Open Banking Meets Intelligent EFT Payment Processing

Bring your bank account payments into the digital age with VoPay’s proprietary Intelligent EFT service - iQ11.

Embed bank account connection flows into your platform and tokenize customer details to push and pull EFT payments the smart way.

Intelligent Bank Account Payments For Business

Gain financial clarity with smarter payment technology that helps you make better business decisions.

Faster EFT Payments

Send EFT payments in near real-time using VoPay Instant to modernize your bank account transactions.

Account Tokenization

Generate iQ11 tokens for customer bank account details and use them for account verification and future payments.

Verify Bank Account Balance

Validate customer bank account details and verify available balances at the time of payment collection to reduce NSFs.

Unlimited Virtual Accounts

Separate EFT payments and control the flow of funds using VoPay’s Ledger Management technology.

How Do iQ11 Payments Work?

1

Customer Initiates Bank Connection

Through payment or onboarding, the customer securely logs onto their online banking through a custom embedded iFrame.

2

iQ11 Token Is Generated

Once a secure connection is made, VoPay generates a unique iQ11 token to identify the user’s selected bank account.

3

Bank Account Verification

VoPay then validates the bank account details and verifies the available funds and account performance history.

4

Tokens Can Be Reused

iQ11 tokens can be stored and used when calling API endpoints without the user providing bank details.

1

Customer Initiates Bank Connection

Through payment or onboarding, the customer securely logs onto their online banking through a custom embedded iFrame.

2

iQ11 Token Is Generated

Once a secure connection is made, VoPay generates a unique iQ11 token to identify the user’s selected bank account.

3

Bank Account Verification

VoPay then validates the bank account details and verifies the available funds and account performance history.

4

Tokens Can Be Reused

iQ11 tokens can be stored and used when calling API endpoints without the user providing bank details.

Remove Friction With Smart Embedded Payment Flows

Give your customers the ultimate payment experience by embedding transaction workflows into the core of your platform.

Drive more revenue, increase customer loyalty and provide a seamless user experience with iQ11's secure bank account connection technology.

Get Started

Maximize Payment Security With Tokenization

Avoid storing sensitive customer information such as bank account details by generating a unique token for them.

Tokens can be used to complete future payments, verify account balances and to monitor account performance, without requiring the user to provide credentials.

Explore API Docs

Speed Up EFT Processing Times With iQ11 Payments

iQ11 allows EFT processing times to be brought down substantially, with most transactions clearing in 1 business day.

You can even go one step further with our proprietary VoPay Instant payment rail, which allows you send money via EFT in real-time.

Explore VoPay Instant

Intelligent Payments Built For Any Industry

Our recipes are designed to give businesses in any industry a fast integration with the VoPay platform.

Instant earned wage access for workers to keep them loyal to your platform.

Low-cost deposits that arrive in your customers’ accounts instantly.

Handle large payments at scale and don’t leave your customers waiting.

Move money between bank accounts with speed, efficiency and control.

Better recurring billing and reduced fees for subscription platforms.

Easy EFT Collections on The VoPay Portal

Use the VoPay Portal to get started sending and collecting funds via EFT with ease.

Manage all your transactions in one place and use our accounting integrations to connect your payment data to your accounting software.

Unlock Smart EFT Payments With Our API

Build your own multi-channel payment processing setup and embed iQ11 payment flows into your platform using the VoPay API.

Use our dev docs and integration recipes to cut down development time and ensure a seamless launch for your platform.

  • cURL
  • JavaScript
  • PHP
  • Python

Unlock Smart EFT Payments With Our API

Build your own multi-channel payment processing setup and embed iQ11 payment flows into your platform using the VoPay API.

Use our dev docs and integration recipes to cut down development time and ensure a seamless launch for your platform.

Frequently Asked Questions

Learn More

  • What are EFT Payments? A Guide to Electronic Funds Transfer

    read more
  • Everything You Need To Know About EFT Banking in Canada

    read more
  • Top 10 Reasons to Use VoPay Electronic Funds Transfer Payments

    read more

Speak To Us About Ledger Management

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.