Payments for Canadian freelancers.

Freelancer payments by Interac e-Transfer request: send one with each invoice, and your client's payment usually lands in your wallet within minutes. Pay subcontractors up to $25,000 per transfer, with no daily limit.

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A freelancer on a phone call at his desk at home, with his dog beside him

You did the work. Where's the money?

Invoice 312Due Oct 30

Brand design, October$2,000.00

Total$2,000.00

Oct 14Request sent
Oct 16Paid

e-Transfer requests on your invoices

Client payments usually in minutes

Bigger invoices paid by EFT

FINTRAC MSB C100000702Bank of Canada PSP registryWe reply within 24 hours on business days

Why freelancers wait to get paid

The invoice sits in your client's inbox

You email a PDF and wait. Weeks later, after a few reminders, a cheque turns up.

Credit card payments cost you

Let clients pay by credit card and a typical 2.9% of every invoice goes to fees. On a month of big invoices, that adds up fast.

Send an e-Transfer request with every invoice

Your client gets the amount and your invoice number, and pays in their own banking app. Each request shows as waiting until it's paid, so you know who to follow up with.

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e-Transfer requestsOctober

Invoice 316$1,800.00Waiting

Invoice 315$950.00Waiting

Invoice 314$2,400.00Paid

Invoice 313$1,250.00Paid

Paid this month2 of 4 paid

$3,650.00By e-Transfer request

Keep more of every invoice

A typical credit card rate is 2.9% of the invoice. An e-Transfer request costs $1.95 + 0.20%, so on a $1,500 invoice you keep $38.55 more.

On small invoices, under about $72, a credit card costs less. There's no monthly fee, and the fee is the same for every client.

See all our pricing Interac e-Transfer for business

Invoice 317 · $1,500.00What you keep

Paid by credit card, at a typical 2.9%$1,456.50after a $43.50 fee

Paid by e-Transfer request$1,495.05after a $4.95 fee

Once the money's in, move it where it needs to go

Bigger invoices can come in by EFT, and money goes out to the people who helped on the job, or to you.

Bigger invoices, paid by EFT

Your client's bank caps what they can send by e-Transfer. For a $6,500 project, they pay by EFT to your wallet's own deposit details instead.

It typically reaches your wallet in 1 business day.

EFT receivedDeposited

$6,500.00Invoice 318

Pay subcontractors

Pay the developer or illustrator who helped on a project by Interac e-Transfer, up to $25,000 per transfer.

It usually arrives within minutes, so nobody waits on you the way you used to wait on clients.

e-Transfer sentSent

$1,800.00To a subcontractor

Pay yourself

Move money from your wallet to your own bank by EFT whenever you need to.

Your bank typically has it in 1 business day.

EFT sentSent

$4,200.00To your own bank

Once you hire a team, payments for small businesses covers payroll. More on EFT and direct deposit.

From application to your first paid invoice

1About 20 minutes

Apply online

Tell us about the work you do, who your clients are and how they pay you today.

2Usually within 3 business days

Get approved

We read through your application and let you know if we need anything else.

3Within 5 business days

Send your first request

Your wallet is live, so your next invoice can go out with a request to pay.

Talk to our team Open a wallet

What freelancers ask us about getting paid

Send your client an Interac e-Transfer request with your invoice. They accept it in their own banking app, and the money lands in your wallet, usually within minutes. Clients who prefer EFT can pay to your wallet's own deposit details. How Interac e-Transfer works.

There's no monthly fee, and each payment costs $1.95 + 0.20%. On a $900 invoice that's $3.75. At a typical credit card rate of 2.9%, the same invoice would cost $26.10. On invoices under about $72, a credit card costs less. See all our pricing.

Your wallet receives without limits, but each client pays within their own bank's e-Transfer limit. For a bigger invoice, they can pay by EFT to your wallet's deposit details, typically in 1 business day, or pay it in parts.

No. Your e-Transfer request reaches them like any other Interac e-Transfer request, and they pay it from their own banking app. Nothing changes for them.

Yes. Send a subcontractor an Interac e-Transfer, up to $25,000 per transfer with no daily limit, or pay them by EFT, which typically takes 1 business day.

Add your own bank as a beneficiary in your wallet, then send yourself an EFT. It typically takes 1 business day.

No. Your wallet sits beside your bank, and you move money between them by EFT. We're a payments company, 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.

Get paid for your work

Tell us what you invoice and who you pay. We reply within 24 hours on business days.

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