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Access Instant Bank Account Payments In Canada

VoPay Instant empowers Canadian businesses with fast, near-real-time bank account payments, ideal for time-sensitive transactions across industries.

With our Payments-as-a-Service solution, enhance customer experiences and elevate your platform's value by enabling instant payments and unlocking new revenue streams.

Leverage One Platform for End-to-End Payment Operations

Instant Bank
Account Payouts

Instant Bank Account Payouts

Use eLinx™ to tokenize customer bank account credentials and use tokens to process payouts accurately and securely.

Tokenize Account
Credentials

Tokenize Account Credentials

Use iQ11 to tokenize customer bank account credentials and use tokens to process payouts accurately and securely.

Fast Integration
Times

Fast Integration Times

Access developer support, integration recipes and comprehensive docs to help you go live in less than three weeks.

Unlimited Virtual
Accounts

Unlimited Virtual Accounts

Move money and segregate funds with confidence using VoPay’s Ledger Management technology.

How Do VoPay Instant Payments Work?

Collect Customer
Banking Details

Collect Customer Banking Details

Customer can either provide bank account info manually, or use eLinx for bank account connection and tokenization.

VoPay Instant
Payout Initiated

VoPay Instant Payout Initiated

The payment is initiated through a single API endpoint using customer bank account credentials or a token.

Transaction Enters
The Network

Transaction Enters The Network

Once the transaction has been initiated, it then enters the network and will be deposited into the recipient's bank accounts.

Funds Are
Deposited

Funds Are Deposited

Funds are deposited to the recipient's bank account in just a few minutes. Payments are traceable and easily reconciled.

Access Real-Time bank Payouts To Accelerate Cash Flow

Speed up cash flow and accelerate your business operations with VoPay’s instant payment network, enabling real-time fund delivery to Canadian bank accounts with funding limits up to $25,000.

VoPay Instant facilitates payments anytime, 365 days a year, eliminating cut-off times and banking holidays.

Explore Payment-as-a-Service

Use eLinx™ To Connect Customer Bank Accounts To Your Platform

Use VoPay’s white-label payment link product, eLinx, to automate the collection of payment information from customers through our bank account connection workflows.

eLinx tokenizes and securely stores bank account details for future payments, allowing businesses to easily scale their bank account transactions.

Get eLinx Connect

Use eLinx™ To Connect Customer Bank Accounts To Your Platform

Use VoPay’s white-label payment link product, eLinx, to automate the collection of payment information from customers through our bank account connection workflows.

eLinx tokenizes and securely stores bank account details for future payments, allowing businesses to easily scale their bank account transactions.

Get eLinx Connect

Process Bank Payments At Any Velocity

Whatever your payment timeline, VoPay’s suite of payment methods helps you meet your funding targets.

VoPay Instant, our fastest bank account payment rail, provides a competitive edge, enabling access to new revenue streams. Transaction limits apply.

Explore Payment Methods

Instant Payouts For Any Industry

Check out our integration recipes to help speed up deployment for your industry use-case.

Gig Economy

Enable gig platform users real-time earned wage access and retain more members.

Lending

Pay out loans to borrowers in real-time to delight your customers and beat competition.

Property

Send payments to landlords, realtors and lawyers in real-time and scale faster.

Account To Account

Send instant claims payouts to customers with full tracking and reporting.

SaaS

Send instant payments and refunds instantly to customers.

One API For Smarter Payment Operations

Leverage our single-layer API to embed a full suite of payment rails, including VoPay Instant, into your platform or application in as little as 2 weeks.

Test in our sandbox and build out your optimal payment setup using our comprehensive developer docs and industry-specific recipes.

  • cURL
  • JavaScript
  • PHP
  • Python

One API For Smarter Payment Operations

Leverage our single-layer API to embed a full suite of payment rails, including VoPay Instant, into your platform or application in as little as 2 weeks.

Test in our sandbox and build out your optimal payment setup using our comprehensive developer docs and industry-specific recipes.

Mission Control For Real-Time Payments

Access VoPay’s online Portal alongside our API or as a stand-alone tool to process payments, monitor transactions, and generate detailed reports for advanced financial insights.

View account balances, access detailed reports, and analyze each step of the payment journey to make informed business decisions.

Book A Demo

Frequently Asked Questions

What is VoPay Instant?
VoPay Instant is a proprietary payment rail that lets business send funds in near real-time to Canadian bank accounts. Companies can send transfer amounts of up $25,000 per transaction.
Can I send and collect funds with VoPay Instant?
VoPay Instant is single-direction network and allows for push transactions only. This means you can send funds but you cannot collect them.
Are the transfers really instant?
The network operates in near real-time, meaning most transfers arrive in the recipients bank account in just a few minutes.
Are the transfers reversible?
Once a VoPay Instant payment is deposited, it is irreversible. Cancellation attempts can be made in the short space of time between initiation and confirmation.

Learn More

Speak to a Fintech Specialist Today!

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 Started

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.