Absolutely. As of right now, TIB Finance can process payments in the United States, Canada and Mexico. We are looking to expand our operations into Europe in the next year. Stay tuned!

From time to time, we offer businesses a one-month trial period during which you can access our services through TIB’s platform or TIB’s API and start using them entirely free.

No. With TIB Finance, you only get charge $25 a month to access the services. While other companies work hard to find new ways to quietly add to your costs, at TIB Finance we pride ourselves on transparency and be a true payment partner for your business.

Yes. TIB’s finance services give you the opportunity to forget the old collection way that implies your mailman. You only need to add the Client’s email customer email, amount $ CAD enter the customer payment amount due, E-Check, Credit Card E-Check or Credit Card choose the payment methods you want to allow and validate the transaction. Your customer will then receive an email that will ask him to choose the preferred payment methods, if possible, to add its payment information and to validate the transaction amount. Once the information collected and the transaction accepted by your customer, the payment will be deposited in the next 24 hours directly into your accounting firm bank accounts. For the following payments, depending on the current customer contact, you’ll be able to perform transaction directly from your end without the implication of your customer.

TIB finance instant bank verification (IBV) module allows you to verify in real time your customer’s bank balance so you’ll maintain a good relationship.

The SDK lets you Use the Endpoint of the Platform without having to do all the extra work of encrypting Keys and converting them.
We have SDKs For multiple languages:
.net Core - .net Framework - php - Javascript (Client side) - and node Js (Server side).

Customers should call us to tell us where to refund the wallet. However, Wallet control will soon be available via the API and portal.

Pre-Authorized Debit (PAD) is a payment method whereby your customer authorizes your business to automatically withdraw from its bank account. The authorization needs to be stored by law and reachable if needed. TIB finance offers a PAD consent collection service that frees your mind from that legal nightmare and lets you perform the desired payment smoothly.

When adding a new customer, you can add their financial information from your side or you can let TIB finance collect the information automatically by email. Your customer will receive an email like the following. You can modify the content so the customer will only see your brand.

Find the pay section on the side menu, select the customer, enter the amount to be refunded and validate the transaction.

You can update at any time, the payment description so your customers will easily recognize your business-related transactions.

TIB finance allows you to program recurring collection easily and securely on the frecuency of your choice. It’s even possible for you to debit your tenant credit card in case of non-sufficient funds.

I invite you to visit our website tib.finance. On the developer page, you will find an API updates section.
In this section you will finda section called TIBPhPSDK, you will find documentation that will help you answer all your questions.

Using the SDK, the following calls must be made:
SetURL("http://sandboxportal.tib.finance");
CreateSession(yourClientId, Username, Password);
get the session Id then you can make the other Calls, see the github for more information about the SDKs.

No, the merchant is synonymous with "bank account" in the system.

There are not multiple accounts for one merchant.

There are not multiple accounts for one merchant.

The TIB system applies several limits to control transactions:
- Maximum per transaction
- Maximum per day
- Maximum per month
- Different limits for credits and debits
- Ability to apply limits on files transactions (ACP_005)

A detailed email is sent to the manager account.
The transaction can be suspended and released manually.
Another limit (e.g. monthly limit) can still block the transaction after release.

Limits are applied in sequence:
1. Checking the maximum amount per transaction.
2. Checking daily limits.
3. Checking monthly limits.

The system requires double authentication for any significant modification:
- Adding or editing a deposit account
- Editing Contact Information
- Adding a user
- Release of suspended transactions

- Changing a Merchant's Limits
- Release of out-of-bounds transactions
- Activation of “Free Deposit” mode

The system analyzes trends to detect anomalies :
- Amount of transactions compared to histories
- Abnormally high number of transactions
- Abrupt changes in transaction dates
- Increase in the number of new accounts or manual releases

- Double authentication required
- Restriction of access by IP or VPN
- Logging of all actions
- Securing access

- Modernization of complex payment processes
- Faulty interconnection requiring interventions human
- Manual reconciliation slowing down operations
- Complex payment default management
- IT security requiring investments massive

- TIB Solutions: How TIB makes it easier to manage payments?
- Automation of bank flows and reconciliation
- Support for all payment types and methods electronic
- Maximizing supplier relationships and delivery options payments
- Recovery automation and default management

