01 @handle
Usernames, not account numbers
Every person and business gets a handle. Search @jess or @mapleroasters, check the verified tick, send. Nothing to copy, nothing to mistype.
Private beta · Canada
Money that moves like a message.
Canopay is a payments rail for people and the businesses they buy from. Load your balance with Interac e-Transfer, then send any amount to any username — instantly, for a fee you'll need to squint at.
- 0.25%
- flat fee, capped
- <1s
- to settle
- ∞
- accounts per profile
Everyday @jess
$1,284.30
MR
Maple Roasters
@mapleroasters
$ 42.00 CAD
$0.11 fee settles instantly
Confirm send
$42.00 sent
to @mapleroasters · 0.4s · $0.11 fee
Scan to pay
@jess
Scroll
01 Pricing
The fee, in full.
0.25% per payment
capped at $2.50
capped at $2.50
One rate for everyone — person to person, person to merchant, payroll. No monthly minimum, no interchange table, no surprise line on a statement three weeks later. Loading your balance by Interac e-Transfer is free.
Canopay $0.25
0.25% flat
Business e-Transfer $1.50
typical per-transfer fee
Card processing $3.20
2.9% + $0.30
Comparison figures are typical published rates for Canadian merchants, shown for illustration.
02 What's on the rail
Six pieces, one balance.
03 Storefronts
One business, several shopfronts.
MR
Maple Roasters
Each storefront carries
its own QR and its own ledger.
Storefront 01
A page for the things people subscribe to
Publish plans with a price and a cadence. Anyone who opens the link — or scans the QR on your counter — is two taps from subscribing, and one tap from cancelling later.
Storefront 02
A page for any amount at all
Tips, deposits, splitting a bill, paying an invoice that never had a number. Customers type what they owe and send it. Nothing to configure per payment.
Storefront 03
A page for a short list of goods
Put the menu up, let people pay for exactly what they took. Every storefront keeps its own ledger, so the subscription money never blends into the counter money.
04 Subscriptions
Recurring, without the hostage situation.
Merchants set the plan, the price and the cadence. Subscribers see every active plan in one list, with the next charge date and the amount, and cancel from their own account — no support ticket, no retention maze.
- Charges pull from the account you choose, not whichever card was on file
- A failed charge pauses the plan instead of quietly retrying for a week
- Merchants see churn and renewals in the same ledger as everything else
Your subscriptions
@jess
Maple Roasters
One pound, biweekly
$31.00
next Mar 4
Cancel Change account
Riverside Gym
Off-peak membership
$44.00
next Mar 1
Cancel Change account
The Quarterly
Print + digital
$12.00
next Mar 18
Cancel Change account
Cancelling takes effect at the end of the paid period. The merchant is told the same second you are.
05 On and off the rail
Funded by e-Transfer. Cashed out the same way.
No card networks in the middle, no waiting on a settlement batch. Money comes in through the transfer rail every Canadian bank already speaks, and leaves the same way.
Load 01
Your bank
Any Canadian FI
Send an Interac e-Transfer to your Canopay handle. Autodeposit means nothing to approve.
free
Hold & send 02
Canopay balance
One or many accounts
Sits on the rail. Send it to a person, a storefront or a payroll run — instantly, at 0.25%.
instant
Withdraw 03
Merchant's bank
Offramp on demand
Merchants cash out to their own bank by e-Transfer, same day, as often as they like.
06 For business
Know the number. Then pay the team.
Income, spending, subscribers and fees, per storefront and per account — and payroll that runs on the same balance you already hold. Personal accounts get the same insights, pointed the other way.
Insights
@mapleroasters · last 8 months
- Net in, March
- $33,210
- up 12% vs Feb
- Subscribers
- 412
- 24 joined, 3 cancelled
- Fees paid
- $83.02
- 0.25% of volume
- Offramped
- $28,000
- 6 e-Transfers
$33,210
AugSepOctNovDecJanFebMar
Payroll
semi-monthly
A
Amara O.
@amara
$2,450
D
Devon L.
@devonl
$1,980
P
Priya S.
@priya.s
$2,610
T
Tom R.
@tomr
$1,740
Total $8,780
Run payroll to 4 handles
Everyone paid at once · $21.95 in fees
Balances held, not lent
Customer funds sit in segregated accounts at a Canadian bank. Canopay never lends them out.
Every movement signed
Each transfer is signed, timestamped and appended to a ledger you can export at any time.
Device-level approval
New devices, new payees and offramps all require a second factor before a cent moves.
Built and hosted in Canada
Data stays in Canadian regions, on infrastructure we run, under Canadian law.
Get on the rail.
Canopay is in private beta with a small group of people and merchants in Canada. Leave an email and we'll send an invite as spots open.
No card, no credit check. Merchants — mention your storefront and we'll prioritise it.
Scan to join
canopay.ca/beta