Card and bank payments
Payment processing in Canada, without the complexity
ZeniPay lets Canadian small businesses and online stores accept card and bank-transfer payments by link, by invoice or by API. Card processing is handled by Finix, a PCI DSS Level 1 processor; ZeniPay adds invoicing, installments, tracking and an AI assistant on top.
- ✓ Cards processed by Finix, a PCI DSS Level 1 processor
- ✓ Card or bank transfer (EFT)
- ✓ API and developer docs
What you can accept
- Credit and debit cards, entered in secure fields (card numbers never touch your servers).
- Bank transfers (EFT) up to $2,500 per transaction, settling in 3 to 5 business days.
- Amounts in CAD or USD; cards are charged in Canadian dollars and the customer sees the equivalent before paying.
- By payment link, invoice, installments, or from your own site with the API.
How to choose a payment processor in Canada
- The PCI DSS level of the processor that actually handles the cards.
- Settlement currency and conversion costs if you sell in USD.
- How long before funds reach your bank account.
- Contract length and cancellation fees.
- Chargeback and refund handling.
- Included tools: links, invoices, installments, reporting, API.
- Support language, and the language your customers see.
Frequently asked questions
Do I need a website to accept cards?
No. With a ZeniPay payment link or invoice, your customer pays on a secure page hosted by ZeniPay.
What are ZeniPay's fees?
Pricing depends on the payment type and your business; we do not publish generic rates. Email info@zeniva.ca for a quote.
Is ZeniPay a bank?
No. ZeniPay is a payment technology platform, not a bank or deposit-taking institution.
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