Instant Bank Transfer®
Verified EFT payments made easy
An easy way for customers to connect their bank account for streamlined, simple, and secure payments.
Verified EFT payments made easy
An easy way for customers to connect their bank account for streamlined, simple, and secure payments.
Trusted By
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PAYIN
Combine Online Bank Verifications with user-friendly features for the best EFT payments experience.
New customers log in through their online or mobile banking to select the account from which they want to pay—no manual entry is required. Subsequent payments can be made in just one click.
The best verified EFT experience, reaching 100% of Canadian bank accounts.
POPULAR FEATURES
Customers log in via online banking—no need for manual entry, extra apps, or creating new accounts.
Tokenized information lets returning customers pay or payout with one click—fast, secure, and seamless.
Real-time decision engine that uses 20 years of data and machine learning to stop fraud before it happens.
PAYOUT
Deliver seamless payouts with Online Bank Verification and EFT—no matter how your customers payin.
Verify bank ownership instantly and send high-value payouts up to $100,000 securely and with ease.
Enable tokenized one-click repeat payouts with 100% bank coverage.
POPULAR FEATURES
Confirm bank ownership to pay out to customers, no matter which method they originally used to pay.
Tokenized information lets returning customers pay or payout with one click—fast, secure, and seamless.
Built for the future, Instant Bank Transfer is ready to use Canada’s Real-Time Rail when available.
VERIFICATION
Validate the customer name, financial institution, transit number, and bank account information associated with the customer.
It’s built for compliance.
POPULAR FEATURES
Customers are verified by logging into their online or mobile banking.
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Match the customer name you have on file to the account holder's name.
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REPORTING
Available through either our merchant portal or robust reporting API, discover real-time transaction reporting.
Make strategic decisions and maintain efficient operations by tracking conversion rates, transaction volumes, and peer comparisons.
Better decisions with data at your fingertips.
POPULAR FEATURES
Monitor day-to-day transactions with a simple, easy-to-use interface.
Filter transactions by type to monitor payins, payouts, and identity verification.
Export up to 500K rows and download custom reports for reconciliation and internal reporting.
Nationwide coverage means more approvals from all Canadian banks.
No more typos—connect bank account information to payments seamlessly.
Tokenized data lets returning customers pay or payout in one click.
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Lower transaction fees compared to traditional credit card payments.
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Real-time balance checks reduce the risk of insufficient funds.
Take advantage of Canada’s Real-Time Rail as soon as it’s available.
Find out how Instant Bank Transfer can reduce errors and returns while saving you money.
