Financial Operating System for Vertical Software Applications

We help software companies unlock new revenue streams by enhancing their core platform services with integrated payments and financial services.

Our Fintech-as-a-Service platform allows businesses to quickly deploy instant payments, virtual wallets, compliance solutions, and more, without the complexity of building and maintaining financial systems.

Trusted by 12,000+ institutions, 300+ partners and 1000+ customers

Powering High-Growth Revenue Models

Our platform offers turnkey fintech solutions designed for software companies and large enterprises, so you can focus on growth without the burden of building payment systems from the ground up.

  • ISVs

  • Enterprises

  • Digital Platforms

  • ISOs

  • Build More Compelling Products

    Stand out in your sector and unlock extra value on your platform with automated onboarding and faster payments.

    Monetize Payments On Your Platform

    Sell superior embedded payment services to your customers and capitalize on additional revenue streams.

    Future-Proof Your Growth

    Focus on your core competencies and let us handle payment regulations, infrastructure changes and network maintenance.

  • ISVs

  • Enterprises

  • Digital Platforms

  • ISOs

Build More Compelling Products

Stand out in your sector and unlock extra value on your platform with automated onboarding and faster payments.

Monetize Payments On Your Platform

Sell superior embedded payment services to your customers and capitalize on additional revenue streams.

Future-Proof Your Growth

Focus on your core competencies and let us handle payment regulations, infrastructure changes and network maintenance.

Get Financial Ownership

Access advanced financial tools and configure payment technology around your business needs to accelerate growth.

Move Money At Any Scale

Reach your true potential by optimizing the movement of funds and gaining full financial visibility.

Increase Your Bottom Line

Reduce costs associated with manual processing and infrastructure development to expand your profit margins.

Increase Revenue Per Customer

Embed payments into the core of your platform and streamline the entire journey for users to drive additional revenue.

Increase Customer Stickiness

Deliver unmatched payment journeys and create humanized transaction processes on your digital app.

Reduce Payment Development Costs

Focus on your core platform value and leave payment regulation, development and maintenance to us.

Unlock New Revenue Streams

Scale your network of merchants and drive more revenue using VoPay’s unbeatable financial stack as a service.

Offer More To Your Merchants

Stand out to prospective buyers and generate interest with bigger enterprises thanks to our scalable technology.

Reduce Costs & Boost Revenue Share

Focus on attracting ideal merchants and VoPay will manage sales, onboarding, compliance and customer success.

Build, Scale & Innovate With Our Fintech-as-a-Service Platform

Integrate with our platform to access powerful managed services that can be tailored to match your business needs.

  • Platform-as-a-Service

  • Payment-as-a-Service

  • Payfac-as-a-Service

  • Compliance-as-a-Service

  • Treasury-as-a-Service

  • Simplify Complex Cash Flows & Reduce Operational Costs

    Optimize cash management across your organization and turn complex ledgers into a hierarchy of dedicated accounts for precise liquidity management at any scale.

  • Platform-as-a-Service

  • Payment-as-a-Service

  • Payfac-as-a-Service

  • Compliance-as-a-Service

  • Treasury-as-a-Service

Simplify Complex Cash Flows & Reduce Operational Costs

Optimize cash management across your organization and turn complex ledgers into a hierarchy of dedicated accounts for precise liquidity management at any scale.

Embed Payments To Enrich Your Platform’s Value Proposition

Embed payments into your platform to offer more compelling products and services to your customers, differentiating your offerings and increasing market share.

Monetize The Entire Payment Journey & Drive More Revenue

Maximize your revenue potential by capturing value throughout every stage of the payment journey. From onboarding to reconciliation, make payments the central revenue generator within your business.

Outsource Onboarding & Compliance To Scale Without The Hassle

Focus on growth with complete confidence that your KYC/KYB processes are being handled by industry experts. Expand your business safely without the added risk of managing compliance in-house.

Turnkey Cash & Liquidity Mcanagement For Banks & Financial Institutions

Offer premium cash management services to enterprise customers and generate additional revenue streams through wallets, automation, reporting and more, all through a single API layer.

No-Code, Low-Code & Fully Integrated Payment Management

Embed major payment rails into your products and services with ease using our developer-friendly tools.

Hit a single endpoint on our API to generate a bank account login experience on the front-end of your application, or setup the same workflow via email from our dedicated online Portal.

