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Canada’s Most Flexible Interac e-Transfer® API For Business Payments

Get access to Canada’s favourite payment method with Interac e-Transfer® fully optimized for business use on the VoPay platform.

Send and receive unlimited Interac e-Transfers with commercial limits of up to $25,000, and get the power to monetize payments and drive new revenue streams with our Payments-as-a-Service solution.

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See How Much You Could Save With Interac e-Transfer For Business:

Credit Card Cost

Interac e-Transfer Cost*

Transaction Amount
$25K
Transaction Volume
5K

1.5%

3.5%

Credit Card Rate

*Transaction cost depends on price plan

Interac e-Transfer Payments Processed On The VoPay Network

$

Processed In Interac e-Transfer Transactions (CAD)

Maximize Your Business Growth with Powerful Interac e-Transfer Technology

Industry leaders across Canada leverage Interac e-Transfer for Business through VoPay's technology to move money in real-time with complete visibility and control, providing customers with an enhanced payment experience.

Frictionless
Payments At Scale

Frictionless Payments At Scale

Simplify the payment experience for your customers by sending and receiving funds with just a name and email address.

Real-Time
Transactions

Real-Time Transactions

Improve your cashflow and delight your customers with Interac e-Transfer payments that arrive almost instantly.

Commercial
Limits

Commercial Limits

Move money at scale and level up your business operations with Interac e-Transfer payments up to $25,000.

Scalable API
Integration

Scalable API Integration

Integrate with the VoPay API to embed Interac e-Transfer into your platform or start processing from our portal.

Send & Request Unlimited Interac e-Transfer Business Payments 24/7/365

Send & Request Unlimited Interac e-Transfer Business Payments 24/7/365

Scale your business payments with Interac e-Transfer Bulk Payables & Receivables and accept partial payments with Inbound Interac e-Transfer payments.

  • Send

  • Request

  • Bulk Payables

  • Bulk Receivables

  • Inbound

  • Send up to $25,000 quickly and easily using just a name and email address.

    Example: An insurance company streamlines the claim payout process with Interac e-Transfer payments.

Send Funds With Interac e-Transfer Bulk Payouts

Send Interac e-Transfers payments to employees, suppliers and partners in seconds with real-time deposit confirmation, advanced reporting and intelligent insights into your transactions.

Explore Interac e-Transfer Payouts

Send Funds With Interac e-Transfer Bulk Payouts

Send Interac e-Transfers payments to employees, suppliers and partners in seconds with real-time deposit confirmation, advanced reporting and intelligent insights into your transactions.

Explore Interac e-Transfer Payouts

Request Money To Get Paid
In Real-Time

Request Money To Get Paid In Real-Time

Request money from customers, partners and clients using Canada’s favourite payment method. Send requests from our online Portal or embed request workflows into your platform.

Explore Interac e-Transfer® Request Money

Accept Inbound Payments With Clarity

Accept Inbound Interac e-Transfers from customers and clients with full visibility into the payment source, and seamlessly receive partial payments towards outstanding balances.

Explore Inbound Interac e-Transfer

Accept Inbound Payments With Clarity

Accept Inbound Interac e-Transfers from customers and clients with full visibility into the payment source, and seamlessly receive partial payments towards outstanding balances.

Explore Inbound Interac e-Transfer

Interac e-Transfer Payments For Any Canadian Business

Our integration recipes are designed to give Canadian industries the tools to build Interac e-Transfer payments into their products and services quickly and easily.

Gig Economy

Simple earned wage access using just an email address for instant deposits.

Gig Economy

Simple earned wage access using just an email address for instant deposits.

Lending

Let customers choose Interac e-Transfer for loan payouts and increase revenue.

Lending

Let customers choose Interac e-Transfer for loan payouts and increase revenue.

Property

Build hassle-free rent collections into your platform with e-Transfer.

Property

Build hassle-free rent collections into your platform with e-Transfer.

Account To Account

Move money between accounts with bulk file uploads and lower costs.

Account To Account

Move money between accounts with bulk file uploads and lower costs.

SaaS

Pay and get paid on your platform using Canada’s favourite payment method.

SaaS

Pay and get paid on your platform using Canada’s favourite payment method.

