Referral programme for MSB consultants and lawyers.

Our MSB referral partner programme pays you 15% of our net revenue from each money services business you refer. Your clients are usually approved within 3 business days, and we never sell compliance services.

Talk to our team How referrals work

Earn 15% of net revenue

Usually approved within 3 business days

We never sell compliance services

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

The referral partner programme explainer: introduce a client and turn the referral into ongoing income

After registration, your clients still need payment rails

You've registered a money services business with FINTRAC and helped write its compliance program. Before it can serve customers, it needs a way to collect and send Canadian dollars.

The bank says no, and your client calls you
Many banks won't open an account for a money services business. Your client comes back to you and asks where else to go.
The program you wrote never gets read
Most payment platforms' terms exclude MSBs and crypto. They turn your client down on the category alone.
The launch date keeps slipping
Other providers typically ask round after round of compliance questions and can take up to 3 months to decide. Your client can't launch until they do.

Your client, after registrationExample

FINTRAC registrationDone

AML compliance programDone

Payment railsStill looking

Introduce them to us

We built Invincible Pay for registered money services businesses. We read the compliance program you helped them build, not just the category they're in.

Talk to our team

How referrals work, from introduction to commission

You make the introduction. We onboard your client and look after them, and you earn a share of our revenue from them.

Introduce your client
Introduce us to a money services business you've registered or advise. We link that client to you.
New referralLinked to you
Money services business · Introduced by you
We onboard them
Our team reviews their compliance program and usually approves them within 3 business days, once we have their documents. Their account manager sets up their flow of funds.
Compliance reviewApproved
Usually within 3 business days
You earn 15% of net revenue
You earn 15% of our net revenue from each client you refer. Your partnership agreement sets out how commission is worked out and paid.
Referral commissionYour share
15%of our net revenue

Talk to our teamWe'll take you through the partnership agreement.

Who it's for, and what we'll ask

Advisers whose clients are money services or crypto businesses that need Canadian payment rails.

Compliance consultancies that register MSBs with FINTRAC, write their compliance programs and run their effectiveness reviews
Law firms that set up and advise money services and crypto businesses
Other advisers who work with MSBs: talk to our team about how the programme fits the way you work

We never sell compliance services, so registration, compliance programs and effectiveness reviews stay with you.

What we'll ask your client for

Most of it comes from the work you've already done with them. Have it ready when you introduce them, and onboarding moves faster.

Their FINTRAC registration number and the services it covers
Their compliance program, as you wrote or reviewed it: the policy, how they onboard customers and how they monitor transactions
The people behind it: each director, officer and owner of 25% or more verifies their identity online
Their compliance officer, as our contact for questions
Their expected flow of funds: who pays them, who they pay and roughly how much each month

Your client's walletLive

Money services business · Example week

e-Transfer in$850.00

e-Transfer in$1,240.00

Bulk e-Transfer out (3)$61,000.00

Wire out, same day$40,000.00

What your clients get from us

Rails that fit a money services business. They collect from customers with Interac e-Transfer requests, pay out with Bulk e-Transfer and settle by EFT or same-day wire.
No daily limit on sends. Up to $25,000 per transfer, so a $61,000 payout goes out as three transfers, sent together.
Canadian dollars only. We don't convert currency. Their liquidity provider handles any exchange.
Their own account manager, who sets up their flow of funds with them. They're available to help when your client needs it.
Prices they can check first. Our fees are published. See our pricing.

Partner questions, answered plainly

Compliance consultancies and law firms that register and advise money services businesses in Canada. If you advise MSBs in another way, talk to our team about how the programme fits the way you work.

15% of our net revenue from each client you refer. Your partnership agreement sets out how commission is worked out and when it's paid.

No. We never sell compliance services, so we never compete with you for a client. Your clients come to us for payment rails: Interac e-Transfer, EFT, wires and a crypto on- and off-ramp.

They apply in about 20 minutes. They're usually approved within 3 business days, and they can process payments within 5, once we have their documents. How onboarding works.

Talk to our team about where they are in the process. We need their FINTRAC registration before we can open their wallet. In the meantime, we'll tell them what else we need.

Yes. Your client gets their own account manager, who sets up their flow of funds with them. The account manager is available to help when they need it. Registration, compliance programs and reviews stay with you. Payments for MSBs.

Talk to our team. Choose “Partnering with Invincible Pay” on the contact form and tell us how you work with MSBs. We'll take you through the partnership agreement. We reply within 24 hours on business days.

Refer your first client to us

Talk to our team about the programme and how you work with MSBs. We reply within 24 hours on business days.

Talk to our team

Referral programme for MSB consultants and lawyers.

After registration, your clients still need payment rails

The bank says no, and your client calls you

The program you wrote never gets read

The launch date keeps slipping