Explore Payment Methods

Operate At Scale With Multi-Layer Dynamic Ledger Systems

VoPay's flexible multi-layer account framework is designed to simplify the complexities of organizational hierarchies, multi-franchise operations, and diverse customer segments.

Achieve complete financial visibility and control at every account level.

  • Partner Accounts
  • Unlimited Virtual Accounts
  • Separate Ledger Systems
  • Reporting & Real-Time Reconcilliations
Explore Treasury-as-a-Service

Operate At Scale With Multi-Layer Dynamic Ledger Systems

VoPay's flexible multi-layer account framework is designed to simplify the complexities of organizational hierarchies, multi-franchise operations, and diverse customer segments.

Achieve complete financial visibility and control at every account level.

  • Partner Accounts
  • Unlimited Virtual Accounts
  • Separate Ledger Systems
  • Reporting & Real-Time Reconcilliations
Explore Treasury-as-a-Service

API-First Technology To Power Advanced Payment Orchestration

Build your own payment products using over 250 endpoints on our REST APIs and integrate in days, not months, using our industry-specific recipes.

API

Recipes

We maintain 99.99% uptime across all our APIs, so you’ll never miss a payment and can rely on a stable financial technology base for your business growth.

Hit single endpoints that return data rich responses so you can build more compelling products and maximize value, and leave network updates and payment regulations to us.

Interac e-Transfer Bulk Payout

Tokenize Bank Credentials

Set Account Permissions

Initiate Micro Verification

cURL
JavaScript
PHP
Python

Access dedicated recipes for specific use cases to accelerate development time and bring products to market quickly with less errors.

Test and refine user experiences on your on your platform in seconds using our suite of pre-built workflows to ensure a perfect integration every time.

