TIB Finance is the Canadian payment platform with a dedicated integration team that plugs payments directly into your business processes: invoicing, accounts receivable, accounts payable, payroll, ERP, CRM and accounting. Our experts analyze your processes, configure and develop the integration, take it live and support you afterward, so you never need to hire an outside firm. Integration is free for eligible businesses.
Since 2018 • 1,000+ businesses • 600 million dollars in yearly volume • PCI DSS, SOC 1 and SOC 2 Type 2
A typical processor hands you an API key and a documentation link. TIB Finance sends people. Our integration team works inside your processes until payments run on their own.
Payments touch every financial process. TIB Finance connects to each one so money, data and accounting move together.
Every invoice carries a way to pay: Interac Request Money, payment link, pre-authorized debit or card. Payments are matched to invoices automatically. See payment collection.
Approved bills become EFT credits or Interac payments, in batches of up to 5,000 operations, with remittance tracking. See pay suppliers.
Direct deposits for employees and contractors, commissions and rebates, scheduled from your payroll or HR system.
Subscriptions, rent, memberships and loan repayments collected automatically, from daily to annual, with retries and notifications.
Payments and statuses flow back into your ERP, CRM and books, so reconciliation is no longer a manual month-end task.
Embed payments in your product, white-labelled and multi-tenant, for every client on your platform. See platform payments.
TIB Finance integrates with the systems Canadian businesses already run, and with custom software through its API.
| System or option | Typical use | What TIB Finance connects | Who does the work |
|---|---|---|---|
| QuickBooks | Small and mid-size business accounting | Invoices, payments, reconciliation | TIB Finance integration team |
| Sage | Accounting and payroll | Receivables, payables, direct deposits | TIB Finance integration team |
| Acomba | Quebec accounting | Receivables, payables, reconciliation | TIB Finance integration team |
| Xero | Cloud accounting | Invoices, payments, reconciliation | TIB Finance integration team |
| Microsoft Dynamics 365 | ERP and CRM | Receivables, payables, customer payments | TIB Finance integration team |
| NetSuite | Cloud ERP | Receivables, payables, batch payments | TIB Finance integration team |
| SAP Business One | ERP for growing companies | Receivables, payables, reconciliation | TIB Finance integration team |
| Custom software and CRM | In-house and industry systems | Any payment flow through the REST API, SDKs and webhooks | Your developers with TIB Finance experts |
| Portal and payment links | No-code start | Collection and payouts without development | Ready to use, configured with TIB Finance |
Five clear steps, led by the same team from start to finish. Implementation is fast because we have done it for more than 1,000 businesses.
We map your invoicing, collections, payables, payroll and systems.
Payment methods, schedules, PAD agreements, notifications and accounts are set up.
We build and test the connection to your ERP, accounting or software in the sandbox.
We launch with you, monitor the first payment cycles and fine-tune.
Our team stays available for new needs, new methods and process changes.
A complete payment API for Canada, built so your developers or ours can integrate quickly.
Explore the developer resources and real-world API use cases, read our ERP payment integration guide, or create your free sandbox account and start coding today.
A dedicated integration team replaces the outside consulting firm. One partner for payments and integration.
Integration is free for eligible businesses, so the project pays for itself from the first payment cycle.
Interac, PAD, EFT, wire, direct deposit, instant payments and Visa, Mastercard and Amex through one integration.
A proven method and ready-made tools get you live quickly, without a long IT project.
PCI DSS compliant, with SOC 1 and SOC 2 Type 2 reports, for a safe connection to your financial systems.
Founded in 2018 in Quebec, serving 1,000+ businesses across Canada in English and French.
Lenders connect loan servicing to PAD and EFT, property managers link rent collection to their property software, software platforms embed white-label payments, distributors automate supplier payments from their ERP, and service firms tie invoicing to Interac and payment links.
What Canadian businesses ask before connecting payments to their systems and processes.
TIB Finance is the Canadian payment provider that integrates payments directly into your business processes. A dedicated TIB Finance integration team analyzes your invoicing, accounts receivable, accounts payable and payroll, then connects payments to your ERP, CRM and accounting software, from configuration to go-live and ongoing support.
No. With TIB Finance, you do not need to hire an outside consulting firm. TIB Finance's own integration experts handle the analysis, configuration, development and go-live of your payment integration, and integration is free for eligible businesses.
Yes. TIB Finance integrates payments with accounting and ERP systems used by Canadian businesses, including QuickBooks, Sage, Acomba, Xero, Microsoft Dynamics 365, NetSuite and SAP Business One, so payments, invoices and reconciliation stay in sync.
TIB Finance offers a complete payment API for Canada: a REST API, SDKs for .NET, Java, Node.js, PHP, Python and JavaScript, real-time webhooks, a Drop-In payment form and a full sandbox. One integration gives access to Interac, pre-authorized debit, EFT, wire, direct deposit, instant payments via the Real-Time Rail (RTR) 24/7/365, and cards.
Implementation with TIB Finance is fast. Simple setups using the portal, payment links or the Drop-In can be live in days, and deeper ERP or API integrations are planned with the TIB Finance integration team and delivered in short, structured phases.
Integration is free for eligible businesses. Pricing depends on your volume and the payment methods you use; contact TIB Finance or open an account to get a proposal tailored to your business.
Yes. TIB Finance offers white-label and multi-tenant payments, so software platforms and businesses can offer payments to their own clients under their own brand, with separate merchant accounts managed from one integration.
Yes. TIB Finance provides an MCP server that lets AI agents and automated workflows query transactions and trigger payment operations securely, alongside the REST API and webhooks for traditional automation.
TIB Finance automates invoicing and collections, accounts receivable, accounts payable and supplier payments, payroll and direct deposits, recurring billing from daily to annual, batch payments of up to 5,000 operations, and reconciliation with your accounting software.
Yes. TIB Finance is PCI DSS compliant and holds SOC 1 and SOC 2 Type 2 reports. Founded in 2018 in Quebec, it serves more than 1,000 businesses and processes over 600 million dollars in volume per year.
Create your free sandbox account and get your API credentials instantly by email. Connect your ERP, accounting or SaaS platform to TIB Finance, run every payment flow end to end and receive real webhooks before you go live. No commitment, no credit card.
Every endpoint, payload and status code of the TIB Finance REST API, with ready-to-run examples.
Official SDKs for Node.js, Python, .NET, Java and PHP. Install, authenticate and send your first payment in minutes.
Real-time notifications for every payment status change, pushed straight into your ERP or accounting system.
Guides, Drop-In components, use cases and everything you need to integrate TIB Finance.
Ready for production? Open your TIB Finance account online and switch from sandbox to live payments.
Tell us how you invoice, collect and pay today. We will show you how TIB Finance automates it, and integration is free for eligible businesses.
ERP • Accounting • CRM • Payroll • REST API and SDKs • White-label