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Get Paid In Real-Time With Interac e-Transfer® Request Money

Use Interac e-Transfer Request Money solution to get paid instantly using Canada’s favourite payment method.

Collect funds using the existing Interac workflow, or use VoPay’s Embedded Money Request product to build requests into your existing application or platform for the ultimate user experience.

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The Fastest Money Request Solution For Enterprises

Instant
Confirmation

Instant Confirmation

Get real-time confirmation when a payor accepts a Money Request and access the funds immediately in your account.

Embedded
Money Request

Embedded Money Request

Embed money requests into your application or business platform to provide an exceptional user experience.

Real-Time
Transactions

Real-Time Transactions

Speed up cash flow within your business with instant Money Requests that make funds available instantly.

Seamless
Setup

Seamless Setup

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

Manage Payment Requests At Scale With Complete Control & Visibility

Request money via Interac e-Transfer and deposit funds into dedicated virtual accounts for better cash management.

Separate incoming funds into virtual accounts for better control of your cash flow.

Example: A property management platform sets up a virtual account for each landlord so they can receive rent payments from tenants.

Embedded Interac e-Transfer Request Money

Let users complete money requests from within your business platform, before redirecting them to their online banking to complete the transaction.

Make payment requests frictionless for your users by hosting the experience on your web or mobile application as an iFrame.

View Interac e-Transfer Request Money Endpoints

Embedded Interac e-Transfer Request Money

Let users complete money requests from within your business platform, before redirecting them to their online banking to complete the transaction.

Make payment requests frictionless for your users by hosting the experience on your web or mobile application as an iFrame.

View Interac e-Transfer Request Money Endpoints

Request Payments In Bulk Via Email or Text

Use the trusted and secure Request Money service through email to streamline the process of collecting funds in bulk from customers or partners in Canada.

Get instant notification of fulfilled requests and get access to collected funds straight away.

Get Started With Interac e-Transfer Request Money

Receive Payments In Real-Time 24/7/365

Send out requests and receive payments at anytime of day, 365 days a year, with no downtime due to holidays or weekends.

Cancel payments using our API or online Portal at anytime before the request is accepted by the payor.

Learn More About Interac e-Transfer Payments

Receive Payments In Real-Time 24/7/365

Send out requests and receive payments at anytime of day, 365 days a year, with no downtime due to holidays or weekends.

Cancel payments using our API or online Portal at anytime before the request is accepted by the payor.

Learn More About Interac e-Transfer Payments

Embedded Interac e-Transfer® Request Money For Your Industry

Embed Interac e-Transfer® Request Money directly into your invoices, website, or platform, allowing customers to complete payments without leaving your site for a fully integrated payment experience.

  • Investment

  • Subscription

  • eCommerce

  • Lending

  • Accounts Receivables

  • Integrate Interac e-Transfer® Request Money inside your investment platform or app to let clients fund accounts or approve transactions without leaving. With a light integration, you keep users in one place, reduce drop-offs, and add a secure, auditable approval flow that fits how your product already works.

    How it works

    1. Trigger a Request Money call from your trade, funding, or billing screen.
    2. Notify & approve: the client reviews details and approves the request in-app.
    3. Confirm & post: receive the status webhooks, update balances, and finalize the transaction.

  • Investment

  • Subscription

  • Lending

Integrate Interac e-Transfer® Request Money inside your investment platform or app to let clients fund accounts or approve transactions without leaving. With a light integration, you keep users in one place, reduce drop-offs, and add a secure, auditable approval flow that fits how your product already works.

How it works

  1. Trigger a Request Money call from your trade, funding, or billing screen.
  2. Notify & approve: the client reviews details and approves the request in-app.
  3. Confirm & post: receive the status webhooks, update balances, and finalize the transaction.

Embed Interac e-Transfer® Request Money directly into your subscription platform or app to make recurring and one-time payments effortless. Whether you manage gym memberships, online courses, or app subscriptions, customers can approve payments right where they interact with your service, no redirects or manual entry.

How it works

  1. Present the request – Trigger a Request Money prompt when a subscription starts or renews.
  2. Customer approves – Users review details and authorize payment instantly within your app or site.
  3. Receive confirmation – Get real-time payment status updates and automatically activate access or renewals.

Embed Interac e-Transfer® Request Money into your lending platform or borrower portal to simplify loan collections—whether it’s one-time repayments or recurring installments. Borrowers can review and approve payments directly within your app, website, or even through a secure link, eliminating friction and manual follow-ups.

How it works

  1. Send a payment request – Trigger it automatically for due or recurring loan payments.
  2. Borrower approves – The borrower reviews and authorizes the payment instantly within your platform or message flow.
  3. Receive funds – Get real-time confirmation and update repayment records automatically.

Automate Payment Requests Using Our Interac e-Transfer API

Create a single or bulk collection by hitting one endpoint on our API, and use dedicated parameters to control functions such as email or embedded workflows.

Get Money Request details from the API on request and see indepth information about the collection, like status and failure reasons.

  • cURL
  • JavaScript
  • PHP
  • Python

Automate Payment Requests Using Our Interac e-Transfer API

Create a single or bulk collection by hitting one endpoint on our API, and use dedicated parameters to control functions such as email or embedded workflows.

Get Money Request details from the API on request and see indepth information about the collection, like status and failure reasons.

Manage Collections From Our Online Merchant Portal

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

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.

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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.

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.

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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.