic check payments) and ACH eRefunds (direct deposit refunds.)

How the Pre-note Process Works

The ACH pre-note process allows the University to confirm with the bank that checking or savings accounts are valid and active accounts prior to making monetary transactions. After a student or Authorized User has saved a payment profile with a new checking or savings account, a zero-dollar transaction is sent to the bank; the bank should then respond during the pre-note period with a code indicating whether or not the account has been verified as active. Once the verification period has passed without issue, the saved ePayment or eRefund profile can be used for future transactions.