1. Create the account

2. Get a list of Business Types

3. Provide KYC Information

4. Provide Shareholder Information

5. Provide Signing Authorities

6. Upload Supporting Documents

7. Set Account Permissions

cURL
JavaScript
PHP
Python
1curl --request POST \
2--url https://earthnode-dev.vopay.com/api/v2/partner/account \
3--header 'accept: application/json' \
4--header 'content-type: application/x-www-form-urlencoded' \
5--data 'AccountID={PartnerAccountID}' \
6--data 'Key={APIKey}' \
7--data 'Signature={Signature}' \
8--data 'Name=E Corp' \
9--data [email protected] \
10--data Country=CA
11
12curl --request GET \
13--url 'https://earthnode-dev.vopay.com/api/v2/account/business-types?AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D' \
14--header 'accept: application/json'
15
16curl --request POST \
17--url https://earthnode-dev.vopay.com/api/v2/account/submit-extended-info \
18--header 'accept: application/json' \
19--header 'content-type: application/x-www-form-urlencoded' \
20--data 'AccountID={AccountID}' \
21--data 'Key={APIKey}' \
22--data 'Signature={Signature}' \'
23--data 'Address=123 Fake St' \
24--data City=Vancouver \
25--data Province=BC \
26--data PostalCode=A1A1A1 \
27--data Country=CA \
28--data PhoneNumber=5555555555 \
29--data LegalBusinessName=E-Corp \
30--data 'OrganizationalType=Public Limited Company' \
31--data RegistrationNumber=123456789 \
32--data RegistrationProvince=BC \
33--data DateofIncorporation=2000-01-01 \
34--data BusinessTypeID=1 \
35--data BusinessTypeCategoryID=1 \
36--data Website=https://www.ecorp.com \
37--data ProductDescription=Lending \
38--data 'StatementDescriptor=E Corporation' \
39--data 'StatementDescriptorShortName=E Corp' \
40--data 'PrimaryContactFullName=John Doe' \
41--data PrimaryContactTitle=CEO \
42--data [email protected] \
43--data PrimaryContactPhoneNumber=5555555555 \
44--data CustomerSupportPhoneNumber=5555555555 \
45--data AccountNumber=1234567 \
46--data FinancialInstitutionNumber=001 \
47--data BranchTransitNumber=03900
48
49curl --request POST \
50--url 'https://earthnode-dev.vopay.com/api/v2/account/submit-extended-info/shareholder-info/add' \
51--header 'accept: application/json' \
52--header 'content-type: application/x-www-form-urlencoded' \
53--data 'AccountID={AccountID}' \
54--data 'Key={APIKey}' \
55--data 'Signature={Signature}' \'
56--data 'ShareholderFullName=John Doe' \
57--data ShareholderDOB=1970-01-01 \
58--data ShareholderOwnership=100 \
59--data ShareholderOccupation=CEO \
60--data 'ShareholderAddress1=123 Fake St' \
61--data ShareholderCity=Vancouver \
62--data ShareholderProvince=BC \
63--data ShareholderCountry=CA \
64--data ShareholderPostalCode=A1A1A1
65
66curl --request POST \
67--url https://earthnode-dev.vopay.com/api/v2/account/submit-extended-info/signing-authority-info/add \
68--header 'accept: application/json' \
69--header 'content-type: application/x-www-form-urlencoded' \
70--data 'AccountID={AccountID}' \
71--data 'Key={APIKey}' \
72--data 'Signature={Signature}' \'
73--data 'AuthorizedFullLegalName=John Doe' \
74--data AuthorizedDOB=1970-01-01 \
75--data AuthorizedOccupation=CEO \
76--data [email protected] \
77--data 'AuthorizedAddress1=123 Fake St' \
78--data AuthorizedCity=Vancouver \
79--data AuthorizedProvince=BC \
80--data AuthorizedCountry=CA \
81--data AuthorizedPostalCode=A1A1A1
82
83curl --request POST \
84--url https://earthnode-dev.vopay.com/api/v2/document \
85--header 'accept: application/json' \
86--header 'content-type: application/x-www-form-urlencoded' \
87--data 'AccountID={AccountID}' \
88--data 'Key={APIKey}' \
89--data 'Signature={Signature}' \'
90--data 'DocumentName=Certificate of Incorporation' \
91--data DocumentContent=JVBERi0xLjQKJdPr6eEKMSAwIG9iago8PC \
92--data DocumentType=kyc
93
94curl --request POST \
95--url https://earthnode-dev.vopay.com/api/v2/partner/account/set-permissions \
96--header 'accept: application/json' \
97--header 'content-type: application/x-www-form-urlencoded' \
98--data 'AccountID={AccountID}' \
99--data 'Key={APIKey}' \
