Talk to our teamLogin
For Individuals

Your Bank Said No. We Say Go.

You found a car for $18,000. A condo deposit is due Friday. Your contractor needs $12,000 to start. Your bank wants you to split it into six transfers over three days. We think that's absurd.

Open Your Wallet Free
The Problem

You Earn It. They Restrict It.

Many Canadian banks cap personal e-Transfers at a few thousand dollars a day. Need to send more? You're told to visit a branch, pay wire fees or wait days. It's your money.

Situations You've Probably Been In

You're standing in a seller's driveway, phone in hand, trying to explain why you can only send $3,000 right now and the rest "tomorrow." Or you're on hold with your bank asking them to raise a limit they shouldn't have set in the first place.

  • Send the full amount, up to $25,000 in one Interac e-Transfer
  • No daily limit
  • Payments usually arrive within minutes
  • No branch visits
  • Funds safeguarded under the Retail Payment Activities Act
$25K
Max Per Transfer
No
Daily Limit
Minutes
Usual Arrival Time
FINTRAC
Registered MSB

Open a free wallet. Apply in about 20 minutes.

Get Started Free
Three Steps

Sign Up, Fund Your Wallet and Send

Apply online in about 20 minutes, with no appointments. We approve accounts within 3 business days. Then load your Invincible Wallet by Interac e-Transfer or direct deposit and send up to $25,000 per e-Transfer.

Approved in 3 Business Days Fund by e-Transfer No Daily Limit Track Everything
See Everything the Platform Can Do

People Use This For

Buying a car or truckCondo deposits & rentPaying contractorsSending money to familyWedding & event paymentsTuition & school feesHome renovationsPrivate sales & marketplace
FAQ

How Invincible Pay Works for Individuals

Invincible Pay is 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. Through the Invincible Wallet, individuals can send up to $25,000 per Interac e-Transfer, with no daily limit and no branch visit. The whole process happens online.

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. Every account is monitored under our FINTRAC compliance program, and incoming payments can wait in a Secure e-Transfer inbox until you claim them.

Apply in about 20 minutes. Approved within 3 business days. Processing payments within 5, once we have your documents. There are no appointments and no branch visits. Once you're approved, fund the wallet by Interac e-Transfer or direct deposit and send your first payment.

Individuals pay $0 a month and $1.95 + 0.20% per transaction. On an $18,000 car purchase, that is $37.95. See exact pricing here.

Recipients don’t need an Invincible Pay account. They get a standard Interac e-Transfer notification and deposit the money at their own bank. The sender uses Invincible Pay, and the receiver needs no app download.

Done Asking Your Bank for Permission?

Apply in about 20 minutes. Send up to $25,000 per Interac e-Transfer, with no daily limit.

Talk to our team
Talk to our team