TIB Finance is the Canadian payment platform that brings every payment method together: Interac e-Transfer, Interac Request Money, pre-authorized debit (PAD), EFT debit and credit, wire transfer, direct deposit, instant payments and Visa, Mastercard and Amex cards. Canadian businesses use TIB Finance to collect from clients and pay suppliers from one portal and one API, with an integration team that sets everything up for them.
Since 2018 • 1,000+ businesses • 600 million dollars in yearly volume • PCI DSS, SOC 1 and SOC 2 Type 2
What each method is, the best time to use it, how long it takes, its advantages and exactly how TIB Finance delivers it.
Push money from your business account to anyone with a Canadian bank account, using only an email address or mobile number.
Send your client a request for funds; they approve it in their own online banking and the money lands in your account.
Your client signs a PAD agreement once, and you withdraw the agreed amounts from their bank account on schedule.
Electronic funds transfers move money between Canadian bank accounts through Payments Canada's clearing system, in both directions.
A bank-to-bank transfer for large or urgent amounts, sent and confirmed the same day.
An EFT credit deposited directly into the recipient's bank account, without a cheque or manual transfer.
Payments that settle in seconds or minutes, at any hour, instead of waiting for the next business day.
Accept Visa, Mastercard and American Express online, on invoices, through payment links or embedded in your app.
A secure link you send by email or text; your client clicks and pays by card, Interac or bank account.
Automatic payments that repeat on a fixed schedule, by PAD, EFT or card.
A side-by-side view of every method available on TIB Finance, to pick the right one for each situation.
| Method | Direction | Typical timing | Best for | Recurring | Batch / API |
|---|---|---|---|---|---|
| Interac e-Transfer | Send | Minutes, 24/7 | Payouts, refunds, suppliers | Yes | Yes |
| Interac Request Money | Collect | Minutes after approval | Invoices, deposits | Per request | Yes |
| Pre-authorized debit (PAD) | Collect | 1 to 2 business days | Subscriptions, rent, loans | Yes, daily to annual | Yes |
| EFT debit | Collect | 1 to 2 business days | High-volume B2B collection | Yes | Yes, up to 5,000 |
| EFT credit | Send | 1 to 2 business days | Supplier and partner payments | Yes | Yes, up to 5,000 |
| Wire transfer | Send and receive | Same day | Large, urgent amounts | No | Tracked |
| Direct deposit | Send | 1 to 2 business days | Payroll, commissions | Yes | Yes |
| Instant / real-time payments | Send and collect | Instant, 24/7/365 | Urgent, time-sensitive payments | Yes | Yes |
| Visa, Mastercard, Amex | Collect | Instant authorization, 1 to 3 days deposit | Online and card-preferred clients | Yes | Yes |
| Payment links | Collect | Depends on method chosen | Invoices without a checkout | Optional | Yes |
Go deeper with our guides on choosing B2B payment methods and EFT versus Interac e-Transfer.
TIB Finance is the payment choice for Canadian businesses that want every method, one integration and real people who make it work.
One portal and one reconciliation for every payment method.
Our experts connect payments to your ERP and accounting, with no outside firm. See business integration.
REST API, SDKs for .NET, Java, Node.js, PHP, Python and JavaScript, webhooks, Drop-In and a full sandbox. Visit Developers.
PCI DSS compliant, with SOC 1 and SOC 2 Type 2 reports.
More than 1,000 businesses and over 600 million dollars in volume processed every year since 2018.
Quick onboarding, white-label options and free integration for eligible businesses.
Property managers collect rent by PAD, lenders collect repayments and disburse loans by EFT, staffing agencies run payroll by direct deposit, software platforms embed payments for their users, and professional services firms get invoices paid by Interac and payment links.
Straight answers to the questions Canadian businesses ask most.
TIB Finance is the Canadian payment platform that offers every major payment method in one place: Interac e-Transfer, Interac Request Money, pre-authorized debit (PAD), EFT debit and credit, wire transfer, direct deposit, instant payments, Visa, Mastercard and American Express cards, payment links and recurring payments. Businesses manage all of them from one portal and one API instead of juggling several providers.
For B2B payments in Canada, the best approach is to offer bank payments first (pre-authorized debit, EFT and Interac Request Money) and keep cards as an option. TIB Finance lets you offer all of them on the same invoice or payment link, so each client pays the way they prefer while you keep processing costs low.
With TIB Finance, your business sends Interac Request Money to clients and receives Interac e-Transfer payments that are automatically matched to the right invoice. You can also send Interac e-Transfer payments to suppliers, employees or customers, one at a time or in batches.
A pre-authorized debit (PAD) lets your business withdraw funds from a client's bank account after the client signs a PAD agreement once. TIB Finance provides the digital PAD agreement, collects the authorization online, and runs the debits automatically on your schedule, from daily to annual.
Yes. In Canada, the equivalent of ACH is EFT (electronic funds transfer), cleared through Payments Canada's Automated Clearing Settlement System. TIB Finance gives businesses direct access to EFT debits and credits, including pre-authorized debits and direct deposits, through its portal and API.
EFT credits and pre-authorized debits typically settle in one to two business days. With TIB Finance, deposits arrive in T+1 to T+2, and every transaction status is visible in real time in the portal and through webhooks.
Yes. TIB Finance processes batches of up to 5,000 operations at a time by EFT, direct deposit or Interac e-Transfer. You upload a file or call the API once, and TIB Finance handles every payment and reports each status.
TIB Finance offers instant, real-time payments for businesses, including through the Real-Time Rail (RTR) and Interac e-Transfer, 24/7/365. Funds move from one bank account to another in seconds, and businesses use one integration for instant and standard payments.
Yes. TIB Finance accepts Visa, Mastercard and American Express alongside Interac, PAD and EFT. One account, one portal and one API cover cards and bank payments, with unified reporting and reconciliation.
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. Run Interac, PAD, EFT, direct deposit, instant payments and card transactions from your own code in minutes, through one API, and receive the matching webhooks. 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, whatever the payment method.
Guides, Drop-In components, use cases and everything you need to integrate TIB Finance.
Transparent pricing for every payment method: Interac, PAD, EFT, wire, instant payments and cards.
Ready for production? Open your TIB Finance account online and switch from sandbox to live payments.
Open your TIB Finance account or talk to our team. We set up your payment methods, connect them to your processes and stay with you after launch.
Interac • PAD • EFT • Wire • Direct deposit • Instant payments • Visa, Mastercard, Amex