VirtualPay Capital

Complete payment solutions for in-person and online business.

From the front counter to the online checkout, VirtualPay Capital gives you every tool you need to get paid — securely, quickly, and at a fair price.

Turn any counter into a fast, secure checkout.

Our point-of-sale solutions accept Interac Debit, Interac Flash contactless, and all major credit cards, with hardware from countertop terminals to fully mobile readers for businesses on the move.

Chip, PIN & tap
Full EMV & contactless, incl. Apple Pay & Google Pay.
Mobile terminals
Take payments tableside, on the floor, or at events.
Integrated POS
Connect leading point-of-sale & inventory systems.
Next-day settlement
Funds deposited on a predictable schedule.

Give online shoppers a checkout they trust.

Our payment gateway lets you accept Interac and credit card payments on your website or app, with a smooth, mobile-friendly experience designed to reduce cart abandonment and protect against fraud.

Hosted & API checkout
Ready-made secure page or direct API integration.
Platform plugins
Connect popular ecommerce platforms & carts.
Recurring billing
Support subscriptions & installment payments.
Fraud screening
Real-time risk scoring & address verification.

Interac e-Transfer® for Business

Collect funds directly from a customer's bank account in near real time — ideal for invoices, deposits, large purchases, and online orders where you want lower costs and reduced chargeback risk.

Request-money & bulk-payout capabilities
Automated reconciliation & reference matching
Reduced chargeback exposure vs. cards
Clear audit trail for every transaction

Credit Card Processing

Powered by 6ixpay

Accept Visa, Mastercard, and American Express with confidence. Through our partnership with 6ixpay, merchants get competitive rates, dependable settlement, and the same security standards that protect every transaction.

Visa, Mastercard & American Express
In-person & online (card-not-present)
Tokenized card storage for repeat customers
Transparent interchange-based pricing

The tools to tie it all together.

VirtualPay Capital works with the systems you already use. Our gateway and terminals integrate with leading POS platforms, ecommerce carts, and accounting tools — one reconciled view of every sale across every channel.

Terminals & readers

Countertop, portable, and mobile hardware.

Gateway & API

Secure, well-documented developer tools.

Reporting

Consolidated dashboards, settlement reports, exports.

Solutions tailored to your industry.

We configure payment acceptance, hardware, and settlement around the realities of your business. Here's how we serve some of the categories we work with most.

Retail & Specialty Stores

Fast, dependable checkout for boutiques, grocers, convenience, and specialty retail.

Provides · Countertop & contactless terminals · Interac Debit & Flash · Integrated POS · Multi-location reporting.
Restaurants, Cafés & Hospitality

Quick table-turns and tip-friendly payments for food service and hospitality.

Provides · Pay-at-table terminals · Tip & gratuity handling · Contactless & wallets · End-of-day reconciliation.
Ecommerce & Online Retail

Conversion-focused online checkout for stores of any size.

Provides · Hosted checkout & API · Interac & cards online · Fraud screening & AVS · Recurring & one-click.
Professional & Personal Services

Simple, secure billing for trades, consultants, salons, and service providers.

Provides · Invoice payments via e-Transfer · Card-on-file · Mobile terminals · Deposit & milestone billing.
Subscription & Membership

Reliable recurring revenue for gyms, clubs, and subscription brands.

Provides · Automated recurring billing · Tokenized storage · Failed-payment retry · Member dashboards.
Health, Wellness & Practitioners

Discreet, secure payments for clinics, dental, therapy, and wellness providers.

Provides · In-clinic terminals · Online & phone payments · Treatment-plan billing · Detailed receipts.
Registered Nonprofits & Associations

Trusted donation and membership collection for the charitable sector.

Provides · Online donation pages · Recurring giving · Interac e-Transfer for larger gifts · Transparent reporting for stewardship.
Note · VirtualPay Capital serves lawful, established business categories that meet our underwriting and compliance standards. Onboarding for every merchant includes KYC/KYB verification and risk review.

Not sure which solution fits your business?

Tell us how you operate and we'll build a recommendation around it.

Request a Consultation
VirtualPay Capital

Compliant Canadian payment acceptance for in-person and online business.

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© 2026 VirtualPay Capital. All rights reserved. VirtualPay Capital is a registered money services business with FINTRAC (C100000749). Interac®, Interac e-Transfer®, and Interac Flash® are registered trademarks of Interac Corp. Used for descriptive purposes. Credit card processing provided in partnership with 6ixpay.