Developer-Centric Interac e-Transfer API

Integrate with our single Interac e-Transfer API that gives you enhanced control of your payment setup and complete freedom to customize your Interac e-Transfer payment flows.

Get access to our complete set of payment rails including EFT, credit card, ACH, Visa Direct & more, with dev-focused SDKs for a fast integration.

  • cURL
  • JavaScript
  • PHP
  • Python

Developer-Centric
Interac e-Transfer API

Integrate with our single Interac e-Transfer API that gives you enhanced control of your payment setup and complete freedom to customize your Interac e-Transfer payment flows.

Get access to our complete set of payment rails including EFT, credit card, ACH, Visa Direct & more, with dev-focused SDKs for a fast integration.

Send & Collect Bulk Payments From Our Online Portal

Manage Interac e-Transfer for business payments with confidence from our dedicated no-code payment portal that gives you access to the same powerful tools as our API.

Create bulk Interac e-Transfer collections and monitor the status of your transactions from start to finish for complete understanding of your transactions.

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Frequently Asked Questions

What Is Interac e-Transfer for Business?
Interac e-Transfer for Business is a money-transfer service for Canadian companies that uses online banking to move funds from one account to another. It allows businesses to receive money from customers quickly and securely by using only an email address. The funds are transferred from one account to another in real-time using established and secure banking procedures.
What is the processing time for Interac e-Transfer for Business?

Payments

Transactions are processed in near real-time but can take up to 30 minutes, depending on your bank or credit union. Interac will process the transactions and send the transfers as soon as possible, based on system availability. At VoPay, we run a program that checks for new Interac e-Transfer payments every 3 minutes.

Inbound Interac e-Transfer

Once the Interac e-Transfer has been sent by the client to the customized email configured by the VoPay administrator, the funds will be available in your VoPay accounts immediately.

Request Money

When you Request Money using Interac e-Transfer, an email or text message is sent to the recipient typically within 1 minute, though some notifications may take up to 30 minutes. Once the end-user has processed the request, funds will be sent in near real-time to your VoPay account.
What’s the Interac e-Transfer for Business fund limit?
The Interac e-Transfer limit per payment is $25,000.
Can I request an Interac e-Transfer from a customer?
Yes you can request single and bulk Interac e-Transfer payments from customers.
Can I cancel an Interac e-Transfer payment?
You can cancel an Interac e-Transfer payment at any time as long as it hasn’t been accepted by the recipient.
What happens if the recipient does not accept the funds?
Usually transactions will expire in 30 days, however VoPay clients have the ability to specify a specific expiry date if desired. Upon expiration, funds that were sent will automatically be redeposited into the sender’s account.
Will every bank in Canada accept an Interac e-Transfer?
With Interac e-Transfer for Business, you can send single or multiple Interac e-Transfer payments that will be accepted at 250 financial institutions. See a complete list here.
What are some common use cases for the Interac e-Transfer for Business payment solution?
The Interac e-Transfer for a business solution can be used for a wide range of purposes, with payment flows customizable to suit business needs. Some common payment use case includes:

Earned Wage Access

Employers can send real-time payouts of earned wages to workers using only an email address.

Lending

Lenders can offer a real-time loan funding option and exceed customer expectations when they need money quickly.

Insurance

Optimize the insurance claim payout process and maximize customer satisfaction.

Gig Economy

Companies can give gig workers the option to receive speedy payouts for their work.

Accounts Payable

Interac e-Transfer for Business makes it possible to send payments to vendors quickly and easily, saving time and reducing paperwork.
Is Interac e-Transfer for Business just for sending payments?
No. This is a robust payment solution for many of your business needs. VoPay clients can send single or bulk payments, request money from their clients and utilize Inbound Interac e-Transfer to receive payments. Basically, you can send, request, or receive payments 24/7/365 to or from anywhere across Canada.

eBook

VoPay x Interac Solution

A Comprehensive Guide to Faster Payment Processing

Maximize the Value of Interac e-Transfer® for Business. This guide provides actionable insights on how integrating Interac e-Transfer for Business through VoPay’s API unlocks greater control, efficiency, and scalability for your financial operations.

Learn More

Talk to a Fintech Advisor 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!

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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.