100--data 'Signature={Signature}' \'
101--data VopayAccountID=e_corp \
102--data EFTCollectEnabled=true \
103--data EFTSendEnabled=true \
104--data MaxFundEFTAmount=10000 \
105--data MaxWithdrawEFTAmount=10000
106
1const sdk = require('api')('@vopay-api/v2.0#6hzs1fle4g0y4m');
2
3sdk.accountPOST({
4AccountID: '{PartnerAccountID}',
5Key: '{APIKey}',
6Signature: '{Signature}',
7Name: 'E Corp',
8EmailAddress: '[email protected]',
9Country: 'CA'
10}, {accept: 'application/json'})
11.then(({ data }) => console.log(data))
12.catch(err => console.error(err));
13
14
15sdk.accountBusinessTypesGET({
16AccountID: '%7BAccountID%7D',
17Key: '%7BAPIKey%7D',
18Signature: '%7BSignature%7D'
19})
20.then(({ data }) => console.log(data))
21.catch(err => console.error(err));
22
23
24sdk.accountSubmitExtraInfoPOST({
25AccountID: '{AccountID}',
26Key: '{APIKey}',
27Signature: '{Signature}',
28Address: '123 Fake St',
29City: 'Vancouver',
30Province: 'BC',
31PostalCode: 'A1A1A1',
32Country: 'CA',
33PhoneNumber: '5555555555',
34LegalBusinessName: 'E-Corp',
35OrganizationalType: 'Public Limited Company',
36RegistrationNumber: '123456789',
37RegistrationProvince: 'BC',
38DateofIncorporation: '2000-01-01',
39BusinessTypeID: 1,
40BusinessTypeCategoryID: 1,
41Website: 'https://www.ecorp.com',
42ProductDescription: 'Lending',
43StatementDescriptor: 'E Corporation',
44StatementDescriptorShortName: 'E Corp',
45PrimaryContactFullName: 'John Doe',
46PrimaryContactTitle: 'CEO',
47PrimaryContactEmail: '[email protected]',
48PrimaryContactPhoneNumber: '5555555555',
49CustomerSupportPhoneNumber: '5555555555',
50AccountNumber: '1234567',
51FinancialInstitutionNumber: '001',
52BranchTransitNumber: '03900'
53}, {accept: 'application/json'})
54.then(({ data }) => console.log(data))
55.catch(err => console.error(err));
56
57
58sdk.accountShareHolderAddPOST({
59AccountID: '{AccountID}',
60Key: '{APIKey}',
61Signature: '{Signature}',
62ShareholderFullName: 'John Doe',
63ShareholderDOB: '1970-01-01',
64ShareholderOwnership: 100,
65ShareholderOccupation: 'CEO',
66ShareholderAddress1: '123 Fake St',
67ShareholderCity: 'Vancouver',
68ShareholderProvince: 'BC',
69ShareholderCountry: 'CA',
70ShareholderPostalCode: 'A1A1A1'
71}, {accept: 'application/json'})
72.then(({ data }) => console.log(data))
73.catch(err => console.error(err));
74
75
76sdk.accountSigningAuthorityAddPost({
77AccountID: '{AccountID}',
78Key: '{APIKey}',
79Signature: '{Signature}',
80AuthorizedFullLegalName: 'John Doe',
81AuthorizedDOB: '1970-01-01',
82AuthorizedOccupation: 'CEO',
83AuthorizedEmailAddress: '[email protected]',
84AuthorizedAddress1: '123 Fake St',
85AuthorizedCity: 'Vancouver',
86AuthorizedProvince: 'BC',
87AuthorizedCountry: 'CA',
88AuthorizedPostalCode: 'A1A1A1'
89}, {accept: 'application/json'})
90.then(({ data }) => console.log(data))
91.catch(err => console.error(err));
92
93
94sdk.documentPost({
95AccountID: '{AccountID}',
96Key: '{APIKey}',
97Signature: '{Signature}',
98DocumentName: 'Certificate of Incorporation',
99DocumentContent: 'JVBERi0xLjQKJdPr6eEKMSAwIG9iago8PC',
100DocumentType: 'kyc'
101}, {accept: 'application/json'})
102.then(({ data }) => console.log(data))
103.catch(err => console.error(err));
104
105
106sdk.accountSetPermissionsPOST({
107AccountID: '{AccountID}',
108Key: '{APIKey}',
109Signature: '{Signature}',
110VopayAccountID: 'e_corp',
111EFTCollectEnabled: true,
112EFTSendEnabled: true,
113MaxFundEFTAmount: 10000,
114MaxWithdrawEFTAmount: 10000
115}, {accept: 'application/json'})
116.then(({ data }) => console.log(data))
117.catch(err => console.error(err));
118
1<?php
2require_once('vendor/autoload.php');
3
4$client = new \GuzzleHttp\Client();
5
6$response = $client->request('POST', 'https://earthnode-dev.vopay.com/api/v2/partner/account', [
7'form_params' => [
8'AccountID' => '{PartnerAccountID}',
9'Key' => '{APIKey}',
10'Signature' => '{Signature}',
11'Name' => 'E Corp',
12'EmailAddress' => '[email protected]',
13'Country' => 'CA'
14],
15'headers' => [
16'accept' => 'application/json',
17'content-type' => 'application/x-www-form-urlencoded',