- Process automation without additional effort
- Reduction in operational costs and increase in velocity
- Competitive transactional fees
- Fast implementation time (~0 to 2 weeks)
- Possibility of operating as a white label

- Auditing and certification
- Consulting (strategy, analytics, operations, capital human)
- Risk management (internal controls, cybersecurity, regulation)
- Financial advice (mergers and acquisitions, forensic accounting, taxation, legal)

- Connection to management software
- Definition of accepted payment methods
- Automation of recurring and one-time payments
- Automatic recovery system

- Transformation of commerce through digitalization
- Speed, security and automation of payments
- Archaic and limited banking infrastructure

- High cost of current solutions
- Complex integration requiring expertise technical
- Lack of flexibility of payment facilitators
- High fees per transaction (up to 4.32% depending on IDC study)

- Fast integration with open API
- Fixed pricing for bank payments
- Flexibility in payment management
- Automation without manual intervention

- E-commerce (e.g. Wayfair)
- SaaS (eg. Dropbox)
- Marketplace (eg. eBay)
- Service platform (eg. DoorDash)

- Direct deposits and withdrawals (EFT, ACH, DRD)
- Credit cards
- E-check
- Recurring or unitary bank direct debits
- Batch Interac payments

- Fixed pricing, even for $1 or $10 transactions 000 $
- High volume savings
- No fixed fees, pay as you go

- Dashboard for real-time monitoring
- Process automation (error detection, automatic reminders)
- Save time by reducing manual management

- Advanced cryptography and PCI-DSS compliance
- Securing transactions and data users

- IDC study showing an average increase in sales of 7%
- Improving customer experience and reducing costs payment deadlines
- Rapid integration of partners and suppliers

- Production: http://portal.tib.finance
- Development: http://sandboxportal.tib.finance

- Online transaction management
- Adding and editing bank accounts
- Creation and monitoring of supplier and customer payments
- Validation of bank accounts
- Integration with software via API

- Consultation, addition and modification of accounts
- Automatic information verification
- Provisioning and validation before activation

- Yes, and payment methods can be associated with each
- Ability to configure so that the customer/supplier enter your banking information

- Generation of invoices for customers and suppliers
- Setting up recurring or one-time payments
- Automatic email sending for information entry banking

- Configuring payment limits
- Notifications in case of overrun for validation manual

- Yes, via a statistical dashboard allowing to analyze transactions

- Support for ACP 120 and ACP 1464 formats for processing in mass

- Automatic verification to avoid errors (NFS, objections, etc.)
- Independent validation API available

- API with endpoints for payments, accounts, validation, etc.
- SDKs in .NET, PHP, Python, JavaScript
- Integration possible via secure iFrame

Drop-In is a JavaScript library that allows to integrate an iFrame on a web page to process payments under a merchant account.

- Server calls TIB API to get token unique.
- The token is embedded in the HTML page.
- The script injects the Drop-In iFrame to process the payment.

- Credit card (number, expiration, CVV)
- Bank account (transit number, selection of bank)
- Recurring customers (recorded payment)
- Multiple selection if more than one is available methods

- Create a session via the TIB API.
- Use the GetDropInPublicToken method with the token session to collect a Drop-In Token.
- Each payment requires a new token.

Include the script:
<script src="http://sandboxpublic.tib.finance/CDN/Dropin/DropIn_1.0.js"></script>

Inject the iFrame with:
TIB_Dropin.LoadIframe({ elementid: "DestinationDivId", publictoken: "7c7c0216-985b-4705-824b-00a8d838dfd0", lang: 'fr' });

Yes, you can change the styles (button colors, menu style, font, etc.) by passing a style object to TIB_Dropin.LoadIframe.

You can define callbacks for success or error, for example example :
TIB_Dropin.LoadIframe({ successcallback: function (success) { console.log("Payment successful: ", success); }, errorcallback: function (error) { alert("Error payment: " + error); } });

- Bill payment
- Deposit (credit cards are not permitted for deposits)
- Collection

- Production: http://portal.tib.finance
- Development: http://sandboxportal.tib.finance

- Authorization of existing payments for customers recurring
- External reference for tracking payments via API
- Dynamic language selection (French or English)