Rails & Infrastructure
Complete access to the Canadian payments ecosystem.
Move funds across account-to-account and card-based networks through a single, unified integration surface.
Interac for Online Merchants
Pay In and Pay Out via Canada’s Trusted Payment Rail. Interac is Canada’s most widely recognized account-to-account payment network.
Interac Pay In
Accept Direct Bank Payments Online. Fund transactions directly from Canadian bank accounts using a familiar and trusted method.
Common use cases
- Account funding
- Deposits and top-ups
- Invoice payments
- High-trust checkout flows
Why merchants use Interac Pay In
- Bank-to-bank payment flow
- Strong consumer recognition
- Reduced card dependency
- Predictable settlement behavior
Interac Pay Out
Send Funds Directly to Canadian Bank Accounts. Send money to customers, users, or partners through Canada’s Interac network.
Common use cases
- Customer withdrawals
- Marketplace and platform payouts
- Refunds
- Operational disbursements
Why merchants use Interac Pay Out
- Direct delivery to bank accounts
- Familiar and trusted payout method
- Faster access compared to traditional EFT
- Clear payment traceability
EFT for Online Merchants
Electronic Funds Transfer (EFT) for Pay In and Pay Out. Canada’s standard bank-to-bank payment method used for collections and disbursements at scale.
EFT Pay In
Collect Funds from Canadian Bank Accounts. Pull funds from customer bank accounts with appropriate authorization.
Common use cases
- Subscription billing
- Invoice collection
- Loan repayments
- Recurring or scheduled payments
Why merchants use EFT Pay In
- Broad Canadian bank coverage
- Well-established settlement processes
- Suitable for recurring and high-volume
- Lower operational volatility
EFT Pay Out
Disburse Funds to Canadian Bank Accounts. Widely used to send funds to customers, vendors, or partners.
Common use cases
- Vendor payments
- Payroll-related disbursements
- Customer refunds
- Marketplace settlements
Why merchants use EFT Pay Out
- Universally supported in Canada
- Cost-efficient for large volumes
- Strong audit and reporting
Visa Direct for Online Merchants
Push-to-Card Payouts via Visa Direct. Deliver funds directly to eligible Visa cards for speed and recipient convenience.
Common use cases
- Marketplace seller payouts
- Gig economy disbursements
- Customer refunds
- Promotional or incentive payments
Why merchants use Visa Direct
- Familiar card-based delivery
- No requirement for bank account details
- Domestic and cross-border support
- Complements bank-based methods
Mastercard Send for Online Merchants
Card-Based Money Movement via Mastercard Send. Send funds to eligible Mastercard cards and endpoints for digital payouts.
Common use cases
- Marketplace payouts
- Gig worker payments
- Refunds and adjustments
- Incentive and reward programs
Why merchants use Mastercard Send
- Card-based delivery
- Broad card network familiarity
- Support for near real-time payouts
- Complements bank-based rails
Canadian Bill Payments
Structured access to Canada's national bill payment network for collections and disbursements.
Common use cases
- Account funding via bill payment
- Large-scale debt collection
- Utility and service bill ingestion
- Corporate fund transfers
Key advantages
- Universally recognized by Canadian banks
- High transaction limits
- Reduced fraud risk compared to checks
- Seamless integration into ERP systems