Real-Time Bank Account Payments

Real-time processing transforms how money is managed and provides a strategic platform for disruptive innovation.

Disburse real-time payments 24/7 with VoPay’s instant payment technology. Create a free sandbox account to access our API technology, or inquire with our expert payments team to discuss your use case.

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Trusted by Canada's Leading Financial Institutions

API or Portal Access
Push funds through batch files using our online Portal or developer-friendly API. Customize payment flows, simplify payouts and access real-time financial reporting.
Real-Time EFT Funding
VoPay Instant EFT payment solution supports instant settlement of funds, making it a great option for merchants who need a fast and reliable cash flow.
Secure Tokenization
Secure encryted tokens are issues to stand in for real account numbers when sending payment to reduce potential for theft and fraud.
White-Label EFT Solution
Customize payment flows to suit your business and clients’ needs. Our technology matches your brand to enable a personalized payment experience.

Instant Disbursement
Eliminate long wait times for customers and gain a competitive edge over other businesses with VoPay’s Instant which enables digital platforms to instantly disburse funds.
Payment Transparency
Enjoy complete visibility over payments flows and real-time transaction updates. Automate reconciliations and access detailed reporting with VoPay’s intuitive platform.

API Integration

Deployed through a single API, our payment services are customizable and configurable solutions that integrate into your existing software infrastructure.

Tokenized technology enhances security and supported webhooks allow us to communicate with your system, keeping you informed on the status of all transactions.

view api documentation view api documentation

cURL
JavaScript
PHP
Python

1curl --request POST \
2--url https://earthnode-dev.vopay.com/api/v2/rtr/withdraw \
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.lovelace@gmail.com \
11--data 'RecipientName=Ada Lovelace' \
12--data 'Question=What is 2+2' \
13--data Answer=4
1sdk.RtrWithdrawPost({
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/rtr
2/withdraw', [
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/rtr/withdraw"
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.lovelace@gmail.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)