18],
19]);
20
21echo $response->getBody();
22
23
24$response = $client->request('GET', 'https://earthnode-dev.vopay.com/api/v2/account/business-types?AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D', [
25'headers' => [
26'accept' => 'application/json',
27],
28]);
29
30echo $response->getBody();
31
32
33$response = $client->request('POST', 'https://earthnode-dev.vopay.com/api/v2/account/submit-extended-info', [
34'form_params' => [
35'AccountID' => '{AccountID}',
36'Key' => '{APIKey}',
37'Signature' => '{Signature}',
38'Address' => '123 Fake St',
39'City' => 'Vancouver',
40'Province' => 'BC',
41'PostalCode' => 'A1A1A1',
42'Country' => 'CA',
43'PhoneNumber' => '5555555555',
44'LegalBusinessName' => 'E-Corp',
45'OrganizationalType' => 'Public Limited Company',
46'RegistrationNumber' => '123456789',
47'RegistrationProvince' => 'BC',
48'DateofIncorporation' => '2000-01-01',
49'BusinessTypeID' => 1,
50'BusinessTypeCategoryID' => 1,
51'Website' => 'https://www.ecorp.com',
52'ProductDescription' => 'Lending',
53'StatementDescriptor' => 'E Corporation',
54'StatementDescriptorShortName' => 'E Corp',
55'PrimaryContactFullName' => 'John Doe',
56'PrimaryContactTitle' => 'CEO',
57'PrimaryContactEmail' => '[email protected]',
58'PrimaryContactPhoneNumber' => '5555555555',
59'CustomerSupportPhoneNumber' => '5555555555',
60'AccountNumber' => '1234567',
61'FinancialInstitutionNumber' => '001',
62'BranchTransitNumber' => '03900'
63],
64'headers' => [
65'accept' => 'application/json',
66'content-type' => 'application/x-www-form-urlencoded',
67],
68]);
69
70echo $response->getBody();
71
72
73$response = $client->request('POST', 'https://earthnode-dev.vopay.com/api/v2/account/submit-extended-info/shareholder-info/add', [
74'form_params' => [
75'AccountID' => '{AccountID}',
76'Key' => '{APIKey}',
77'Signature' => '{Signature}',
78'ShareholderFullName' => 'John Doe',
79'ShareholderDOB' => '1970-01-01',
80'ShareholderOwnership' => 100,
81'ShareholderOccupation' => 'CEO',
82'ShareholderAddress1' => '123 Fake St',
83'ShareholderCity' => 'Vancouver',
84'ShareholderProvince' => 'BC',
85'ShareholderCountry' => 'CA',
86'ShareholderPostalCode' => 'A1A1A1'
87],
88'headers' => [
89'accept' => 'application/json',
90'content-type' => 'application/x-www-form-urlencoded',
91],
92]);
93
94echo $response->getBody();
95
96
97$response = $client->request('POST', 'https://earthnode-dev.vopay.com/api/v2/account/submit-extended-info/signing-authority-info/add', [
98'form_params' => [
99'AccountID' => '{AccountID}',
100'Key' => '{APIKey}',
101'Signature' => '{Signature}',
102'AuthorizedFullLegalName' => 'John Doe',
103'AuthorizedDOB' => '1970-01-01',
104'AuthorizedOccupation' => 'CEO',
105'AuthorizedEmailAddress' => '[email protected]',
106'AuthorizedAddress1' => '123 Fake St',
107'AuthorizedCity' => 'Vancouver',
108'AuthorizedProvince' => 'BC',
109'AuthorizedCountry' => 'CA',
110'AuthorizedPostalCode' => 'A1A1A1'
111],
112'headers' => [
113'accept' => 'application/json',
114'content-type' => 'application/x-www-form-urlencoded',
115],
116]);
117
118echo $response->getBody();
119
120
121$response = $client->request('POST', 'https://earthnode-dev.vopay.com/api/v2/document', [
122'form_params' => [
123'AccountID' => '{AccountID}',
124'Key' => '{APIKey}',
125'Signature' => '{Signature}',
126'DocumentName' => 'Certificate of Incorporation',
127'DocumentContent' => 'JVBERi0xLjQKJdPr6eEKMSAwIG9iago8PC',
128'DocumentType' => 'kyc'
129],
130'headers' => [
131'accept' => 'application/json',
132'content-type' => 'application/x-www-form-urlencoded',
133],
134]);
135
136echo $response->getBody();
137
138
139$response = $client->request('POST', 'https://earthnode-dev.vopay.com/api/v2/partner/account/set-permissions', [
140'form_params' => [
141'AccountID' => '{PartnerAccountID}',
142'Key' => '{APIKey}',
143'Signature' => '{Signature}',
144'VopayAccountID' => 'e_corp',
145'EFTCollectEnabled' => null,
146'EFTSendEnabled' => null,
147'MaxFundEFTAmount' => 10000,,
148'MaxWithdrawEFTAmount' => 10000
149],
150'headers' => [
