End-to-end solution to send and receive payments

From instant account funding to loan repayments, provide a simple payment experience for your customers, while enabling your team to track and manage payments easily.

How Pay works

INTERAC® e-Transfer

Generate a payment requestarrow_forward Easily initiate a payment request through your Client Dashboard or via API integration. Customer is notified of the request arrow_forward Your customer promptly receives a secure email with the payment request to select their bank to process from. Payment processed and reconciled arrow_forward Once your customer completes the payment, Flinks verifies the payment and reconciles the funds into your settlement account.

Electronic Funds Transfer (EFT)

Set up payment schedule arrow_forward Generate a one-time payment request or a recurring payment schedule, and share it with your customer via email or within your product. Flinks validates the account arrow_forward You user connects their bank account and Flinks validates the account detail. Customer approves the payment schedule arrow_forward After validation, your customer reviews and accepts the Pre-Authorized Debit (PAD) agreement for the payment to proceed. Payment processed and reconciled arrow_forward Flinks processes the payment based on the agreement and reconciles the funds into your settle account.

Validation to payment processing

Deliver a seamless payment experience that unifies account validation, PAD authorization, and payment initiation—minimizing fraud and friction at every step.

Innate PAD setup and scheduling

Streamline customer payments with our auto-generated custom PAD agreement, seamlessly integrated into our bank connection experience to save you the hassle and maximize conversions.

Dashboard for all your payment needs

A consolidated dashboard for your team to easily track, analyze and manage payments to serve your customers better.

How Pay elevates the payment experience for you and your customers

Lenders

Provide borrowers with a seamless experience to connect their bank accounts, validate, authorize, set up payment schedules, and repay their loans—all in one place. Empower your team with a simplified solution to initiate, track, update, and cancel payments without the need for multiple tools.

Financial Institutions

Minimize delays and risks in account funding by combining customer onboarding and account funding in one seamless flow. With Flinks Pay, funds are available almost instantly, enabling your customers to access their accounts with minimal wait