Canadian bank rails for platforms

Cards are not the whole stack in Canada.

If your platform runs here, bank rails show up sooner than most roadmaps admit.

EFT. PAD. Interac e-Transfer. Member dues. Payroll-adjacent payouts. B2B settlement that never touches a card network.

Wiring that as a one-off file upload works until volume hits. Then ops owns a spreadsheet and nobody reconciles to the member record.

What we build

A payment layer inside your product that can sit in front of more than one rail:

Card where you need it
EFT / PAD for recurring and B2B
Interac e-Transfer where the product needs push or request money flows

Scoped to your build. We do not claim every rail on day one. We name what is in and what is out.

You keep the processor and rail contracts. We never sit in the flow of funds.

Cutover shape

Leave the manual upload path. Put the rail behind one interface. Carry your IDs through settlement so finance can match the provider file to the member or merchant.

Commercial

Build — fixed price, milestone invoiced. Run — monthly per account for exceptions and connector updates. Ask for the current ladder.

Proof we can name

Beniplus: about $1M a month. We moved them from manual EFT file uploads to Zum Rails. Reconciled per member to the provider record.

Start here

Name the rail you need next and the volume that broke the current process.

Add a second processor without a second project — processor-agnostic layer for multi-rail platforms
Payment reconciliation for platforms — ledger, exceptions queue, and finance exports