Pre-Authorized Debit Canada | Digital PAD Payment Services

Developer Zone

Partners

The existing way of collecting Pre-Authorized Debit is outdated and time-consuming. Our digital PAD experience allows merchant to collects single or recurring funds safely and securely by sending a single payment link that includes embedded PAD agreements into all payment flows.

Text, email or embed a simple payment link into your existing payment flow to start collecting digital PAD today.

Get Started GET API KEY

Trusted by Canada's Leading Financial Institutions

Today’s consumers expect diverse digital payment options. Today’s payment journey needs to be contactless, seamless and secure. Pre-authorized debits (PADs) have become the easiest way for consumers to pay bills and make recurring payments automatically.

Optimize your entire pre-authorized debit process with VoPay’s revolutionary account-to-account payment solutions.

How It Works

Step 1
The merchant sends the payor a secure payment link or the customer selects the PAD option during checkout
Step 2
Once the end user clicks on the payment link they can securely connect their online bank account

Step 3
VoPay validates the payers bank account information and available funds
Step 4
VoPay tokenizes the data and gives it to the merchant enabling single or recurring collections to take place at the given date

Deployed through a single API, our payment services are customizable and configurable solutions that integrate into your existing infrastructure.

Schedule A Demo GET API KEY

VoPay’s data-driven PAD solution digitizes the entire process, managing the collection process on behalf of the merchant. With iQ11, businesses can manage payments, monitor the transaction lifecycle and validate the bank account before the time of the transaction. Automatically collect one-off or recurring payments once the consumer connects to their bank account the first time.

VoPay vs Traditional PAD	VoPay PAD Solution (iQ11)	Traditional PAD
Prevent NSF fees by having visibility into available funds
Validate transaction status access to funds within T+1 business days
Verify users identities and bank information before the transaction
Credit card alternative for e-commerce checkout and recurring payments
Tokenize bank account information significantly enhancing payment security
100% paperless and mobile-first experience

VoPay vs Traditional PAD	VoPay PAD Solution (iQ11)	Traditional PAD
Prevent NSF fees by having visibility into available funds
Validate transaction status access to funds within T+1 business days
Verify users identities and bank information before the transaction
Credit card alternative for e-commerce checkout and recurring payments
Tokenize bank account information significantly enhancing payment security
100% paperless and mobile-first experience

If you're a business that receives single or recurring payments from your customers, then using VoPay’s next-generation Pre-Authorized Debit solutions can make your life much easier. Some common client use cases include:

VoPay user-friendly client dashboard is mission control for transaction management and reporting.

Real-time visibility of merchant payments
Manage merchant
sub-accounts
Bulk file upload for EFT and e-Transfer
Bulk file upload for EFT and
e-Transfer

schedule a demo schedule a demo

Free eBook

On their time. In their way. Today’s consumers expect diverse digital payment options. Today’s payment journey needs to be contactless, seamless and secure. As society moves away from paying one way to multiple ways, account-to-account payments lead the way.

Verify User Account

Verify users identities and authenticate bank accounts prior to transactions.
Reduce NSF

Reduce NSF fees by having visibility into bank accounts available funds.
Enhanced Security

Removing the manual processing and tokenized data means more security.

Faster Payments

Eliminate the frustration, cost of missed payments and NSF with instant PAD collections.
Transparent Tracking

Get full visibility into each transaction with courier package like tracking.
New Revenue

Save on credit card fees and offer more payment variety.

Transforming Pre-Authorized Debit
The pace of innovation within Canada's payments ecosystem is on the fast track. Throughout the last few years, (...)

read more
B2B Payments: A Guide to Business Payments
Interac e-Transfer for Business is poised to do for business payments what Interac e Transfer did for the personal cheque (...)

read more
Developer Zone
VoPay’s Intelligent EFT / ACH (iQ11) adds a layer of data intelligence to EFT payments to make them faster, (...)

read more