VirtualPay Capital
Solutions Industries Security & Compliance Contact Get Started
B2B payment solutions for merchants

Accept card and Interac payments for your business.

For ecommerce and brick-and-mortar merchants, VirtualPay Capital helps coordinate payment acceptance: online and in-person card processing, and Interac e-Transfer® Business Request Money.

Find the right payment setup Talk to Our Team

We tailor every setup to your business — confirmed through a short eligibility review.

Woman smiling while holding phone and credit card
Bank-grade encryption
FINTRAC-registered MSB
Interac Request Money
Canadian-based team
All-in-one payment solution

Payment solutions for ecommerce and brick-and-mortar merchants

VirtualPay Capital is a business-to-business payment provider. We help Canadian merchants request Interac e-Transfer® Business Request Money payments and accept card payments — online and in person — with intake, onboarding, and compliance review coordinated for your business.

Ecommerce merchants

Integrate unified card networks and Interac Business Request Money directly into your checkouts, invoice portals, or customer funding interfaces.

  • Online checkout & API integration
  • Interac Business Request Money
  • Robust sandbox testing

Brick-and-mortar merchants

Deploy modern, compliant POS terminal hardware on-site while managing remote B2B payment requests from a single administrative panel.

  • EMV & contactless smart terminals
  • Dual online/in-store invoicing
  • Fast local settlement setup

Hybrid & platform merchants

Unify in-person, online, and B2B request networks. Provide secure payout logic and sub-merchant onboarding rails for complex structures.

  • Unified cross-channel management
  • Sub-merchant compliance review
  • Automated ledger & split payouts
Flow Architecture

Modern routing, simplified compliance

How transaction requests route securely from your system to your customer's bank account.

Merchant
Initiates transaction online or via smart terminals.
VirtualPay Capital
Coordinates compliance checks, AML checks, and ledger logic.
Interac Request Money

Direct bank requests routed via VirtualPay Capital.

Card Processing

In-person and online card networks coordinated through processing partners.

Customer Payment
Approves payment request or completes card checkout.

Start with the way your customers pay

Online card payments
Give customers a clear way to pay through your website, by invoice or during a remote transaction.
Recommended for
Website storesInvoice billingVirtual terminalsRemote ordersSubscriptions
See online payment detailsDiscuss online payment options
In-person card payments
Accept face-to-face card payments with terminal and POS options matched to your business environment.
Retail countersRestaurantsProfessional officesMobile businesses
See in-person payment detailsDiscuss in-person payment options
Interac Business Request Money
Send a payment request your customer reviews and approves through an online-banking workflow.
Website paymentsInvoice requestsQR-code paymentsAccount funding
See how Interac Request Money worksAsk about Interac Request Money
Open to eligible Canadian businesses, confirmed through review and supported banking arrangements.

Built for the way your industry operates.

No two businesses process payments the same way. We tailor solutions for retail and hospitality, professional services, ecommerce and online retail, subscription businesses, health and wellness providers, and registered nonprofits.

Explore Solutions by Industry →

Clear answers instead of vague promises.

What fits your business depends on how it operates — your model, industry, and the way customers pay you. We won't promise guarantees we can't back up. We will look closely, and tell you exactly where you stand.

Frequently asked questions

VirtualPay can assess merchant inquiries involving online card payments, in-person card payments, and Interac e-Transfer® Business Request Money.
VirtualPay Capital handles business intake, reviews the proposed payment flow, and coordinates inquiries involving Interac e-Transfer® Business Request Money or multiple payment channels.
Online and in-person card processing is provided through our processing partners, with full compliance coordination by VirtualPay Capital.
We offer online and in-person card-processing services, including various terminal and integration options tailored to your business. Learn more during the eligibility review process.
It allows an eligible business to initiate an Interac e-Transfer® payment request that the customer reviews and approves through an online-banking workflow.
Yes, merchants can submit one VirtualPay inquiry covering both needs. VirtualPay will assess the proposed payment flow and coordinate with 6ixPay where card-processing services are appropriate.
No. Availability depends on the business, industry, payment flow, transaction profile and underwriting review.
Pricing depends on the services selected, business profile and expected payment activity. Applicable pricing is provided after the initial review.
Timing depends on the selected payment channels, documentation, underwriting and integration requirements.
Get Started

Find the payment setup that fits your business

We design and configure payment flows to match your specific operation models. Submit your business inquiry to confirm eligibility and determine appropriate routing channels.

✓

Structured Qualification

We assess processing volumes, integration needs, and banking setups.

✓

Secondary Support Channel

Need custom processing? Contact our sales team directly →

Please keep highly sensitive bank details out of this form. We request underwriting docs over encrypted channels.

Ready to give your customers a better way to pay?

Tell us how you accept payments today and what you want to add. We'll review your inquiry and explain the appropriate next step.

Get Started
VirtualPay Capital

Compliant Canadian payment acceptance for merchants online and in-store.

Company
AboutCareersContact
Solutions
In-Person PaymentsOnline PaymentsInterac Request Money
Legal & Compliance
Privacy PolicyTerms of ServiceAccessibility
© 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.