151'accept' => 'application/json',
152'content-type' => 'application/x-www-form-urlencoded',
153],
154]);
155
156echo $response->getBody();
157
1import requests
2
3url = "https://earthnode-dev.vopay.com/api/v2/partner/account"
4
5payload = "AccountID=%7BPartnerAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D&Name=E%20Corp&EmailAddress=john%40ecorp.com&Country=CA"
6headers = {
7"accept": "application/json",
8"content-type": "application/x-www-form-urlencoded"
9}
10
11response = requests.post(url, data=payload, headers=headers)
12
13print(response.text)
14
15
16
17url = "https://earthnode-dev.vopay.com/api/v2/account/business-types?AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D"
18
19headers = {"accept": "application/json"}
20
21response = requests.get(url, headers=headers)
22
23print(response.text)
24
25
26
27url = "https://earthnode-dev.vopay.com/api/v2/account/submit-extended-info"
28
29payload = "AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D&Address=123%20Fake%20St&City=Vancouver&Province=BC&PostalCode=A1A1A1&Country=CA&PhoneNumber=5555555555&LegalBusinessName=E-Corp&OrganizationalType=Public%20Limited%20Company&RegistrationNumber=123456789&RegistrationProvince=BC&DateofIncorporation=2000-01-01&BusinessTypeID=1&BusinessTypeCategoryID=1&Website=https%3A%2F%2Fwww.ecorp.com&ProductDescription=Lending&StatementDescriptor=E%20Corporation&StatementDescriptorShortName=E%20Corp&PrimaryContactFullName=John%20Doe&PrimaryContactTitle=CEO&PrimaryContactEmail=john%40ecorp.com&PrimaryContactPhoneNumber=5555555555&CustomerSupportPhoneNumber=5555555555&AccountNumber=1234567&FinancialInstitutionNumber=001&BranchTransitNumber=03900"
30headers = {
31"accept": "application/json",
32"content-type": "application/x-www-form-urlencoded"
33}
34
35response = requests.post(url, data=payload, headers=headers)
36
37print(response.text)
38
39
40
41url = "https://earthnode-dev.vopay.com/api/v2/account/submit-extended-info/shareholder-info/add"
42
43payload = "AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D&ShareholderFullName=John%20Doe&ShareholderDOB=1970-01-01&ShareholderOwnership=100&ShareholderOccupation=CEO&ShareholderAddress1=123%20Fake%20St&ShareholderCity=Vancouver&ShareholderProvince=BC&ShareholderCountry=CA&ShareholderPostalCode=A1A1A1"
44headers = {
45"accept": "application/json",
46"content-type": "application/x-www-form-urlencoded"
47}
48
49response = requests.post(url, data=payload, headers=headers)
50
51print(response.text)
52
53
54
55url = "https://earthnode-dev.vopay.com/api/v2/account/submit-extended-info/signing-authority-info/add"
56
57payload = "AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D&AuthorizedFullLegalName=John%20Doe&AuthorizedDOB=1970-01-01&AuthorizedOccupation=CEO&AuthorizedEmailAddress=john%40ecorp.com&AuthorizedAddress1=123%20Fake%20St&AuthorizedCity=Vancouver&AuthorizedProvince=BC&AuthorizedCountry=CA&AuthorizedPostalCode=A1A1A1"
58headers = {
59"accept": "application/json",
60"content-type": "application/x-www-form-urlencoded"
61}
62
63response = requests.post(url, data=payload, headers=headers)
64
65print(response.text)
66
67
68
69
70url = "https://earthnode-dev.vopay.com/api/v2/document"
71
72payload = "AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D&DocumentName=Certificate%20of%20Incorporation&DocumentContent=JVBERi0xLjQKJdPr6eEKMSAwIG9iago8PC&DocumentType=kyc"
73headers = {
74"accept": "application/json",
75"content-type": "application/x-www-form-urlencoded"
76}
77
78response = requests.post(url, data=payload, headers=headers)
79
80print(response.text)
81
82
83
84
85url = "https://earthnode-dev.vopay.com/api/v2/partner/account/set-permissions"
86
87payload = "AccountID=%7BPartnerAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D&VopayAccountID=e_corp&EFTCollectEnabled=true&EFTSendEnabled=true&MaxFundEFTAmount=10000&MaxWithdrawEFTAmount=10000"
88headers = {
89"accept": "application/json",
90"content-type": "application/x-www-form-urlencoded"
91}
92
93response = requests.post(url, data=payload, headers=headers)
94
95print(response.text)
96

