Clik2pay is great for freelancers, contractors and small business owners who are looking for a cheaper alternative to expensive credit card fees, and an easy way for customers to pay directly from their bank account. Simply download the app, register for an account, and you’re on your way to sending payment requests as simply as you send a text message.

Clik2pay is an inexpensive option to high credit card fees. Our fees are just 1% and $1 per transaction. You only pay this fee when your customer has successfully paid you. There are no sign-up, monthly or hidden fees.

All you need to send payment requests to your customers is your phone! Clik2pay does not require any card readers, terminals, or hardware.

Interac e-Transfer is a familiar, secure, and easy way for Canadians to send money using online or mobile banking. Clik2pay uses the Interac e-Transfer™ service to allow you to send payment requests to your customers via text, QR code or URL. Your customers uses Interac e-Transfer to transfer money from your customer’s account to yours. For more information visit Interac e-Transfer.

Most, if not all, of your customers are familiar with Interac e-Transfer. When you send a Clik2pay payment request, your customer will receive a text message, or you can display them a QR code containing a link to complete the Interac e-Transfer. Your customer simply logs into their account, approves the transaction, and the payment is on its way to you!

Almost all Canadian banks and credit unions support Interac e-Transfer. Visit this link for a complete list of participating financial institutions.

Registration is quick and simple with the Clik2pay app. Simply enter your personal details to confirm your identity, your business details and your banking details so that we can deposit money your customers have paid you into your account.

We ask you to enter your personal details as it appears on your government-issued identification. We require this information to validate your identity as prescribed by government regulations. Without accurate personal details, we may be unable to verify your identity and therefore unable to complete your registration. Clik2pay keeps your account and information safe and secure – as described in our Privacy Policy.

We need your banking details so that we can deposit the money your customers pay directly into your account. Make sure you register with the banking details of where you want your money deposited. Clik2pay can only deposit money, not withdraw money from this account.

If after entering in all your details you received an application pending message that means we need to do a little bit more work to confirm your identity. Our team will review your application within one business day of completing your registration. If your identity cannot be verified then we will be unable to complete your application. If we are able to verify your identity, you will then receive an email from us letting you know your registration is complete and that you can now start sending payment requests and receiving money from your customers.

Sending payment requests to your customers is as easy as sending a text message. Simply enter your customer’s name, their Canadian mobile phone number and the amount requested into the app. Send the payment request via text – or if your customer is with you then you can display the QR code. After the payment request has been created you can also share the URL to your customer via email, or another messaging platform such as WhatsApp or Facebook Messenger.

After clicking on the URL sent to them via text or QR code, your customer simply logs into their financial institution account, confirms the payment request, and your money is on its way.

In most cases your money will be deposited to your account the day after you are paid by your customer. Transactions are settled Tuesdays through Fridays, so if your customer paid between Friday to Monday, your money will be deposited on Tuesday. Clik2pay transaction fees will be automatically deducted before you receive payment.

There is a maximum of $1,000 CAD per payment request per customer per day.

There is a daily maximum of $2,500 CAD in total payment requests to all your customers per day.

Since your customers pay you direct-from-account there are no chargebacks and your payments are guaranteed! Clik2pay currently does not offer refunds, as payments are one directional: your customer pays you directly to your account. All customer-approved payments are considered final. We ask that you resolve any disputes in good faith together with your customer.

Payment request links never expire, however once your customer has paid with a link, they will not be able to pay you again with that same link.

If your customer deleted the payment request link they received via text message, then simply open up the pending transaction in the Clik2pay app and select “SEND SMS” to resend the payment request via text, “SHOW QR CODE” if your customer is with you, or “SHARE LINK” to share the link via email or another messaging platform such as WhatsApp or FB Messenger.

We make it easy to quickly tell at a glance the status of your payment requests by using icons, words and colours. Payment requests can be Pending (your customer has not yet paid the request), Paid (your customer has paid you and is being processed by the financial institute), or Settled (the money has been deposited into your account).