Card-funded international transfers from Canada. Prepaid Visa, bank deposit or partner cash on the other side. Two-tier pricing, both visible. Live tracking. Even when your family does not have a bank account.
Most digital remittance services route everything through bank deposit. That leaves 15 to 20% of receivers in India, the Philippines and the UAE corridors without a real option, and pushes urgent senders to expensive retail counters.
Wise blocks credit cards on most cross-border sends. Remitly accepts them with a fee penalty. Western Union charges retail rates.
Bank deposit fails when the recipient has no account. Cash pickup means a 30 km trip. Family pays the cost of the gap.
Medical bills, school fees, family emergencies. Nobody built for the moment when payday is Friday and the bill is today.
Card on file. Recipient mobile. Prepaid Visa code sent to their phone. They use it the same way they would use any Visa, anywhere it is accepted.
Add the recipient's mobile number and the amount. Pick standard (2.5%) or urgent (4.5%). Pay with the card already in your wallet.
We pre-fund the corridor so your recipient does not wait on bank settlement. The card is charged on send; the recipient is paid on send.
Recipient gets a prepaid Visa code by SMS or WhatsApp. Usable at any retailer, ATM, or for online bills. Bank deposit and cash pickup also available.
We charge once, we charge it visibly, and we set the exchange rate to mid-market plus a thin margin we publish on this page. No surprise on either end.
For recurring family-support transfers where speed is not the primary need.
For emergencies — medical, school fees, family crisis. Card to prepaid Visa, fastest path.
We start where the under-banked recipient problem is largest and where we can run a tight prepaid Visa operation. We expand only when each corridor's unit economics are proven.
For the Punjabi, Malayali, Tamil, Gujarati diaspora.
~CAD 2.7B annual outflow
For the OFW family in Cebu, Davao, Manila.
~CAD 2.0B annual outflow
For sons and daughters working in Dubai, Abu Dhabi.
Material and growing
Cleaner answers than the ones on our old site.
Because card funding plus prepaid Visa payout costs more than bank-to-bank. We charge for that, transparently, and we tell you why. If you want the cheapest digital corridor and your recipient has a bank account, Wise will beat us. If your recipient needs the money in the next five minutes and does not bank, we will.
Mid-market exchange rate plus a published margin. The margin is the same for every corridor, set quarterly, and shown on this page. No surprise spread on top of the fee.
They get a prepaid Visa they can use at any merchant, ATM or online bill payment service. Or they can pick up cash at a partner location. We do not need them to bank with anyone.
Yes. We are registered with FINTRAC as a Money Services Business under Canadian law and operate against the AML and reporting standards required by the PCMLTFA, including the March 2026 amendments.
Under five minutes from send to recipient confirmation in 9 out of 10 cases in our target corridors. We post the median monthly on this page.
Yes. Standard tier supports bank and debit. Urgent tier is card only, because the speed depends on card authorisation at the front end.
iPayMate is registered in Ontario, Canada. We are a small team obsessed with the moment money is most needed.
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