Accounting Software Integrations

Integrate your accounting software in just a few clicks to create a bi-directional sync between your payments and bookkeeping.

  • 1-click integrations with the most popular accounting software platforms with minimal setup time
  • Import AR and AP data from your accounting platform to collect invoices and pay bills from directly within VoPay
Explore Accounting Software Integrations

Your Financial Operations Command Center

Access smart customer and partner dashboards to oversee accounts, transaction data and reporting. All portals are white-label friendly to ensure brand consistency.

  • Manage customers, transactions, reporting and reconciliations all on one financial automation tool built to scale revenue
  • Create superior onboarding experiences using custom iFrame technology that matches your brand identify
Book A Demo

Your Financial Operations Command Center

Access smart customer and partner dashboards to oversee accounts, transaction data and reporting. All portals are white-label friendly to ensure brand consistency.

  • Manage customers, transactions, reporting and reconciliations all on one financial automation tool built to scale revenue
  • Create superior onboarding experiences using custom iFrame technology that matches your brand identify
Book A Demo

White-Label Everything To Maintain Brand Identity

Exercise complete control over branding throughout the entire financial operation, from onboarding to reconciliation, ensuring ultimate ownership and consistency. Your Customers. Your Platform. Your Payments.

eLinx

Bank Verify

Application Form

Payment Portal

Customize and control branding on our flagship payment product eLinx to request payment information.

Impress your end-users with our stunning interfaces that are 100% white-labeled to your company identity.

Use our brand controls to customize the end-user experience of our micro-deposit interface, used to verify bank accounts.

Send the user a verification request using your own logo and brand colors to showcase authority and consistency to your customers.

Showcase your brand authority from the start of your customer relationships using bespoke branding on our application form.

Guide customers through onboarding while providing a user experience that is consistent with your brand identity.

Give your customers and partners a stunning white-label experience to manage their own transactions and operations.

Maintain brand consistency across all channels without having to build a dedicated payment dashboard.

Scale Users, Drive Revenue & Put Financial Operations On Autopilot

Own your payment technology and build better transactions for you and your customers with our complete suite of financial tools.

Onboarding Flows

Automate the onboarding of merchants and partners using our white-label onboarding forms.

White Label UX

All of VoPay’s core services can be white-labelled or embedded for maximum branding control.

Virtual Accounts

Optimize the movement of money using dedicated virtual accounts to move and hold funds.

KYC & AML

Access our KYC and AML tools to reduce and prevent fraud on your platform.

Recurring Billing

Automate billing, predict recurring revenue, and streamline cash flow.

Financial Data

By analyzing payment data, you can optimize your business strategy and improve the customer experience.

Risk Intelligence

Mitigate and manage risk with KYC, data intelligence and encrypted tokenization for safer transactions.

Transaction Screening

Monitor your payments and setup smart screening controls to flag suspicious transactions.

Onboarding Flows

Automate the onboarding of merchants and partners using our white-label onboarding forms.

White Label UX

All of VoPay’s core services can be white-labelled or embedded for maximum branding control.

Virtual Accounts

Optimize the movement of money using dedicated virtual accounts to move and hold funds.

KYC & AML

Access our KYC and AML tools to reduce and prevent fraud on your platform.

Recurring Billing

Automate billing, predict recurring revenue, and streamline cash flow.

Financial Data

By analyzing payment data, you can optimize your business strategy and improve the customer experience.

Risk Intelligence

Mitigate and manage risk with KYC, data intelligence and encrypted tokenization for safer transactions.

Transaction Screening

Monitor your payments and setup smart screening controls to flag suspicious transactions.

Trusted partner for thousands of leading brands

Trusted partner for thousands of leading brands


"By leveraging Mastercard Move, including Mastercard’s technology and connectivity to global and domestic networks, VoPay, with its focus on providing a globally interoperable platform with embedded finance capabilities, will deliver significant value to Canadian consumers, businesses and government entities."

- Vice President, New Payment Platforms, Mastercard Canada,
Ramesh Jayakrishnan

"We're excited to partner with VoPay to bring enhanced automation and efficiency to our SMB customers. By integrating VoPay's advanced payment technology into Sage Business Cloud Payroll, we’re helping SMBs streamline payroll processes, reduce manual tasks, and free up resources for core business activities and strategic growth."

- Ceara Metcalf, Head of HR and Payroll Business Unit at Sage

"Their unwavering reliability and exceptional support have enabled us to provide our customers with a superior experience. Integrating their payment solution into our platform has been a game-changer, allowing us to scale our business and access new markets while retaining our current customer base. Plexflow’s users now spend less time chasing payments and reconciling deposits—and more time keeping tenants happy."

