You do mean CFE don’t you? I’m sure you can pay it monthly, but this is billed annually and is usually only a few hundred euros, most people pay it as a one off payment in December.
How do you pay? If you declare and pay online, you pay all your dues in one payment and your bank statement will show that URSSAF has debited the amount. This payment includes health cotisations, pension contributions dependent on earnings, training contribution, and income tax PAYG if you opted to pay that. Presumably URSSAF distribute all the different elements that go to make up your “cotisations” to the appropriate organisations each month, but you don’t need to worry about that, all you need to do is declare your turnover and pay URSSAF the full amount (ie if you’re prof lib, around 24 / 25% of turnover).
CIPAV is the pension fund for professions libérales. If you’ve been paying your normal cotisation, your pension contribution will have automatically been included as part of the 24 / 25% total cotisations that you have been paying. CIPAV should have received this from URSSAF.
Who is “They” that told you this?
Can’t really comment on exactly CIPAV are telling you without seeing the wording.
RAM is health insurance. This is the lion’s share of your cotisations. URSSAF will have been passing this to RAM.
I don’t think RSI really comes into the equation for professions libérales.
Do you declare online, via the netentreprises portal? If so, you can look back at the records of all the payments you have made, startubg from when you first set up the business right up to the present. That might clarify things a bit.
Hope this helps.