Two years of clean transactions. Full KYC on every user. Not a single chargeback. Then a letter arrives: "We've decided to end our banking relationship. You have 30 days." No reason. No appeal. The fiat on-ramp goes dark, deposits start failing, and users are on Reddit asking if the exchange is insolvent. It's not. It just picked the wrong payment partner. Most crypto companies have been through this more than once.
The exchange is built. Compliance is solid. Users are ready. But traditional banks still won't touch crypto companies, and most payment partners are one nervous compliance officer away from pulling the plug.
Most payment platforms' terms exclude crypto, so applications are refused on sight. A bank lets an exchange operate for 18 months, then sends a form letter closing the account with zero explanation and a 30-day deadline. A payment partner's compliance team flags a routine transaction on a Friday afternoon, freezes processing, and doesn't respond until Tuesday. An exchange loses 400 users to a competitor because its fiat on-ramp was down for the third time in three months. Investors start asking why there's a working product with no reliable way to move CAD in and out of it.
Move your CAD rails to Invincible Pay. Apply in about 20 minutes and get a decision within 3 business days.
Start OnboardingCrypto companies connect their exchange, OTC desk or Bitcoin ATM business to Canadian payment rails built for crypto from the start. Invincible Pay provides API access for deposits and withdrawals, and crypto on- and off-ramp directly from your wallet. Our onboarding team tells you up front which documents we need, and a person picks up the phone when something needs attention.
Invincible Pay provides a payment API for CAD deposits and withdrawals. Crypto exchanges connect once, and their users fund accounts or withdraw by Interac e-Transfer and EFT: up to $25,000 per e-Transfer with no daily limit, and EFT in 1 to 2 business days. You can also use crypto on- and off-ramp directly from your wallet. The API is documented.
Most payment platforms’ terms exclude crypto. Invincible Pay was built with crypto as a core segment. Our compliance team understands virtual currency rules, the KYB process is designed for crypto business structures, and we explain onboarding up front so there are no surprises later. Crypto companies are not a risk category here. They are a primary customer.
Apply in about 20 minutes. Approved within 3 business days. Processing payments within 5, once we have your documents. Crypto businesses go through enhanced due diligence (EDD), a closer review of your compliance program, and our onboarding team tells you up front what we need.
Yes. Our API lets you build the deposit and withdrawal flow into your own platform, so your users stay in your product while the CAD moves by Interac e-Transfer and EFT behind the scenes. Talk to the team about your deposit flow.
Invincible Pay is registered with FINTRAC as a money services business (C100000702), including virtual currency services. During onboarding, our compliance team walks each company through what we need from them, including their own FINTRAC registration where it applies. Transaction monitoring, KYC and KYB checks and suspicious transaction reporting are part of our compliance program, and we give clear guidance instead of vague referrals to a lawyer.
Interac e-Transfer, EFT, wires and crypto on- and off-ramp, with a team that understands virtual currency businesses. We reply within 24 hours on business days.
Talk to our team