Trust, security, and compliance you can verify.
We built VirtualPay Capital to meet the standards Canadian financial institutions, regulators, and merchants expect — and to make those standards visible.
About VirtualPay Capital
VirtualPay Capital is a Canadian payment service provider helping merchants accept Interac and credit card payments across in-person and online channels. We exist to give Canadian businesses a payment partner that is transparent about pricing, rigorous about security, and genuinely available when you need support.
We combine direct connectivity to the Interac® network with credit card processing through our partner 6ixpay, delivering a complete acceptance solution under one account — backed by a compliance program built for the Canadian regulatory environment.
To make secure, compliant, and affordable payment acceptance available to every Canadian business — from the first sale to the millionth.
How we protect every transaction.
Card transactions handled through established, certified processors — sensitive data stays in their secure, compliant environments.
Sensitive data encrypted in transit and at rest; card details replaced with non-sensitive tokens.
Real-time screening, velocity checks, and address verification flag suspicious activity before it settles.
Role-based access, audit logging, and least-privilege principles govern all internal systems.
Customer data handled in line with Canadian privacy legislation (PIPEDA) and our published Privacy Policy.
Redundant systems and recovery procedures keep payments flowing.
Built for Canadian regulatory standards.
VirtualPay Capital operates within Canada's financial regulatory framework. Our compliance program is overseen by a designated compliance officer and reviewed on an ongoing basis.
Registered as a money services business under the PCMLTFA. Registration number: C100000749.
Registered / registering as a payment service provider with the Bank of Canada under the RPAA framework.
Written policies, designated compliance officer, documented risk assessment, ongoing training, and biennial effectiveness review.
Identity verification for every merchant and, where applicable, their customers, before activation.
Ongoing monitoring with suspicious transaction reporting consistent with PCMLTFA obligations.
Adherence to Interac and credit card network operating rules through our network and processing partners.
Trusted partners, dependable network.
VirtualPay Capital connects merchants to Canada's core payment rails through established partners. Interac acceptance is delivered through our connection to the Interac® network, and credit card processing is provided in partnership with 6ixpay. Settlement is handled through regulated financial institutions.
Clear terms, no surprises.
Disclosed rates, no hidden fees. Full schedules before onboarding.
Predictable deposit timelines, disclosed in your agreement.
Merchant-initiated refunds processed through your dashboard.
A clear, documented process with support from our team.
A defined channel to raise and resolve concerns, in line with RPAA.
Talk to us.
Have a question, or ready to get started? Our Canadian-based team is here to help.
Compliant Canadian payment acceptance for in-person and online business.