A shop rings up $14,000 in a week. The processor takes $406 before a cent hits the owner's account. Payroll runs through one app, suppliers get paid through another, and the point-of-sale charges a monthly fee just to exist. A business built to make money ends up funding three middlemen instead.
Open a Business Wallet FreeCredit card processors, payroll software, supplier transfers, bank fees. Four different companies move the same money around - and every one of them takes a cut.
Two suppliers need paying today and the total is over $10,000, but the business bank caps e-transfers at $10,000 a day. One supplier waits until tomorrow. Meanwhile the credit card processor skimmed 2.9% off this morning's sales, the payroll app charged its $39 monthly fee, and rent is due Friday. End of the month, transactions are scattered across four platforms and the profit is hard to find.
Stop splitting transfers and funding middlemen. Open a Business Wallet in minutes.
Get Started FreeThe Invincible Business Wallet is where customer payments land and where supplier payments, payroll, and contractor fees go out. No transferring between accounts. No waiting for deposits to clear before paying someone. Add e-transfer checkout to a store, send payment links for invoices, and manage every dollar from one place.
Invincible Pay’s e-transfer checkout lets customers pay via Interac instead of credit card. Credit card processing typically costs 2.5-3.5% per transaction - on $14,000 in monthly sales, that’s $350 to $490 gone before the business sees a cent. Interac e-transfer costs a fraction of that. Every customer who pays by e-transfer through Invincible Pay puts more margin back in the business.
Yes - that’s what the Invincible Business Wallet is built for. Customer payments come in via e-transfer checkout or payment links. From that same wallet, businesses pay suppliers, contractors, and employees. One login, one dashboard, no shuttling money between accounts. Invincible Pay replaces the fragmented setup of a payment processor, a payroll app, and a separate bank account for transfers.
Customer payments sent via Invincible Pay’s e-transfer checkout arrive in the business wallet in minutes - not two business days. There’s no holding period waiting for a processor to release funds. When a customer pays, the money is available almost immediately, which means businesses can pay a supplier or run payroll without waiting for a batch settlement to clear.
Invincible Pay consolidates what used to require three tools into one wallet. Incoming payments from customers, outgoing payroll to staff, and e-transfers to suppliers all move through a single Invincible account. There are no monthly platform fees, no per-seat payroll charges, and no need to reconcile across separate transaction histories. FINTRAC registered and Bank of Canada regulated, it handles up to $25,000 per transaction - enough for any small business payment.
Most small businesses complete onboarding in under five minutes. It’s entirely online. No branch visits, no paper forms, no two-week approval window. Once verified, the business can immediately send payment links, display a QR code at checkout, or start paying suppliers and staff.
Open an Invincible Business Wallet in minutes. Accept payments, pay the team, and keep more of every dollar earned.
Get Your Business Wallet