Accept/Pay Global

What Accept/Pay Global does

Accept/Pay Global is a Toronto-based B2B payments company that provides electronic funds transfer (EFT), ACH, and real-time payment solutions to small and mid-sized businesses, enterprises, banks and credit unions, ISO/ISV partners, lenders, and SaaS platforms. The company was originally founded in 2003 as EFT Canada and was acquired and rebranded as Accept/Pay Global in 2021, extending its scope from a domestic Canadian EFT provider into a global payments orchestration platform.

The platform is built around a B2B Payments Orchestration Engine that integrates multiple payment methods (EFT/ACH, card acquiring, card issuing, and real-time Interac Send/Receive) behind a single RESTful API, with intelligent payment routing, real-time fraud detection, and automated AML/KYC and geo-fencing compliance. Product surface includes the Interac Receive & Send API for near real-time 24/7 settlement, white-label payment solutions for partners, ISO/ISV merchant services with revenue sharing, and turnkey solutions for banks, credit unions, and small businesses. The company maintains tier-1 partnerships with Visa, Mastercard, Interac, Elavon, NACHA, and U.S. Bank, and operates under FINTRAC MSB, Revenu Quebec MSB, and Bank of Canada PSP registrations, with SOC 2 Type II certification.

Accept/Pay Global monetizes primarily through transaction-based pricing on EFT and electronic payments, supplemented by partner revenue sharing and API/integration services for enterprise and developer clients. Distribution is hybrid: direct enterprise field sales supported by 'Schedule a Call' and demo CTAs, an ISO/ISV channel partner program with white-label and embedded offerings, and an API-first developer motion with sandbox environments. The company is privately held, headquartered in Toronto, Ontario, and has cumulatively processed over $30B in payments with a reported 99.99% transaction success rate, 99.99% API uptime, and 99.51% customer retention.

Name

Accept/Pay Global

Legal name

Accept/Pay Global Inc.

Website

https://acceptpayglobal.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Merchant Acquiring Banks & ISO/MSP Acquirers (FSAMABAB)

akta.pro secondary industries

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Biller Direct EBPP Platforms (FSAMAJAA)

Keywords

• B2B payment processing
• EFT payment solutions
• Real-time disbursements
• White-label payments
• ISO/ISV merchant services

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales, Others

Revenue model

1. Transaction Processing Fees: Primary revenue stream from processing EFT and electronic payment transactions. Merchants pay per transaction processed through the platform, with lower costs than credit card payments highlighted as a key selling point.
2. Partner Revenue Sharing: Revenue sharing and commission models for ISO and ISV partners who resell payment solutions. Partners earn commissions on every processed transaction managed through their white-label or embedded offerings.
3. API and Integration Services: Revenue from API integration services, sandbox testing environments, and technical onboarding support for developers and enterprise clients integrating payment capabilities.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels6 records

Core offering

Accept/Pay Global provides a B2B Payments Orchestration Engine that processes EFT/ACH, card acquiring, and real-time Interac-based payments for businesses, financial institutions, and technology partners. The platform is offered via direct sales to enterprises and SMBs, through white-label deployments, and via a channel partner program for ISOs and ISVs. Products include the Interac Receive & Send API, white-label payment solutions, ISO/ISV merchant services, and tailored offerings for banks, credit unions, and small businesses.

Product overview

Accept/Pay Global operates a unified B2B Payments Orchestration Engine platform that integrates multiple payment methods, gateways, and providers through one API. The core platform is complemented by specialized solutions including the Interac Receive & Send API for real-time disbursements, White-Label Payment Solutions for branded deployments, ISO/ISV Merchant Services for payment processors, a Partner Program for fintechs and consultants, Small Business Payment Solutions, and Financial Institution Payment Solutions for banks and credit unions. The platform supports EFT/ACH transactions, real-time Interac payments, automated billing, fraud detection, intelligent routing, and enterprise-grade compliance controls.

Differentiator

Problem solved

Functional benefit

Products and services

• B2B Payments Orchestration Engine Central payment processing platform integrating multiple payment methods, gateways, and providers through a unified API. Supports gateway payment acceptance, card acquiring, EFT/ACH automation, card issuing, intelligent routing, fraud detection, and real-time monitoring for businesses and financial institutions.
• Interac Receive & Send API
• EFT Payment Solutions
• White-Label Payment Solutions Fully customizable payment ecosystem allowing partners to deliver branded, secure, globally compliant payment experiences under their own brand with multi-currency support and white-label API integration.
• ISO/ISV Merchant Services Platform White-labeled merchant services platform enabling Independent Sales Organizations and Independent Software Vendors to offer electronic payment processing, earn transaction commissions, and expand into multi-currency and cross-border payments.
• Partner Program Customizable partner program for technology providers, fintech companies, and business consultants offering white-label EFT payment solutions with revenue sharing, API integration, fraud management, and multi-industry compatibility.
• Small Business Payment Solutions Cloud-based electronic payment platform for small businesses providing affordable EFT processing, automated billing and recurring payments, real-time dashboard reporting, and seamless API integration for online payment acceptance.
• Financial Institution Payment Solutions Turnkey EFT payment solutions for banks and credit unions featuring automated payment processing, integrated digital banking, real-time transaction reporting, regulatory compliance tools, and white-label customization.

Quantifiable outcome

• 22% increase in same-day loan completions for a mid-size consumer lender using real-time disbursements
• +4 more outcomes

Named customers9 records

Segments8 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and strategic.

• ElavoncoreStrategic or Co-development PartnerElavon Payments Partner. Accept/Pay Global operates as a registered partner of Elavon, leveraging their payment processing infrastructure and acquiring capabilities for merchant transaction services.
• InteraccoreTechnology or IntegrationIntegration partner powering real-time payment capabilities through Interac e-Transfer, Interac Send, and Interac Receive. Enables instant fund transfers 24/7 including evenings, weekends, and holidays for disbursements and collections.
• U.S. Bank National AssociationcoreStrategic or Co-development PartnerAccept/Pay Global is a Registered Partner/ISO of the Canadian branch of U.S. Bank National Association. Operates under their banking relationship for payment processing and regulatory compliance.
• VisastrategicTechnology or IntegrationPartner logo displayed on homepage. Accept/Pay Global integrates with Visa payment networks for card-based transaction processing alongside EFT solutions.
• MastercardstrategicTechnology or IntegrationPartner logo displayed on homepage. Accept/Pay Global integrates with Mastercard payment networks for card-based transaction processing alongside EFT solutions.
• NACHAstrategicTechnology or IntegrationPartner logo displayed on homepage. NACHA governs the ACH network which Accept/Pay Global leverages for electronic funds transfer transactions in the U.S. market.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/accept-pay-global

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Accept/Pay Global