Payment processing for Canadian high-risk businesses.

Looking for a high-risk payment processor in Canada? We give high-risk businesses Interac e-Transfer pay-ins and payouts, EFT and same-day wires in one payment wallet, priced per transaction. Send up to $25,000 per transfer, with no daily limit.

Talk to our team

Pay-ins

Secure e-Transfer3 waiting

Incoming e-Transfer$250.00

ClaimRejectNot recognised

Incoming e-Transfer$120.00

Incoming e-Transfer$300.00

In your wallet

Interac e-Transfers receivedDeposited

9:12 am$200.00

9:40 am$150.00

10:05 am$300.00

10:31 am$100.00

Payouts

Bulk e-Transfer sentSent

$48,600.0036 payouts

EFT sentSent

$30,000.00To a supplier

Example amounts. Customers pay within their own bank's limits; you send up to $25,000 per transfer, with no daily limit.

e-Transfer pay-ins and payouts

Built for high-risk industries

$1.95 + 0.20% per transaction

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

Why high-risk businesses struggle with regular providers

You run a legal business with a real product. Regular banks and payment providers still make it hard to take a payment.

They don't really serve your industry

Most banks and processors are built for low-risk retail. High-risk businesses get declined at the first look, or cut off soon after payments start.

Endless compliance questions

When they do take a look, you're dragged through round after round of compliance questions. Months can pass before you get a clear answer.

Huge fees

If the answer is yes, high-risk premium pricing follows: big setup costs, high monthly fees and a large cut of every sale. That money comes straight out of your margin.

You need a provider that serves high-risk industries

Invincible Pay is that provider. We work with underserved industries that have good procedures and a good product in place. You get Interac e-Transfer pay-ins and payouts, EFT and same-day wires, priced per transaction, with an account manager who knows your business.

Talk to our team Payments for iGaming operators

Your account managerAvailable

Sets up your flow of funds with you

Interac e-Transfer receivedDeposited

$180.00Auto-deposit

What high-risk processing costs per transaction

You pay $1.95 + 0.20% per transaction. Say you process $60,000 a month by credit card at a typical high-risk rate of 5.9%: that's $3,540 in credit card processing fees.

Process the same $60,000 by Interac e-Transfer with us instead, as 300 payments of $200. At $1.95 + 0.20% each, that's $705: a saving of $2,835 every month.

Fees on $60,000 in one monthExample

Credit card processing at 5.9%$3,540.00

300 e-Transfers with us at $1.95 + 0.20%$705.00

What you save in one month$2,835.00

An example, not a quote. 5.9% is a typical credit card rate for high-risk processing, not any one provider's. Your fees with us depend on how many payments you take and how big they are.

What we'll ask for, and how long it takes

We accept high-risk industries. We'll just want to check what industry you're in, what your product is, how you work with your customers, your expected flow of funds, and your previous processing history, including chargeback rates.

Talk to our team

What we'll ask for

Your industry, and where you sell
Your product, and what your customers pay for
How you work with your customers: how they sign up, pay and reach you
Your expected flow of funds: what comes in, what goes out, and roughly how much each month
Your previous processing history, including chargeback rates
Who owns and runs the business: directors, officers and anyone owning 25% or more verify their identity online

1About 20 minutes

Apply online

Tell us what your business does and how money moves through it.

2Usually within 3 business days

Get approved

Our compliance team reviews your file and tells you if anything is missing.

3Within 5 business days

Start processing

Your wallet and deposit details are live, and your first payments can move.

See how we compare for high-risk businesses

	Invincible Pay	Other PSPs, typically	A typical bank
High-risk industries	Accepted. We serve them	Make it difficult	Freezes your account and your funds
Getting approved	Usually within 3 business days	Endless compliance questions	Not even attempted
Limits	$25,000 per e-Transfer, no daily limit	Limits put on you	Around $10,000 per e-Transfer
Pricing	$1.95 + 0.20% per transaction	High-risk premium pricing	-
Rails	e-Transfer, EFT, same-day wires and API	e-Transfer and EFT, sometimes more	e-Transfer and EFT

Our figures are for high-risk accounts; wires: reach out for pricing. Other PSP and bank figures are typical of the market, not any one provider's.

See all our pricing

Questions high-risk businesses ask, answered plainly

Yes. We process Interac e-Transfer pay-ins and payouts, EFT and wires for Canadian high-risk businesses. We're 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.

We accept high-risk industries, but we don't publish a list. Tell us your industry and your product, and we'll tell you what we'd need to check. Reach out to learn more: we reply within 24 hours on business days. iGaming operators have their own page.

Not for cards: we don't process card payments. Your customers pay you by Interac e-Transfer into your payment wallet, and you pay out by e-Transfer, EFT or wire, all priced per transaction.

Yes, for Interac e-Transfer. With e-Transfer checkout, customers pay from your website, and with e-Transfer requests they pay from an invoice. Each payment lands in your wallet. See e-Transfer checkout.

Yes. Your customers pay you by Interac e-Transfer within their own bank's limits, and each payment lands in your wallet. Use Secure e-Transfer to protect yourself against fraud: each payment waits until you claim it, reject it or mark it as not recognised. You send up to $25,000 per transfer, with no daily limit.

$1.95 + 0.20% per transaction, so a $200 e-Transfer costs $2.35. For wires, reach out for pricing. See all pricing.

Apply in about 20 minutes. You usually get a decision within 3 business days, and you can process payments within 5, once we have your documents.

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.

Let's get your payments moving

Tell us about your industry and your product. We reply within 24 hours on business days.

Talk to our team