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EFT and direct depositYour own deposit details, 1 business dayBulk paymentsPayroll and contractor payouts at onceWire transfersSame-day wires in and out, in CAD

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Everyday accounts

Small businessese-Transfer requests, payroll and suppliersFreelancersGet paid by e-TransferIndividualsUp to $25,000 in one e-Transfer

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Interac e-TransferSecure e-TransferCheckout and e-Transfer requestsEFT and direct depositBulk paymentsWire transfersCrypto on- and off-rampAPI
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Wire transfers for business

Invincible Pay handles wire transfers for business in Canada, from the same wallet as your EFTs and e-Transfers. Get paid by wire to your wallet's deposit details, and send wires the same day, in Canadian dollars.

Talk to our teamHow to get paid by wire
Wire sentToday
$240,000.00CAD
To
Your liquidity provider
Reference
Daily settlement
Arrives
Same day
Wire receivedDeposited
$96,500.00From a partner, today
Same-day wires in and out
In Canadian dollars
One wallet with your EFTs and e-Transfers

Wires in and out of one wallet

Receive a large payment by wire and send one on the same day, from the balance your other payments use.

Get paid by wire

Give the sender your name as the beneficiary and your wallet's bank details: bank name, SWIFT code, bank address, bank number, transit number and account number. The wire lands in your wallet the same day.

Wire details to shareExample
Beneficiary
Your business name
Bank name
Shown in your wallet
SWIFT code
Shown in your wallet
Bank address
Shown in your wallet
Bank number
123
Transit (branch)
12345
Account
123456789
Currency
CAD

Send a wire the same day

Send a wire from your wallet when money has to arrive today, such as a settlement or a large invoice, to any bank in Canada. You'll need the same details from the person you're paying. It comes from the same balance as your EFTs and e-Transfers.

Wires todaySame day
  • InWire from a partner9:20 am+$96,500.00
  • OutWire to your liquidity provider10:42 am$240,000.00
  • OutWire to a supplier2:15 pm$64,000.00

Wire, EFT or e‑Transfer: pick by when it has to land

Every rail runs from the same balance in your wallet, so you choose by speed. Use EFT for everyday payments and a wire when it has to arrive today.

WireEFT and direct depositInterac e-Transfer
How fastSame dayTypically 1 business dayUsually minutes
Best forLarge payments that must land todayEveryday payments, payroll and bulk runsPayments that must land in minutes
PriceReach out for pricing$1.95 + 0.20%$1.95 + 0.20%

Prices for everyday businesses. Money services, crypto and high-risk accounts also pay a $500 setup fee and a $500 monthly minimum that counts toward their fees.

EFT for everyday paymentsEvery rail on one pageSee all pricing

When businesses use a wire

A wire is the rail for large amounts that can't wait a business day.

Talk to our team

  • Settle with your liquidity provider

    Money services businesses collect customer e-Transfers into the wallet, then wire the day's total when it has to arrive today.

    Payments for MSBs

  • Settle OTC trades

    Crypto OTC desks settle trades by wire the same day, in Canadian dollars, from the wallet their buyers pay into.

    Crypto businesses

  • Pay a large invoice today

    When a supplier or partner needs a large payment today, a wire gets it there without waiting for an EFT.

  • Take a large payment in one go

    When a client pays a large amount at once, a wire puts it in your wallet the same day.

Wire transfers for business, answered plainly

Yes. Send wires the same day from your Invincible Pay wallet, in Canadian dollars, from the same balance as your EFTs and Interac e-Transfers. Businesses use them for large settlements with liquidity providers, partners and suppliers.
Your name as the beneficiary, and your wallet's bank details: the bank's name, SWIFT code and address, the bank (institution) number, the transit number and your account number. You'll find them all in your wallet. The wire lands the same day.
No. Our wires are domestic only: Canadian dollars, between banks in Canada. For payments within Canada, use a wire, an EFT or an Interac e-Transfer from the same wallet.
The same day, in to your wallet and out of it. For comparison, an EFT typically takes 1 business day, and an Interac e-Transfer usually takes minutes.
Reach out for pricing. We don't publish wire fees, so tell us how you use wires and our team will give you a price. EFT and Interac e-Transfer cost $1.95 + 0.20% per transaction for everyday businesses. See all pricing.
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.
Send a wire when the money has to arrive today, such as a large settlement. Use an EFT for everyday payments, payroll and bulk runs: it typically takes 1 business day. Both go out from the same wallet.
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.

Set up wires for your business

Tell us how you send and receive wires today. We reply within 24 hours on business days.

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