A payment system executes payments from payers to vendors. An unattended interface system automates the uploading of payments file from each payer to the system. A web services transfer server performs the unattended transfer. Steps of a payment server generating an electronic funds transfer file with a group of fund transfer records for each payment represented by a record of the payment file. After the electronic funds transfer file is complete, the steps further comprise transferring the electronic fund transfer file to an electronic payment network for execution. Remittance records are transferred to the vendor utilizing an unattended transfer executed by the web services transfer server.