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Embedded Payment Rails In Canada, The US & Beyond

Move money instantly and build embedded payment methods into your products and services with VoPay’s complete stack of payment rails.

Explore New Markets

Expand your reach and capture new revenue in unexplored markets to scale your business.

Real-Time Payments

Get access to VoPay’s extensive suite of payment rails, including EFT, Interac e-Transfer and ACH.

Delight More Customers

Offer multiple payment methods and reduce friction to give your customers an experience to remember.

Single API Integration

Build VoPay’s complete stack of financial technology into your products with just one API.

The Best Digital Experiences Start With Embedded Payment Methods

At VoPay, we stand for financial inclusion, smarter transactions and embedded experiences for all. Find out why our partners and clients come to us for faster and more efficient payment rails as part of our Fintech-As-A-Service stack.

Electronic Funds Transfer (EFT)
Send and collect funds from Canadian bank accounts using our EFT payment service.
Interac e-Transfer For Business
Send and collect in real-time using the Interac e-Transfer network with commercial funding limits.
VoPay Instant
Access VoPay’s real-time bank account payment service in Canada to push funds to clients and customers.
Automated Clearing House (ACH)
Send and collect account-to-account payments on the largest bank account network in the USA.
COMING SOON
FedNow
Federally insured instant payments to US bank accounts.
COMING SOON
RTP®
Send payments instantly to US bank accounts using RTP® from The Clearing House.
Visa Direct
Send money in real-time to any Visa card or account holder on the Visa network.
COMING SOON
Credit Card
Process credit card payments at a competitive rates and complete your payment processing line-up.
COMING SOON
Mastercard Send
Send money in real-time to any Mastercard account holder.
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Get The Right Payments For Your Industry

  • GIG ECONOMY

  • LENDING

  • PROPERTY

  • MARKETPLACES

  • SAAS

  • Send gig worker earnings directly to their bank account automatically and at scale.

    Send money on-demand in near real-time to gig workers’ bank accounts.

    Send money instantly to Visa and Mastercard holders on your platform.

    46%

    of gig workers want to get paid faster

    2020 VISA SURVEY

    Offer Instant Earned Wage Access

    Keep more users on your platform by giving them access to their earnings in real-time with instant earned wage payouts.

  • GIG ECONOMY

  • LENDING

  • PROPERTY

  • MARKETPLACES

  • SAAS

  • Send gig worker earnings directly to their bank account automatically and at scale.

    Send money on-demand in near real-time to gig workers’ bank accounts.

    Send money instantly to Visa and Mastercard holders on your platform.

    46%

    of gig workers want to get paid faster

    2020 VISA SURVEY

    Offer Instant Earned Wage Access

    Keep more users on your platform by giving them access to their earnings in real-time with instant earned wage payouts.

  • Send loans to Canadian customers instantly using just an email address.

    Connect customer bank accounts for automatic collections and reduced NSFs.

    Send loans to customer bank accounts in near real-time.

    53%

    of people prefer same-day loan payouts

    2021 SMARTER LOANS STUDY

    Fund Loans Instantly & Automate Collections

    Give customers a frictionless lending experience with instant payouts, partial collections, bank account connection and more.

  • Verify customer bank accounts and setup automatic rent collections.

    Send funds to landlords in near real-time using bank account details.

    Collect rent via Interac e-Transfer to make payments hassle-free for tenants.

    34%

    of real estate firms still use paper cheques

    2020 VISA SURVEY

    Move Funds Across Multiple Payment Rails

    Collect rental payments and send payouts to landlords using intermediary accounts to separate the flow of funds.

  • Disperse funds to sellers and send refunds to customers on your platform.

    Connect customer bank accounts for easy on-demand payments and reduced fees.

    Accept payments from buyers via credit card and take commission on the sale.

    60%

    would switch marketplaces for faster payouts

    2020 VISA SURVEY

    Frictionless Payment Methods For Platforms

    Pay your vendors faster and collect payments using multiple payment methods to scale your marketplace user base.

  • Automate collections and reduce return fees by verifying customer accounts.

    Push funds to platform members and external bank accounts in near real-time.

    Let platform users pay and get paid using just a name and email address.

    40%

    of consumers want better recurring billing

    2020 VISA SURVEY

    Retain Users With Simplified Recurring Billing

    Offer easy payment options to customers and use virtual wallets to separate incoming and outgoing funds.

    • Canadian Payments Uncovered

    Read our rundown of Canada’s payment methods and how you can make the most of them.

    Read The Guide

    Frequently Asked Questions

    What are payment rails?
    A payment rail is the underlying network that facilitates the transfer of digital funds between payers and payees. Payment rails differ in their base infrastructure and how they carry out the movement of digital assets. Some payment rails can move funds in both directions i.e. push and pull transactions, and some can only move funds in one direction, like push-to-card for example.
    Can I use multiple payment rails with VoPay?
    Yes, VoPay facilitates the use of multiple payment rails through our API or Payment Portal.
    Do you offer instant payment rails?
    Yes, VoPay offers several instant or real-time payment methods, including Interac e-Transfer, VoPay Instant and RTP.
    What are the costs associated with each payment rail?
    Transaction costs depend on volume and your VoPay price plan. Please contact sales for a quote based on your requirements.

    Speak to a Fintech Advisor Today!

    Get Started
    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!

    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.