Invincible Pay now supports automated payroll and recurring payments directly from the Invincible Wallet. Businesses can schedule batch payroll runs, set up recurring vendor payments, and automate disbursements on any cycle they choose, all through the platform dashboard or the fully open REST API that gives you complete control over how your money moves.
Paying employees and suppliers on time, every time, is one of the most important responsibilities a business has. It is also one of the most tedious. For Canadian small businesses, construction companies, restaurant groups, and fast-growing startups, manual payroll processing drains hours each pay period, introduces errors, and creates friction that should not exist in 2026.
That is why we built automated payroll and recurring payments into the Invincible Pay platform. Whether you run payroll for 5 employees or 500, and whether you pay suppliers on a weekly, biweekly, or monthly schedule, you can now set it and let the platform handle the rest. And if you want to go further, our API gives you the tools to build payment workflows that work exactly the way your business needs them to.
What Does the New Automated Payroll Feature Include?
The update brings three core capabilities into the Invincible Wallet ecosystem.
Scheduled batch payroll. Upload a payment file or create a recipient list in the dashboard. Set a pay schedule (weekly, biweekly, semimonthly, or monthly), pick a start date, and payroll runs automatically on every cycle. Payments can be processed via EFT direct deposit or Interac e-Transfer, whichever works better for your team.
Recurring vendor and supplier payments. Set up ongoing payments to suppliers, landlords, service providers, or any other recurring payee. Choose a fixed amount or update the amount before each cycle. Attach a payment link to your invoices so clients pay you on a recurring basis too. Payments execute on your chosen schedule without manual intervention.
Full API access to everything. This is the part that changes the game. Every single feature available in the dashboard is also available through the Invincible Pay REST API. That means you are not limited to clicking buttons in a portal. You can program your payments however you want, connect them directly to your accounting software, and build automated workflows that match exactly how your business operates. More on this below, because it deserves its own section.
Why Pay Employees by e-Transfer Instead of Direct Deposit?
Here is something most business owners do not realize: you can run payroll through Interac e-Transfer, and in many cases it is faster than traditional direct deposit.
Standard EFT direct deposits in Canada typically take one to two business days to land in an employee's bank account. That is fine for most situations, but it means if you process payroll on Friday morning, some employees might not see the funds until Monday or even Tuesday.
Interac e-Transfers through Invincible Pay are near-instant. Process payroll Friday morning and your team has the money in their accounts before lunch. For hourly workers, contractors, and anyone living paycheque to paycheque, that speed makes a real difference.
With Invincible Pay, you can send e-Transfers up to $25,000 per transaction with no daily limits. That means you can pay a contractor $22,000 for a renovation project in a single payment, or run payroll for your entire crew without worrying about transaction caps. Most banks limit e-Transfers to $3,000 per transaction, which makes payroll by e-Transfer impractical. On Invincible Pay, it just works.
You also have the flexibility to mix and match. Pay salaried employees via direct deposit on a biweekly schedule, and pay your hourly contractors via e-Transfer every Friday for instant access to their funds. The platform lets you choose the payment method per recipient, so you can optimize for speed or cost depending on the situation.
Your Payments, Your Way: The Full Power of the API
Most payment platforms give you a dashboard with a few buttons and call it automation. Invincible Pay gives you that dashboard, but also hands you the keys to the entire system.
One Platform. Every Payment Tool.
E-Transfers, EFT, wire transfers, payment links. See it all in action.
The Invincible Pay REST API is fully open and gives you access to every payment capability on the platform. In plain terms, that means you can write a simple set of instructions that tells the platform exactly what to do with your money, and it will do it automatically, on your schedule, with your rules.
Here is what that looks like in practice.
Connect directly to your accounting software. If you use QuickBooks, Xero, FreshBooks, or any other accounting platform, you can connect Invincible Pay so that when an invoice is marked as paid, the payment is triggered automatically. When a bill comes due, the funds go out without anyone clicking a button. Your books and your bank stay in sync.
Attach recurring payment links to your invoices. Generate a payment link through the API and embed it directly in the invoices you send to clients. They click, they pay via Interac e-Transfer, and the funds land in your Invincible Wallet. Set it up once, and every invoice you send includes a one-click payment option that saves you from chasing payments.
Automate e-Transfer payroll on your own terms. Build a payroll workflow that pulls hours from your time-tracking system, calculates pay, and sends e-Transfers to your team automatically. No manual uploads, no CSV files, no dashboard clicks. The API handles it end to end.
Schedule any payment for any reason. Rent, insurance premiums, subscription fees, membership dues, supplier invoices. If it is a recurring payment, you can automate it through the API with a frequency and amount that you define.
Trigger payments based on events. Pay a freelancer automatically when a project is marked complete in your project management tool. Send a deposit to a supplier when a purchase order is approved. The API supports webhooks, which means your other business tools can talk to Invincible Pay and trigger payments based on real events in your workflow.
You Do Not Need to Be a Developer
Here is the part that surprises most business owners: building with an API in 2026 is not what it used to be.
