Maximize deposits with a holistic funding experience
Provide one fast and simple account funding experience from connecting a bank account to payment initiation.
Canadians increasingly expect better digital account funding experiences
82%+
Manage their finances online, highlighting a clear shift to digital-first banking.
66%+
Prefer near-instant fund availability, demanding faster account funding.
How Pay works
Step 1: Customer links bank arrow_forward
Offer customers a secure, user-friendly way to link their bank within your application.
Step 2: Account validation and verification arrow_forward
Flinks verifies the customer details and validates the linked bank account.
Step 3: Pre-authorized debit (PAD) generation arrow_forward
Customers authorize one-time or scheduled fund transfers by accepting a PAD agreement.
Step 4: Payment processed arrow_forward
Flinks processes the payment, with funds available based on standard EFT timelines.
Step 1: Request for money arrow_forward
Offer customers a secure, user-friendly way to accept an e-Transfer request within your application.
Step 2: Bank selection arrow_forward
Customers select their bank and can fund their accounts up to $10,000, subject to their bank's limits.
Step 3: Payment authentication arrow_forward
The selected bank and INTERAC® securely authenticate the payment.
Step 4: Instant fund availability arrow_forward
Flinks processes the payment, allowing you to make funds instantly available for customers.
Seamless payments designed to convert and save
Improve UX, convert more customers
Streamline the account funding process with a single seamless experience that minimizes manual steps like micro-deposits or redirecting customers away from the flow.
Secure and reliable payments
Offer flexible funding options your customers prefer and trust, with the ability to accelerate delivery for instant access to funds with INTERAC®.
Cut payment costs
Lower overall payment expenses by reducing hidden fees, operational overhead, transaction failures, potential fraud and more.
Streamline payment experiences beyond account funding
Simplify the journey from loan funding to repayment setup. Offer customers a seamless process while empowering your team with streamlined tools to manage, track, and analyze payments effortlessly.
Let’s chat.
Whether you're ready to start onboarding more customers, drive operational efficiency or have any questions, we're here to help.
Fill out the form and we'll connect you with the right member of our team.