Founded in Montreal, serving North America

The payment platform behind 1,000+ Canadian businesses

TIB Finance automates payment collections for businesses that are tired of chasing money. Since 2020, we've processed over $600M annually — and we're just getting started.

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$600M+
Processed annually
200K+
Monthly transactions
1,000+
Businesses trust TIB
13+
Industries served
3
Countries (CA, US, MX)
Our Story

We started because businesses deserve better than manual payment collection

Founded in 2020 in Montreal, TIB Finance was born from a simple observation: businesses across Canada were wasting thousands of hours chasing payments manually. Late invoices, bounced checks, and unpredictable cash flow were the norm — not the exception.

We built a platform that puts payment collection on autopilot. Today, over 1,000 businesses across 13+ industries — from real estate to healthcare to schools — trust TIB Finance to collect payments reliably, securely, and automatically.

  • Headquartered in Montreal, QC
  • Serving Canada, United States, and Mexico
  • PCI DSS Level 1 certified infrastructure
TIB Finance platform dashboard showing automated payment collections
Our Mission

Make payment collection invisible — so you can focus on growing your business

We believe businesses shouldn't have to think about payments. They should happen automatically, securely, and on time — every time. That's why we built a platform that handles credit cards, ACH/EFT, Interac, and instant deposits all in one place.

Whether you're a property manager collecting rent from 500 tenants, a gym billing 2,000 members, or a school processing 125,000 transactions per year — TIB Finance scales with you. Our REST API and web portal make it easy for businesses of any size to get started in under 24 hours.

  • Automated recurring collections — set it and forget it
  • Real-time dashboard — see every payment as it happens
  • Transparent pricing — no hidden fees, no surprises
Business owner managing payments through TIB Finance web portal
What We Stand For

Built on four principles that never change

Every decision we make — from product to pricing — is guided by these values.

Security First

PCI DSS Level 1 certified. Bank-level encryption. Your data and your customers' data are protected at every step.

Speed Matters

Instant deposits 24/7/365. Real-time processing. Your money shouldn't wait for banking hours.

Keep It Simple

No jargon, no complexity. If your team can use email, they can use TIB. Most businesses are live in under 24 hours.

Total Transparency

Clear pricing, real-time reporting, and honest support. You always know exactly what you're paying and where your money is.

PCI DSS Level 1

Highest level of payment security certification

3 Countries

Operating across Canada, United States, and Mexico

24/7/365

Platform availability including weekends and holidays

Dedicated Support

Real humans, based in Montreal, ready to help

Frequently Asked Questions

Questions about TIB Finance

What is TIB Finance?

TIB Finance is a Montreal-based fintech platform that automates payment collections for businesses. We process credit cards, ACH/EFT bank transfers, Interac payments, and instant deposits — all from one platform. Over 1,000 businesses across Canada, the US, and Mexico trust TIB to collect payments automatically.

How much does TIB Finance cost?

TIB Finance offers competitive rates starting at 2.85% + $0.25 per credit card transaction, and direct debit/credit starting at $0.10 per transaction. No setup fees, no long-term contracts. See our full pricing page for details.

Which industries does TIB Finance serve?

TIB Finance serves 13+ industries including loan companies, real estate, insurance, healthcare, schools, fitness centers, daycare, retirement homes, governments, ISPs, non-profits, property management, and platform developers. Each industry gets tailored payment solutions.

Is TIB Finance secure?

Yes. TIB Finance is PCI DSS Level 1 certified — the highest level of payment security certification. All data is encrypted at rest and in transit. We follow strict security protocols aligned with the standards set by the Payments Canada organization.

How fast can I get started?

Most businesses are up and running in under 24 hours. Sign up online, our team verifies your account, and you can start collecting payments the same day. No developer required — though we do offer a full REST API for businesses that want to integrate programmatically.

Does TIB Finance offer an API?

Yes. TIB Finance provides a comprehensive REST API with SDKs for .NET, PHP, Python, and JavaScript. We also offer a sandbox environment for safe testing, webhook notifications, and white-label solutions for platform developers.

Where is TIB Finance located?

TIB Finance is headquartered in Montreal, Quebec, Canada at 360 Rue Saint-Jacques, Suite G101, H2Y 1P5. We serve businesses across Canada, the United States, and Mexico.

Explore TIB Finance

Discover what we can do for your business

Payment Solutions
Credit cards, Interac, ACH/EFT, instant deposits
Industries
13+ industries with tailored solutions
Pricing
Transparent rates, no hidden fees
API & Developers
REST API, SDKs, sandbox testing
Blog
Payment guides, tips, and insights
Contact Us
Talk to a real human in Montreal
Become a Partner
Reseller and referral programs
API Use Cases
Real-world integration examples
Join 1,000+ Businesses

Ready to stop chasing payments?

Open your account today. Most businesses collect their first payment within 24 hours.

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No setup fees • No long-term contract • Active in under 24 hours