With AI tools like ChatGPT and Claude, you can describe what you want in plain English and get working code that connects your systems to the Invincible Pay API. "I want to automatically send an e-Transfer to my contractor every Friday for $2,500" is a prompt that AI can turn into a working integration in minutes, not weeks.
You do not need to hire a developer. You do not need to learn to code. You just need to describe the payment workflow you want, and modern AI tools can help you build it.
And if you would rather not do it yourself, our technical team is here to help. We will walk you through the integration, help you set up your first automated workflow, and make sure everything runs smoothly. That support is part of the platform, not an upsell.
The point is this: Invincible Pay does not limit you to what buttons we put on a screen. You have the full capabilities of the platform at your fingertips, and the support to use them however your business needs.
Who Is This For?
The automated payroll and recurring payment feature is designed for several audiences.
Small and mid-sized businesses running regular payroll cycles. If you have employees on salary, hourly contractors paid weekly, or a mix of both, the scheduling feature eliminates the manual effort of initiating payments every pay period. Choose e-Transfer for instant delivery or direct deposit for traditional processing.
Construction and trades companies paying crews across multiple job sites. Upload a single batch file and pay everyone at once, or connect your time-tracking tool through the API and automate the entire flow. Send payments via e-Transfer so your crew gets paid the same day, not two business days later.
Restaurant and hospitality groups with multiple locations, tip-outs, and dozens of supplier invoices per month. Automate the supplier payments, attach payment links to your invoices, and let the platform handle the timing.
Fintechs and platforms building payroll or disbursement features into their own products. Use the API to offer your end users scheduled payouts without building payment infrastructure from scratch. Invincible Pay's white-label capabilities mean your users never need to know who powers the payments behind the scenes.
Freelancers and solo operators tired of chasing invoices. Embed a payment link in every invoice you send. Set up recurring billing for retainer clients. Get paid faster with e-Transfer instead of waiting for cheques or bank transfers.
Crypto and high-risk businesses that need reliable, recurring fiat disbursements. With a 98% approval rate for high-risk accounts, Invincible Pay provides stable processing where other providers create uncertainty.
What Makes This Different?
Traditional payroll software in Canada typically bundles payment processing with tax calculation, benefits administration, and HR management. That makes sense for some businesses, but it also means you are paying for (and locked into) a full suite when you might only need the payment execution layer.
Invincible Pay takes a different approach. The automated payroll feature handles the money movement, and it does that exceptionally well. You keep your existing accounting software, your tax preparer, and your HR tools. You connect the payment step to Invincible Pay, either through the dashboard or the API, and everything else stays exactly where it is.
The underlying infrastructure matters too. All funds are safeguarded at Schedule 1 Canadian banks. The platform is FINTRAC-registered and regulated by the Bank of Canada under the Retail Payment Activities Act. Every transaction is protected by 256-bit encryption and monitored by 24/7 AI-powered fraud detection. Automated does not mean unprotected.
How Do I Get Started?
If you already have an Invincible Wallet, the automated payroll and recurring payment features are available now in your dashboard. Log in, navigate to the scheduling section, and set up your first automated run.
If you are new to Invincible Pay, onboarding takes about five minutes. Create your account, complete the digital identity verification (most accounts are approved within 24 to 48 hours), and you will have access to the full platform, including the new payroll automation tools and the complete API.
For businesses looking to build custom integrations, our developer documentation covers every endpoint, and our technical team is standing by to help you get connected. Whether you want to build it yourself with AI tools or have us guide you through it, we will make sure your first automated payment goes out smoothly.
Ready to take full control of your payments? Open your Invincible Wallet in minutes or talk to our team about building your custom workflow.
Frequently Asked Questions
Can I run payroll via Interac e-Transfer instead of direct deposit?
Yes. Invincible Pay supports both EFT direct deposit and Interac e-Transfer for payroll. e-Transfers are near-instant, so your employees can receive funds the same day you process payroll. You can also mix methods, using direct deposit for some recipients and e-Transfer for others.
Do I need a developer to use the API?
No. With today's AI tools like ChatGPT and Claude, you can describe your desired payment workflow in plain English and generate the code to connect your systems to the Invincible Pay API. Our technical team is also available to walk you through setup and help you build your first integration at no extra cost.
Can I attach payment links to my invoices for recurring billing?
Yes. You can generate payment links through the API or dashboard and embed them in the invoices you send to clients. Clients click the link and pay via Interac e-Transfer, with funds landing directly in your Invincible Wallet. This works for one-time invoices and recurring billing setups.
What happens if my wallet balance is insufficient on a scheduled payment date?
The platform checks your Invincible Wallet balance before processing. If the balance is insufficient, the scheduled run is paused and you receive an immediate notification. Once you add funds, you can manually trigger the run or wait for the next scheduled date.
Is there a limit on how many recipients I can include in an automated payroll batch?
The platform supports batch payments to hundreds of recipients in a single scheduled run. Whether you have 5 employees or 500, the batch processes the same way. For very large batches, contact our team to discuss optimized processing.