Payments Processing for Lenders | Fund Loans in Real-Time

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Partners

Borrowers today demand fast, flexible and secure
payments.

VoPay’s unified payment technology eliminates the
friction of loan collections and reconciliations, enabling lenders to access real-time payment capabilities and automated collections.

By digitizing the entire loan process with data-driven technology, the risk of failed and NSF payments are eliminated, resulting in improved cash flow and reduced back-office administration for lenders.

Creating a faster funding and collections experience is critical for borrower retention. Accelerate the funding process by offering a real-time payout experience. Automate loan repayment with one-time or recurring payments as desired.

send
receive
mass payments
combination

Initiate direct bank payments to send money to users or service providers.
Example: With EFT credits, money is deposited into a bank account, commonly used to pay vendors and suppliers for products and services, issuing loans payouts or employee payroll.
Debit any bank account with complete visibility throughout the transaction lifecycle with account and balance verification.
Example: EFT debits or pull can be used to pay bills and invoices online using a bank account. Commonly used for subscriptions or recurring billing, loan repayments etc.
Pay, debit, track and reconcile payments to and from multiple customers.
Streamline the process of pulling or pushing bulk EFT payments. Example: A SaaS platform that charges customers a monthly fee for access to various services through their platform.
Use a combination of all payment flows to meet your client’s needs.

VoPay user-friendly client dashboard is mission control for transaction management and reporting.

Real-time visibility of merchant payments
Manage merchant
sub-accounts
Bulk file upload for EFT and e-Transfer
Bulk file upload for EFT and
e-Transfer

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End-to End
Payment Engine
Enable safe, efficient and frictionless real-time bank account payments with complete transaction visibility using a single API connection.
Flexible API
Technology
Our API-driven technology embeds payment processing services into any LMS or ERP software, simplifying the complexity of local payment methods.
Intelligent
Payment Tools
Eliminate failed payments and slow processing with next-generation payment tools including data intelligence and bank account verification.

API Integration

Manage the full cycle of money movement from payment to reconciliation in a fully integrated, automated and transparent way.

view api docs get api key

cURL
JavaScript
PHP
Python

1curl --request POST \
2--url https://earthnode-dev.vopay.com/api/v2/interac/bulk-payout \
3--header 'accept: application/json' \
4--header 'content-type: application/x-www-form-urlencoded' \
5--data 'AccountID={AccountID}' \
6--data 'Key={APIKey}' \
7--data 'Signature={Signature}' \
8--data Amount=1000 \
9--data Currency=CAD \
10--data EmailAddress=ada.[email protected].com \
11--data 'RecipientName=Ada Lovelace' \
12--data 'Question=What is 2+2' \
13--data Answer=4
1sdk.InteracBulkPayoutPost({
2AccountID: '{AccountID}',
3Key: '{APIKey}',
4Signature: '{Signature}',
5Amount: 1000,
6Currency: 'CAD',
7EmailAddress: '[email protected]',
8RecipientName: 'Ada Lovelace',
9Question: 'What is 2+2',
10Answer: '4'
11}, {accept: 'application/json'})
12.then(res => console.log(res))
13.catch(err => console.error(err));
1$response = $client->request('POST', 'https://earthnode-dev.vopay.com/api/v2/interac
2/bulk-payout', [
3'form_params' => [
4'AccountID' => '{AccountID}',
5'Key' => '{APIKey}',
6'Signature' => '{Signature}',
7'Amount' => 1000,
8'Currency' => 'CAD',
9'EmailAddress' => '[email protected]',
10'RecipientName' => 'Ada Lovelace',
11'Question' => 'What is 2+2',
12'Answer' => '4'
13],
14'headers' => [
15'accept' => 'application/json',
16'content-type' => 'application/x-www-form-urlencoded',
17],
18]);
1url = "https://earthnode-dev.vopay.com/api/v2/interac/bulk-payout"
2payload ="AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D&Amount=1000&Currency=CAD&EmailAddress=ada.lovelace%40gmail.com&RecipientName=Ada%20Lovelace&Question=What%20is%202%2B2&Answer=4"
"AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature
3%7D&Amount=1000&Currency=CAD&EmailAddress=ada.lovelace%40gmail.com&
4RecipientName=Ada%20Lovelace&Question=What%20is%202%2B2&Answer=4"
5headers = {
6"accept": "application/json",
7"content-type": "application/x-www-form-urlencoded"
8}
9response = requests.post(url, data=payload, headers=headers)
10print(response.text)

