No credit cards required

Pay and get paid.
Directly between bank accounts.

Your clients pay you directly from their bank account. You pay your suppliers the same way. No credit cards, no cheques, no middlemen. Just fast, secure bank transfers with rates based on your volume.

PCI DSS Level 1 1,000+ businesses $600M+ processed

Credit cards and cheques are costing your business thousands

Every percentage point in credit card fees is money you could reinvest. Every cheque is a delay you don't need. Here's what changes with TIB bank payments.

Without bank payments
  • High credit card processing fees on every transaction
  • 30-day wait for cheque clearing
  • Manual payment reconciliation
  • Lost cheques and failed payments
  • Unpredictable cash flow
With TIB bank payments
  • EFT with flat fees starting at $0.25, based on volume
  • Deposits in 1-2 business days
  • Automatic reconciliation dashboard
  • Zero paper / zero lost payments
  • Predictable automated cash flow
Payment Methods

Three ways to move money between bank accounts

Choose the method that fits your business, or use all three from a single platform.

EFT / Direct Deposits

Pull or push funds directly

The backbone of B2B payments. Pull funds from clients or push payments to suppliers. All from one platform.

Flat fees based on volume. Deposits in T+1 to T+2.

Pre-Authorized Debits (PAD)

Automatic recurring collections

Your client signs once. You collect automatically, on schedule, forever. Perfect for recurring billing.

Set it and forget it. Zero manual follow-up.

Interac e-Transfer

Canada's most trusted network

95% of Canadians use Interac. Offer instant bank-to-bank transfers that your clients already trust.

Instant settlement, 24/7, even on weekends.
How It Works

Bank payments, simplified in three steps

Collect from clients, pay your suppliers, and track everything in real time.

1

Collect from your clients

Set up PAD or EFT collections. Your clients authorize once, payments are collected automatically on schedule.

2

Pay your suppliers

Send direct deposits to any Canadian bank account. Payroll, supplier invoices, contractor payments, in bulk or one by one.

3

Track everything in real time

Your dashboard shows every transaction, its status, and your account balances, updated in real time.

$0.25+
Starting rate, based on volume
T+1 to T+2
Deposit timeline
0
Cheques to process
API +
Integrations available
Who Uses Bank Payments

Built for businesses that move real money

Staffing Agencies
Professional Services
Real Estate
Lending Companies
Eliminate Credit Card Fees

Every dollar in credit card fees is a dollar you could keep.

1,000+ businesses already use TIB Finance for bank-to-bank payments. Setup in less than 24 hours.

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