Payment rails for Canadian MSBs
Interac e-Transfer, EFT, wires and crypto on- and off-ramps for money services, crypto and high-risk businesses. Accounts for everyday businesses and individuals too.
Get StartedBanking was built for yesterday.
You need something better.
Most payment platforms' terms exclude MSBs and crypto. We were built for them, with accounts for everyday businesses and individuals too.
No Daily Limit
Send or receive up to $25,000 per Interac e-Transfer, with no daily limit. Payments usually arrive within minutes.
Every Rail in One Account
Interac e-Transfer, EFT, wires and crypto on- and off-ramps, managed in one account and through one API.
API-First Platform
Send and receive Interac e-Transfer, EFT and wires from your own systems through our REST API.
Invincible Wallet- Open your banking app and start an Interac e-Transfer
- Set the recipient to deposit@invinciblepay.com
- Include your reference INV-00A1B2C3 in the message field
- Send up to $25,000 and the funds usually arrive within minutes
One wallet for every payment rail.
The Invincible Wallet holds your funds and moves them by Interac e-Transfer, EFT, wire or crypto on- and off-ramp. Every transaction is logged with the date, amount, sender and reference.
Accept Interac e-Transfer payments at checkout.
Give your customers a way to pay online with Interac e-Transfer instead of credit or debit cards. A checkout window guides them through the payment, Invincible Pay processes it, and the money usually lands in your wallet within minutes.
- Customers pay by Interac e-Transfer, with no card needed
- Payments usually land in your wallet within minutes
- Up to $25,000 per payment, with no daily limit
- Connect through our API, and we help you set it up
Your e-Transfer of $56.50 has been verified and received in Wildrose & Co's wallet.
Order BQET · Wildrose & Co Florals
Explore Partnership Opportunities
Referral agreements for consultancies, compliance advisers and payment businesses that work with MSBs.
A dashboard that works as hard as you do
See your balance and every transaction in one dashboard, across Interac e-Transfer, EFT, wires and crypto.
Run payroll, pay contractors and collect from customers from the same screen.
Talk to our team
Connect through our REST API
Send Interac e-Transfers, manage recipients and check your account from your own systems. The docs are public, so your developers can start reading today.
const res = await fetch("/v1/beneficiaries", { method: "POST", headers: { "Authorization": `Bearer ${API_KEY}`, "Content-Type": "application/json" }, body: JSON.stringify({ name: "Jane Smith", email: "jane@company.ca" }) });
How your money is protected
We are registered with FINTRAC and the Bank of Canada, and your funds are safeguarded under the Retail Payment Activities Act.
FINTRAC & Bank of Canada
Registered with FINTRAC as a money services business (C100000702) and with the Bank of Canada as a payment service provider under the Retail Payment Activities Act.
Safeguarded Funds
Your funds are safeguarded under the Retail Payment Activities Act: kept separate from our own money, in a dedicated account covered by insurance, as the Act requires.
Secure e-Transfer
Each incoming e-Transfer waits in a secure inbox, so you can claim it, reject it or mark it as not recognised.
Transaction Monitoring
Every account is monitored under our FINTRAC compliance program, with closer review for higher-risk accounts.
Who we work with
Money services, crypto and high-risk businesses come first. Everyday businesses, freelancers and individuals get the same rails and the same simple pricing.
Individuals
Freelancers
Small Business
Fintechs & MSBs
Crypto
High Risk
Send Large Payments in One Go
Send up to $25,000 per Interac e-Transfer, with no daily limit. Buy that car, pay rent or send money to family in one payment.
See how it worksGet Paid Without Chasing Invoices
Payment links, low fees and every payment logged in one dashboard. Clients pay by Interac e-Transfer, and the money usually arrives within minutes.
See how it worksStop Losing Profits to Credit Card Fees
Let customers pay by Interac e-Transfer at checkout. Payments usually land in your wallet within minutes. Pay suppliers and run payroll from the same wallet.
See how it worksPayment Rails for MSBs and Fintechs
Interac e-Transfer, EFT and wires through one API, from a payments company registered with FINTRAC and the Bank of Canada. Built for MSBs, PSPs and payment fintechs.
See how it worksCAD Rails When Banks Say No
CAD in and out for exchanges, OTC desks and Bitcoin ATM operators: Interac e-Transfer, EFT, wires and crypto on- and off-ramp directly from your wallet.
See how it worksSolutions When Others Turn You Away
Interac e-Transfer pay-ins and payouts, EFT and wires for businesses other providers turn down. We review your compliance program, not just your category.
See how it worksCommon questions
Invincible Pay is a payments company registered with FINTRAC and the Bank of Canada. You get Interac e-Transfer, EFT, wires and crypto on- and off-ramps in one payment wallet, with up to $25,000 per Interac e-Transfer and no daily limit. We reply within 24 hours on business days. Monday to Friday, 9am to 6pm MT.
Yes. Invincible Pay is registered with FINTRAC as a money services business (C100000702) and with the Bank of Canada as a payment service provider under the Retail Payment Activities Act. Your funds are safeguarded under the Retail Payment Activities Act: kept separate from our own money, in a dedicated account covered by insurance, as the Act requires.
Your wallet gives you Interac e-Transfer (send, receive, request money, payment links, e-Transfer checkout, auto-deposit, Secure e-Transfer and Bulk e-Transfer), EFT and direct deposit, wires, and crypto on- and off-ramp directly from your wallet. You can also connect through our API.
Yes. Use bulk direct deposit by EFT to run payroll and pay contractors, Bulk e-Transfer to pay many people at once, and request money to collect from clients. EFT and direct deposit take 1 to 2 business days.
Apply in about 20 minutes. Approved within 3 business days. Processing payments within 5, once we have your documents. Our onboarding team tells you up front what we need from you.
Get your payment rails set up
Tell us what you need. We reply within 24 hours on business days. Monday to Friday, 9am to 6pm MT.
Talk to our team