01 About
A payments rail for people, and the places they spend.
Canopay started with a simple annoyance: paying the person in front of you is still harder than messaging them. We're building the rail that fixes that — for friends splitting a bill, and for the coffee shop, the tutor and the landlord on the other side of the payment.
Paying should feel like messaging
You know who you're paying by their handle, the money lands before you've put your phone away, and nobody asks for a transit number.
One rate, said out loud
0.25% for everyone, on every payment. No interchange table, no monthly minimum, no line on a statement you have to look up.
Small businesses deserve real tools
Storefronts, subscriptions, payroll and insights on the same balance, without stitching together four products and a spreadsheet.
Built in Canada, for Canada — first
Funded by e-Transfer, held at a Canadian bank, hosted in Canadian regions, answerable to Canadian law. Canada is where we start, not where we stop.
Where we are
Canada first. The rest of the world after.
- Now
Private beta in Canada
A small group of people and merchants, invited as spots open.
- Next
Open to all of Canada
Every province and territory, for personal and business accounts.
- Later
Beyond Canada
New countries, one at a time, once the rail has earned its keep at home.