The intelligent payment platform for developers

Stop building payments from scratch.
Automate everything.

TIB Finance handles your payments automatically. Credit cards, bank transfers, Interac, instant deposits.

A single API built for multi-tenant platforms. Your brand, our infrastructure.

Building with AI? Write to us to request access to our MCP documentation.
We increase your revenue
We reduce friction
We improve your workflows
We offload your teams
TIB Finance Dashboard — Account overview, cash flow chart and payment analytics

What you can build with the TIB API

Real-world payment scenarios, each just a few API calls away. And we have many more exciting features.

Collect a Payment

Charge a customer via credit card, bank debit, or Interac with a full invoicing flow.

Flow 5 5 API calls

Send a Payment Link

Generate a secure payment link and send it to your customer by email or SMS.

Flow 1 4 API calls

Monthly Recurring Payments

Set up automatic monthly billing with configurable frequency and retry logic.

Flow 5 + Freq 5 API calls

Send Money (Direct Deposit)

Push funds directly into a recipient's bank account via EFT direct deposit.

Direct Deposit 2 API calls

Interac Transfer

Send or request funds via Interac e-Transfer, Canada's instant payment network.

Interac 2 API calls

Batch Processing (ACP)

Process hundreds of payments in a single batch file via the ACP clearing system.

Batch 3 API calls

Accept Credit Cards

Accept Visa, Mastercard, and Amex with PCI-compliant hosted tokenization.

Flow 5 5 API calls

Quick Collection (No Invoice)

Collect a payment instantly without creating an invoice — ideal for one-off charges.

FreeOperation 2 API calls

Quick Deposit (No Invoice)

Push funds to a bank account without creating an invoice — fast disbursements.

FreeOperation 2 API calls

Multi-Tenant Platform

Onboard sub-merchants under your platform with isolated accounts and automatic partner kickbacks.

Multi-Tenant 3+ API calls

White-Label Payment Pages

Embed fully branded payment pages with your logo, colors, and domain.

White-Label 2 API calls

Debit a Specific Payment Mode

Target a specific saved payment method (card or bank) for a charge.

Flow 6 5 API calls

Refund / Cancel Transaction

Reverse a completed transaction or cancel a pending one with a single call.

RevertTransfer 2 API calls

QuickBooks Auto-Reconciliation

Automatically sync payments and invoices with your QuickBooks account.

Plugin Details coming soon

Virtual Terminal

Process phone or mail-order payments through a browser-based virtual terminal.

Details coming soon

Payment Link System

Create and manage reusable payment links for invoicing and collections.

Schedule System for Office

Schedule future-dated payments and automate office billing workflows.

Details coming soon

And many more features coming... Contact us to learn more

Why Developers Choose TIB Finance

Enterprise infrastructure with startup simplicity

One API — All Payments

One integration covers everything: cards, bank transfers, Interac, batch processing, and more.

Multi-Currency & Multi-Country

CAD + USD, Canada + US from a single platform. No separate integrations needed.

Enterprise Multi-Tenant Processor

Connect a CRM that resells billing, isolated sub-clients, automatic partner kickbacks.

US Market Support

USD transactions, US onboarding, cross-border clients — all supported natively.

Free Sandbox, No Risk

Full API access in a test environment with mock money. No credit card required.

QuickBooks Integration

Auto-reconciliation, virtual terminal, payment links, and scheduling built in.

Partner Program

Become a Partner

Bring your first client and receive a $250 gift card

Your clients connect into our payment processes — we are your business technology partner. Grow together with TIB Finance.

Become a partner
$250 Gift Card

Up and running in days, not months

From sandbox to production in three simple steps.

1

Create your account and get your API keys

Sign up online and get access to your free sandbox environment. Test with real API calls and simulated transactions, zero risk.

2

Integrate with the tools you already use

Full REST API, SDKs for .NET, PHP, Python, Node.js and JavaScript. Complete documentation and real-time webhook notifications to keep everything in sync.

3

Go live and scale

9 payment flows covering every scenario. Multi-tenant architecture that grows with your platform. You focus on your product, we handle the payments.


Trusted by businesses across North America

Real results from companies that switched to TIB Finance.

We manage over 500 rental units. Before TIB, we spent 3 days a month chasing late rent. Now everything is automated and late payments dropped by 25% in the first month alone.
TIB's API integration took 2 days. Our subscribers can now pay directly inside our platform, and our finance team finally has real-time visibility on every transaction.
Our company processes 125,000 transactions per year with TIB. We've saved over 200 hours of manual work monthly and reduced errors by 30%. The team loves it.
For AI developers

Building with AI?

Integrate TIB Finance into your AI workflows via our MCP server. Ask for the documentation and we’ll send it over.

Write to us for access

Ready to embed payments into your platform?

Get started in minutes. We handle the payments so you can focus on building.

No setup fees • No contract • Cancel anytime