Written and analysed by Smarter Loans Editorial Team
· Reviewed by Rafael Rositsan · Facts checked 21 August 2026
A payments infrastructure provider offering bank-to-bank payments, Interac and EFT rails through an API, sold to businesses rather than consumers.
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Our verdict
Best for
Businesses that need to move money programmatically, particularly recurring collections and payouts
Not for
Consumers, and small businesses that just need card acceptance rather than a payments API
What we like
- Direct bank payment rails, which cost less than card processing on large transactions
- Built for recurring collection and payout use cases
- Canadian rails including Interac and EFT
Where it could improve
- An API rather than a point-of-sale product, so it requires development work
- Not a fit for a business that simply needs to take cards in person
Products
One block per product, each with its own numbers. Never blended into a single range.
Payment rails
EFT, ACH, Interac e-Transfer, RTP and card
Good to know: VoPay does not publish pricing — rates are quoted through its sales team based on your average transaction size and monthly volume. It is an API-first platform for embedding payments into software rather than a merchant terminal, so there is no card hardware.
Company details
Legal name
VoPay International Inc.
Parent
Independent
Regulator
FINTRAC registered money services business
Founded
2016
Hq
Vancouver, British Columbia