- Chief Revenue Officer, Plexflow ,Youssef Hifdi

"VoPay’s payment technology has elevated our platform, making it easier for donors to give and for charities to receive funds quickly. By simplifying recurring payments and offering real-time financial insights, we’ve minimized administrative tasks and greatly enhanced donor engagement. Thanks to VoPay, our platform offers a smooth donation experience that allows charities to focus on their missions while we handle the rest."

- Co-Founder, GiveWise, Dan Kyte

"By embedding VoPay's EFT payment technology into our platform, we have drastically improved our transaction process, reducing manual intervention to almost zero. Investors can securely input their banking details, click 'pay,' and complete transactions instantly. This automation has lifted the burden of manual tasks for our lean team, giving us real-time transaction visibility and allowing one person to manage the entire process as we scale—without the need for a large accounting department."

- Head of Growth, Parvis, Scott Spence

"The feature that drew us to VoPay was its e-wallet capability. We quickly realized that for our platform to run efficiently, users needed e-wallets to deposit and manage funds easily. This functionality enabled a smooth flow of transactions, reducing overhead and allowing users to reinvest funds for compounded returns. VoPay's solutions have simplified our processes and improved the user experience, helping us operate more efficiently."

- Director of Technology, Goparity Canada, Elliot Warner

"Digitizing payments has allowed us to automate many processes that were previously manual, opening a new channel and creating an additional revenue stream. This is just the beginning for us. With payments now integrated into our system, we see countless opportunities for product and feature enhancements that will enable us to serve our customers even better."

- President, Avesdo, Ben Smith

"Cross River’s relationship with VoPay stems from a shared commitment to transforming the fintech landscape through responsible and reliable innovation. By leveraging proprietary API technology, our collaboration ensures transparency to the underlying user for transaction monitoring while allowing for seamless and efficient transactions, empowering businesses with secure money movement in today’s regulatory environment."

- Head of Payments at Cross River, Keith Vander Leest

"VoPay’s secure and user-friendly payment technology has simplified the payment acceptance process for our LOS and LMS platforms. By integrating their API, lenders can set payment parameters directly in the system, reducing costs, minimizing errors, and improving cash flow. The automated payments give consumers peace of mind, knowing their payments are made securely and on time."

- Co-founder and CEO of Inovatec, Vlad Kovacevic

"Our partnership with VoPay streamlines the process for businesses to integrate bank-linked payments with minimal effort. By combining our solutions, we aim to deliver a simplified payment experience and eliminate the complexities that businesses currently face in their payment processes."

- Co-founder and Co-CEO of Datatel, Barnard Crespi

"Visa and VoPay share a common goal of providing customers with a fast and reliable way to pay and be paid. Through Visa Direct, which has processed over 2 billion annual transactions, we are able to offer choice, flexibility and peace of mind to VoPay’s customers, knowing that each transaction is backed by the security, reach and capability of Visa’s global payments network."


"VoPay has been a company we have wanted to work with for some time. The issues for Canadian businesses and consumers with cross-border payments have been well documented and we are looking forward to changing this landscape with VoPay."


"VoPay is driving innovation in the Canadian payments space, and our partnership allows us to offer our clients reduced friction and improved customer satisfaction while opening new customer segments to VoPay."


"VoPay’s platform offers us unmatched flexibility in handling payments. By building our own customizable payment processing system on top of their API, we’re well-positioned to introduce advanced features like splitting rent payments on both the collection and disbursement sides. This infrastructure ensures that as our platform grows, we can adapt effortlessly to meet new demands."

- Co-Founder & CTO, Sparrow, Gavin Servai

"VoPay’s financial technology has been instrumental in helping us compete with industry giants like Costco, especially given their own credit card solutions. In a market where you need to stand out with product, pricing, and service, VoPay has given us the competitive edge we needed to differentiate ourselves and stay ahead."

- CFO, FoodsUp, Charley Chen

Get Started with VoPay

1. Speak To Our Team

Speak to a Fintech Advisor to outline your needs and impact plan.

2. Access Sandbox

Start testing in the VoPay sandbox to explore our advanced API functions.

3. Sign & onboard

Our compliance and onboarding team will guide you through the process.

4. Go live!

Choose a production date and launch your integration with confidence!

Get to know the VoPay API

Get access to our developer friendly API and get a feel for how our payment solutions work.

I agree to the VoPay API Terms of Use.

Request a Call

Talk with our sales team

We are happy to answer your questions. Fill out the form and we will have one of our team members contact you.