Every rail your business needs, in one wallet

Interac e-Transfer, checkout, EFT and direct deposit, same-day wires, a crypto on- and off-ramp and an API, all in one wallet for Canadian businesses. Send up to $25,000 per e-Transfer, with no daily limit.

Talk to our team See every rail

Interac e-Transfer receivedDeposited

$1,240.00Auto-deposit

EFT receivedDeposited

$18,500.00To your deposit details

Bulk direct depositReady to send

$118,400.00Payroll · 40 people

Wire sentSame day

$240,000.00Settlement

Send up to $25,000 per e-Transfer, no daily limit

Usually approved within 3 business days

Registered with FINTRAC and the Bank of Canada

Every rail in your wallet, and what each one does

Every rail below runs from the same balance in your wallet. Each one links to its own page, with the limits, timing and fees.

Interac e-Transfer

Receive payments, send money and send e-Transfer requests, usually within minutes. Send up to $25,000 per transfer with no daily limit, so $61,000 goes out as three. Auto-deposit puts every payment you receive straight into your wallet.

Interac e-Transfer for business

Interac e-Transfers receivedDeposited

9:12 am$1,240.00

9:40 am$860.00

10:05 am$2,975.00

10:31 am$450.00

e-Transfer sentSent

$61,000.00Sent together

1 of 3$25,000.00

2 of 3$25,000.00

3 of 3$11,000.00

Secure e-Transfer

Protect yourself against fraud. Each incoming e-Transfer waits in a secure inbox until you claim it, reject it or mark it as not recognised.

How Secure e-Transfer works

Secure e-Transfer3 waiting

Incoming e-Transfer$2,450.00

ClaimRejectNot recognised

Incoming e-Transfer$780.00

Incoming e-Transfer$1,920.00

e-Transfer checkout

Let customers pay by Interac e-Transfer at your website's checkout, or send an e-Transfer request from an invoice. They accept it in their own banking app, and the money lands in your wallet.

e-Transfer checkout

e-Transfer request paidPaid

$640.00Order 1042

EFT and direct deposit

Your wallet has its own institution, transit and account numbers, so clients and partners can pay you by EFT or direct deposit. An EFT typically lands in 1 business day, and you can send one or pay everyone in a bulk run.

EFT and direct deposit

Your deposit detailsActive

Institution · Transit · Account, for incoming EFT

EFT receivedDeposited

$18,500.001 business day

Bulk payments

Pay your whole team or every contractor in one run, by bulk direct deposit or Bulk e-Transfer. Payroll for 40 people is one total to check, and every payment goes out together.

Bulk payments

Payroll by direct depositReady to send

$118,400.0040 people

Wire transfers

Send and receive wires the same day, in Canadian dollars. Use them for larger settlements with liquidity providers, partners and suppliers, from the same balance as your e-Transfers and EFTs.

Wire transfers for business

Wire receivedToday

$240,000.00Settlement

Wire sentSame day

$96,000.00To your supplier

Crypto on- and off-ramp

Use the crypto on- and off-ramp directly from your wallet. It draws on the same Canadian-dollar balance as your e-Transfers, EFTs and wires, and your account manager sets it up around how your crypto business moves money.

The crypto ramp

CADCrypto

On-ramp and off-ramp, from your wallet

API

Connect every rail to your own systems. Create Interac e-Transfer requests, run merchant checkout, send payouts and bulk EFT, use the crypto ramp, and get a webhook the moment a payment lands.

The payments API

POST /v1/checkout
{ "amount": "1240.00", "currency": "CAD" }

WEBHOOK
{ "type": "checkoutCompleted" }

Talk to our team about how we can work for you.

Your flow of funds, set up with you

Tell us where your money comes from and where it goes. Your account manager matches each step to the right rail, checks it with you before your first payment, and stays your contact once you're live.

Your flow of fundsChecked

InInterac e-Transfer requests

HeldYour wallet

OutEFT to your supplier, Friday

Your account managerOnline

Available to help when you need it

How onboarding works, and how long it takes

Everyday businesses and individuals open a wallet online. Money services, crypto and high-risk businesses are onboarded by our team, with an account manager who sets up the flow of funds with them.

Talk to our team How onboarding works

What we'll ask for

What your business does and how money moves through it: where it comes from and where it goes
Who owns and runs the business: directors, officers and anyone owning 25% or more verify their identity online
For money services, crypto and high-risk businesses: your FINTRAC registration where you have one, and your compliance program

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.

Questions about the platform, answered plainly

Interac e-Transfer (send, receive, request money, checkout, auto-deposit, Secure e-Transfer and Bulk e-Transfer), EFT and direct deposit, same-day wires, a crypto on- and off-ramp directly from your wallet, and an API. They all run from one wallet.

An Interac e-Transfer usually takes minutes, and up to 30. EFT and direct deposit typically take 1 business day. Wires arrive the same day.

Not on your wallet. You send up to $25,000 per Interac e-Transfer with no daily limit, on every account type, so larger amounts go out as several transfers. Your customers pay you within their own bank's limits.

$1.95 + 0.20% per transaction for Interac e-Transfer, EFT and direct deposit, with no monthly fee for everyday businesses and individuals. Money services, crypto and high-risk businesses pay a $500 setup fee and a $500 monthly minimum that counts toward their fees. For wires and the crypto ramp, reach out for pricing. See all pricing.

Yes, through our API. Your system can create Interac e-Transfer requests, run checkout, send payouts and bulk EFT, use the crypto ramp, and get a webhook the moment a payment lands. Read about the API.

No. We deal only in Canadian dollars and work only with Canadian businesses: we're a Canadian provider. If your business deals in other currencies, your own liquidity provider converts the funds.

No. 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. Your money is held in your Invincible Pay wallet.

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.

Put every rail in one wallet

Tell us how money moves in your business. We reply within 24 hours on business days.

Talk to our team