Remittance companies
Crypto OTC desks
Bitcoin ATM operators
ATM operators
Small businessesPricing and e-Transfer fees for business.
Our e-Transfer fees for business are $1.95 + 0.20% per transaction, with no monthly fee for everyday businesses. Money services, crypto and high-risk accounts add a $500 onboarding fee. They also have a $500 monthly minimum, and their fees count toward it.
FINTRAC MSB C100000702Bank of Canada PSP registryWe reply within 24 hours on business days
- Flat fee
- $1.95
- 0.20% of $2,500.00
- $5.00
Our rates, by account type
Find the column that fits your business. Both accounts send up to $25,000 per transfer, with no daily limit, and everything is priced in Canadian dollars.
| Everyday businesses and individualsSmall businesses, freelancers and personal wallets | Money services, crypto and high-riskMSBs and PSPs, crypto businesses, high-risk businesses and iGaming operators | |
|---|---|---|
| Per transaction | $1.95 + 0.20%The same on both accounts: $3.95 on a $1,000 payment. | |
| Monthly | $0No monthly fee and no minimum | $500A monthly minimum. Your transaction fees count toward it. |
| Onboarding fee | - | $500One time |
| Wires and the crypto on- and off-ramp | Reach out for pricingTell us how you'll use them, and we'll price them for your business. | |
| Interac e-Transfer limit | Send up to $25,000 per transferWith no daily limit, on both accounts. | |
| Open a wallet | Talk to our team | |
All prices are in Canadian dollars, the only currency we work in. Any pricing we agree for higher volumes is written into your agreement.
What a month costs on each account
Your fees follow how many payments you make and how big they are. Here are two months, worked out with the rates above.
An everyday business
Say you send 30 payments of $500 in a month, to suppliers and contractors. Each one costs $1.95 + $1.00, and there's no monthly fee.
A money services business
Say your customers pay you $200 at a time. Each payment costs $2.35. Your fees count toward the $500 monthly minimum, so a busy month costs only its fees.
How our fees compare with other providers and credit cards
Most payment platforms' terms exclude MSBs and crypto, and the ones that take them typically charge far more to start. For high-risk businesses, a credit card takes a large cut of every sale.
Against other payment providers
For money services, crypto and high-risk businesses.
| Fee | Invincible Pay | Other PSPs, typically |
|---|---|---|
| Onboarding fee | $500, one time | $3,000 or more |
| Monthly | $500 minimum that counts toward your fees | $1,500 or more |
| Per e-Transfer request | $1.95 + 0.20% | Around 1% |
Other PSP figures are typical of the market, not any one provider's.
Against a credit card
For high-risk businesses, where 5.9% is a typical credit card rate. Payments of $100 to $300 each, by Interac e-Transfer with us or by credit card.
| Payment | e-Transfer with us | Credit card at 5.9% |
|---|---|---|
| $100.00 | $2.15 | $5.90 |
| $200.00 | $2.35 | $11.80 |
| $300.00 | $2.55 | $17.70 |
An example, not a quote. 5.9% is a typical credit card rate for high-risk processing, not any one provider's. Below about $34 a payment, the credit card costs less.
Payments for high-risk businessesChoose how to get started
Open an everyday wallet
For small businesses, freelancers and individuals. No monthly fee, and $1.95 + 0.20% per transaction.
Open a walletMoney services, crypto and high-risk
Your account manager sets up your flow of funds with you. Expect a decision, usually within 3 business days, once we have your documents.
Talk to our teamSee how onboarding works
What we'll ask for and how long each step takes, from your application to your first payment.
See the stepsPricing questions, answered plainly
Talk through your pricing with us
Tell us how money moves in your business and roughly how much each month. We reply within 24 hours on business days.