Terms of Use | Privacy Policy

Accept Incoming Payments With Inbound Interac e-Transfer®

Enable customers and partners to send you Interac e-Transfer payments with complete visibility into where the payment comes from

Use your own dedicated VoPay email address to receive money that originates from customers sending full or partial payments from their online banking platform.

Put Inbound Payments On Autopilot

Real-Time
Confirmation

Real-Time Confirmation

Get instant confirmation when a payor sends you money and get access to the funds straight away.

Filter Incoming
Payments

Filter Incoming Payments

Accelerate cash flow and delight your customers with payments that arrive almost instantly.

Faster
Transactions

Faster Transactions

Get paid in real-time using one of Canada’s most trusted and preferred payment methods.

Automated
Reconciliations

Automated Reconciliations

Connect your accounting software to VoPay to automatically reconcile incoming payments.

Manage Inbound Interac e-Transfer Payments With Dedicated Virtual Accounts

Manage Inbound payments using virtual accounts to receive and hold funds for greater control and visibility.

Separate incoming funds into virtual accounts for better cash management.

Example: A lending platform lets borrowers pay lenders back when they want and uses virtual accounts to manage balances accurately.

Give Customers’ More
Ways to Pay

Give Customers’ More Ways to Pay

Empower customers and partners to send payments without requiring an invoice or payment request, providing instant confirmation and full transparency of the payment's origin.

Allow borrowers to make partial repayments towards their outstanding balance instead of missing a complete loan payment, enhancing their experience and giving them greater flexibility over transactions.

Get Started With Inbound Interac e-Transfer

Receive Payments In Real-Time 24/7/365

Receive incoming payments at anytime of day, 365 days a year, with no delays due to holidays or weekends.

Lookup payments using our API or see everything in one place on our user-friendly online Portal.

Learn More About Interac e-Transfer Payments

Receive Payments In Real-Time 24/7/365

Receive incoming payments at anytime of day, 365 days a year, with no delays due to holidays or weekends.

Lookup payments using our API or see everything in one place on our user-friendly online Portal.

Learn More About Interac e-Transfer Payments

Inbound Payments For Any Industry

Our integration recipes are designed to give multipleindustries the tools needed to accelerate development time.

Investment

Receive payments from investors, letting them add funds when they wish.

Lending

Let borrowers pay back loans when they like to pay off balances in installments.

Property

Enable tenants to send landlords monthly rent payments.

Account To Account

Enable Inbound Interac e-Transfer on your platform for your customers.

SaaS

Let users send your platform money via Inbound Interac e-Transfer.

Lookup Inbound Payments Using The API

Hit a single endpoint on our API to lookup Inbound Interac e-Transfers and keep track of incoming transactions with ease.

Every payment is given a unique TransactionID so it can be tracked and traced to contacts, so you know exactly how much you have received.

  • cURL
  • JavaScript
  • PHP
  • Python

Lookup Inbound Payments Using The API

Hit a single endpoint on our API to lookup Inbound Interac e-Transfers and keep track of incoming transactions with ease.

Every payment is given a unique TransactionID so it can be tracked and traced to contacts, so you know exactly how much you have received.

Manage Payments From Our Online Portal

Search and filter for Inbound e-Transfer payments from our user-friendly online Portal to keep track of payors and match incoming funds with contacts.

Our online Portal makes managing Contacts and Multi-Level Accounts seamless, ensuring you can add new Contacts quickly and see all your payment operations in one place.

Book A Demo

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

Speak to a Fintech Specialist 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!

Get Started

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.