Real Time Payments
Always-On Money: A 24/7 Liquidity and Treasury Playbook for Real-Time Payments in Canada
For as long as most finance leaders can remember, Canadian money has kept bankers' hours. Payments settled on business days, paused for the weekend, and gave treasury teams a predictable rhythm built around cut-offs. That rhythm is about to change. ... Read More >
Request-to-Pay in Canada: How to Design Your First RtP Flows Ahead of RTR
Most Canadian businesses bill the same way. An invoice goes out by email, the customer logs in to online banking and keys in the amount (or mails a cheque), and someone in finance spends part of the next week matching deposits to invoices. Sending... Read More >
What Canada Can Learn from the UK's Real-Time Payments Adoption
Britain didn't decide that same-day payouts would become standard. Customers decided, and everyone else caught up. Canada's Real-Time Rail arrives in the fourth quarter of 2026, which makes the UK's story more useful right now than any forecast. Read More >
Instant Payouts in Canada: Designing Real-Time Refunds and Disbursements with Visa Direct and Mastercard Send
Anyone who has waited five business days for a refund, an insurance cheque, or a freelance payment knows the frustration: the money feels like it should already be there. When a message can cross the country in seconds, waiting a week for a... Read More >
Closing the Security Gap in Embedded Payments
Embedded payments are the growth story of the year. We covered that in our mid-year review, and the market is on track to hit nearly $193 billion globally by 2032. In essence, money is moving into places it never used to live: inside of SaaS... Read More >
The Way We Pay: A Mid-Year Review of the Payments Trends Shaping 2026
We're halfway through 2026, and the payments landscape in Canada looks meaningfully different than it did even 18 months ago. New regulation is in force, new infrastructure is in testing, and the businesses that started adapting early are already... Read More >