Your Bank Said No. We Say Go.

Invincible Pay is a licensed payment platform - FINTRAC registered and regulated by the Bank of Canada - which means it operates under a different framework than a retail bank account. Through the Invincible Wallet, individuals can send up to $25,000 per transfer with no daily caps, no weekly caps, and no branch visit required. The entire process happens online.

Invincible Pay protects every transfer with 256-bit encryption, AI-powered fraud detection, and real-time transaction monitoring. Customer funds are held in Schedule 1 Canadian bank accounts - the same institutions that back the country’s largest financial institutions. The platform is FINTRAC registered and Bank of Canada regulated, so every transaction meets national anti-money-laundering and compliance standards.

Most individuals complete sign-up, digital identity verification, and wallet funding within minutes. There are no appointments, no mailed documents, and no branch visits. Once the wallet is funded via Interac e-transfer or direct deposit, the first payment can go out the same session. Same-day setup and same-day sending is the norm, not the exception.

Invincible Pay uses transparent per-transaction pricing with no monthly fees, no account minimums, and no hidden charges. Individuals only pay when they send. For large transfers - a car purchase, a condo deposit, a contractor payment - the cost is typically a fraction of what a bank wire would charge for the same amount. See exact pricing here.

Recipients don’t need an Invincible Pay account. When a payment is sent through the platform, the recipient receives a standard Interac e-transfer notification and deposits it into whatever Canadian bank account they already have - TD, RBC, Scotiabank, or any other Schedule 1 institution. The sender uses Invincible Pay; the receiver uses their existing bank. No app download required on their end.