cURL
JavaScript
PHP
Python

1curl --request POST \
2--url https://earthnode-dev.vopay.com/api/v2/interac/bulk-payout \
3--header 'accept: application/json' \
4--header 'content-type: application/x-www-form-urlencoded' \
5--data 'AccountID={AccountID}' \
6--data 'Key={APIKey}' \
7--data 'Signature={Signature}' \
8--data Amount=1000 \
9--data Currency=CAD \
10--data EmailAddress=ada.[email protected].com \
11--data 'RecipientName=Ada Lovelace' \
12--data 'Question=What is 2+2' \
13--data Answer=4
1sdk.InteracBulkPayoutPost({
2AccountID: '{AccountID}',
3Key: '{APIKey}',
4Signature: '{Signature}',
5Amount: 1000,
6Currency: 'CAD',
7EmailAddress: '[email protected]',
8RecipientName: 'Ada Lovelace',
9Question: 'What is 2+2',
10Answer: '4'
11}, {accept: 'application/json'})
12.then(res => console.log(res))
13.catch(err => console.error(err));
1$response = $client->request('POST', 'https://earthnode-dev.vopay.com/api/v2/interac
2/bulk-payout', [
3'form_params' => [
4'AccountID' => '{AccountID}',
5'Key' => '{APIKey}',
6'Signature' => '{Signature}',
7'Amount' => 1000,
8'Currency' => 'CAD',
9'EmailAddress' => '[email protected]',
10'RecipientName' => 'Ada Lovelace',
11'Question' => 'What is 2+2',
12'Answer' => '4'
13],
14'headers' => [
15'accept' => 'application/json',
16'content-type' => 'application/x-www-form-urlencoded',
17],
18]);
1url = "https://earthnode-dev.vopay.com/api/v2/interac/bulk-payout"
2payload ="AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature%7D&Amount=1000&Currency=CAD&EmailAddress=ada.lovelace%40gmail.com&RecipientName=Ada%20Lovelace&Question=What%20is%202%2B2&Answer=4"
"AccountID=%7BAccountID%7D&Key=%7BAPIKey%7D&Signature=%7BSignature
3%7D&Amount=1000&Currency=CAD&EmailAddress=ada.lovelace%40gmail.com&
4RecipientName=Ada%20Lovelace&Question=What%20is%202%2B2&Answer=4"
5headers = {
6"accept": "application/json",
7"content-type": "application/x-www-form-urlencoded"
8}
9response = requests.post(url, data=payload, headers=headers)
10print(response.text)

Integration Support

Your success is our success. Our expert support and development team will help you design your integrated payments experience with dedicated support to keep things running smoothly.

Easy Onboarding

Onboard your customers’ faster using VoPay’s integrated technology. We handle all the security, KYC and data tokenization so you dont have to.

Integration Support

Your success is our success. Our expert support and development team will help you design your integrated payments experience with dedicated support to keep things running smoothly.

Easy Onboarding

Onboard your customers’ faster using VoPay’s integrated technology. We handle all the security, KYC and data tokenization so you dont have to.

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Enhance Borrower's Experience With Real-Time
Payment Automation

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

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

Payment Rails

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e-Transfer For Business

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Simple, Automated Payment Technology Solutions for Lenders

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VoPay Is An Award-Winning Payment Platform Trusted By Hundreds Of Lenders Across Canada

Real-Time Loan Disbursements and Automated Collections 24/7/365

Initiate direct bank payments to send money to users or service providers.

Debit any bank account with complete visibility throughout the transaction lifecycle with account and balance verification.

Pay, debit, track and reconcile payments to and from multiple customers.

Use a combination of all payment flows to meet your client’s needs.

Intuitive Dashboard & Analytics

Intelligent Payment Solutions To Streamline The Entire Payment Process

A Highly Flexible Payment Technology With Seamless Integration Into Your Existing Loan Management Software

End-to End Payment Engine

Flexible API Technology

Intelligent Payment Tools

API Integration

Build custom workflows and configurable payment solutions using a single API layer

Integration Support

Easy Onboarding

Integration Support

Easy Onboarding

Proudly Supported By Industry Leaders Across North America

Additional Resources for Lenders

Integrated Payment Solutions Have Beco...

A Complete Guide to e-Transfer for Business

Developer Zone

Enhance Borrower's Experience With Real-Time Payment Automation

Enhance Borrower's Experience With Real-Time Payment Automation

Get to know the VoPay API

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End-to End
Payment Engine

Flexible API
Technology

Intelligent
Payment Tools

Proudly Supported By Industry Leaders
Across North America

Enhance Borrower's Experience With Real-Time
Payment Automation