Trusted by 1,000+ Canadian businesses

Stop chasing payments.
Start collecting them automatically.

Your customers pay on time, every time — without phone calls, reminders, or spreadsheets. TIB Finance puts your collections on autopilot.

No setup fees Active in 24 hours Cancel anytime

Manual payment collection is costing you more than you think

Every hour you spend chasing payments is an hour you're not growing your business. Here's what changes with TIB.

Without TIB
  • Manually sending invoices and reminders
  • Chasing late payments by phone and email
  • Waiting 2-5 business days for bank transfers
  • Reconciling payments in spreadsheets
  • Lost revenue from forgotten renewals
  • Unpredictable cash flow month to month
With TIB Finance
  • Payments collected automatically on schedule
  • Customers pay without being reminded
  • Instant deposits — even on weekends
  • Real-time dashboard with auto reconciliation
  • Subscriptions renew themselves
  • Predictable, steady cash flow every month
25%
Fewer late payments on average
200h
Of manual work saved per month
24/7
Payments processed — even on holidays
<24h
From sign-up to first payment
How You Get Paid

Your customers choose how to pay. You always get paid.

Four payment methods, one dashboard. No matter how your customers prefer to pay, TIB makes it happen instantly.

Credit Cards

Visa, MasterCard, Amex

Your customers tap "Pay" and it's done. Real-time validation, instant confirmation, no friction. Accept every major card and get paid in seconds — not days.

Result: Customers pay instantly. You see the money immediately.

Instant Deposits

Available 24/7/365 — even holidays

Why wait until Monday? Access your funds immediately — evenings, weekends, holidays. Your money moves when your business needs it, not when banks decide.

Result: Zero delays. Payroll, refunds, and payouts land instantly.

Interac

Canada's most trusted payment network

95% of Canadians use Interac. Give your customers the payment method they already trust. Fast, secure, and with lower fees than traditional credit card processing.

Result: Lower fees + higher adoption. Customers pay the way they prefer.

ACH / EFT

Direct debits & deposits

The backbone of automated collections. Pull payments from customer bank accounts on schedule, or push funds directly. Both directions, one platform, full visibility.

Result: Collect from thousands automatically. Track every cent in real time.
$600M+ processed
Every year across Canada
200,000+ transactions
Processed every month
13+ industries
Served across the country
Automation Tools

Set it up once. Get paid forever.

TIB doesn't just process payments — it replaces the hours you spend managing them. Here's what runs on autopilot.

Recurring Payments

Subscriptions, rent, memberships, monthly fees — set the amount, frequency, and date. TIB collects automatically, every cycle, without you lifting a finger.

Zero missed renewals

Pre-Authorized Debits

Your customer signs a digital consent form once — you collect on schedule forever. No more follow-ups, no more "I forgot to send the payment."

One-time setup, automatic forever

Bulk Transfers

Pay 10 suppliers or collect from 10,000 customers — in a single batch. Upload a file, click send. Payroll, supplier payments, mass collections: done in minutes.

Thousands of payments, one click

Email Payment Links

Send an invoice with a "Pay Now" button. Your customer clicks, pays, done. No account to create, no app to download — they pay from their inbox in 30 seconds.

3x faster invoice payments

Secure Info Collection

Need a customer's bank details? Send them a secure form. They enter their info — it goes straight to TIB, never touches your systems. PCI compliant from day one.

Zero sensitive data on your end

Reporting & Reconciliation

Real-time dashboards show exactly where every dollar is. Automatic transaction matching means no more spreadsheets, no more month-end headaches.

Books always balanced

Never Closes

Payments process 24/7 — evenings, weekends, holidays. Your business never stops earning.

Your Rules

Custom payment schedules, limits, retry rules, and notification preferences. You're in control.

Scales With You

From 10 transactions to 10,000+ per month. Multi-tenant, multi-account — built for growth.

Bank-Level Security

PCI DSS Level 1 certified. Encrypted at rest and in transit. Your data is safer than in a vault.

"We used to spend 15 hours a week chasing late payments. With TIB, everything is automatic. Our cash flow is predictable for the first time in 10 years."
Property Management Company
Real Estate — Montreal, QC
Integration

Already have software? TIB plugs right in.

No need to replace your tools. TIB Finance connects to your existing accounting, CRM, ERP, or custom platform in days — not months. Use our API, upload batch files, or just use the web portal.

  • RESTful API with full documentation
  • Real-time webhook notifications
  • Sandbox environment for safe testing
  • Dedicated integration support team
  • Free integration for qualifying businesses
Explore the API Embedded payments for platforms
REST API
Webhooks
Batch File Upload
Web Portal
Sandbox Testing
Free Integration Help
No Credit Card Needed

Business payments without credit cards

Not every payment needs a credit card. Collect from clients and pay suppliers directly between bank accounts — at a fraction of the cost.

EFT Collections & Deposits

Pull payments from client bank accounts or push funds to suppliers. Flat fees starting at $0.25 based on your volume, a fraction of credit card costs.

Rates based on volume

Recurring PAD

Your client signs once, you collect automatically on schedule. Perfect for rent, subscriptions, loan repayments, and recurring invoices.

Set it and forget it

Direct Deposits to Suppliers

Pay your suppliers, contractors, and employees directly to their bank accounts. In bulk or one by one. No cheques, no delays.

Deposits in T+1 to T+2
Stop Losing Money

Every day without automation is money left on the table.

1,000+ businesses already collect payments on autopilot with TIB Finance. Your setup takes less than 24 hours. What are you waiting for?

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