OUTLINE
TLDR: Expanding beyond card acceptance means giving your merchants and ISVs the money movement around the card, under your brand, without rebuilding your acquiring stack. VoPay's embedded finance platform adds five modules beside your existing card acquiring: Collect, Hold and Segment, Orchestrate, Payout and Reconcile. You can switch on one module or all five.
Your card stack stays exactly where it is. VoPay sits between it and your merchants and ISVs as an embedded finance layer: account-to-account payments, wallets, treasury, compliance and ERP connectivity, delivered through your portal, your ISV integrations and your brand. The merchant sees one financial partner, which is you.
The outcomes fall into two groups. Some are defensive: keeping the merchant relationship and making it harder for an ISV to take its money movement elsewhere. Others are growth: new revenue from rails and services you do not sell today, and a faster route to market than building it.
The outcomes fall into two groups. Some are defensive: keeping the merchant relationship and making it harder for an ISV to take its money movement elsewhere. Others are growth: new revenue from rails and services you do not sell today, and a faster route to market than building it.
| Module | What it does | Go deeper |
| Collect | Bank-to-bank collections and account funding: EFT and ACH debits, Interac Request Money and inbound transfers, and card-adjacent funding | |
| Hold and Segment | Sub-accounts, wallets and FBO virtual accounts, so every merchant and end client has its own balance and funds move between them instantly | Inside the Ledger: How On-Platform Money Movement Works for Acquirer Programs |
| Orchestrate | Rules, approvals, sweeps and returns; routing picks the rail by amount, urgency and cost, and fails over without losing the instruction | Product Corner |
| Payout | Real-time payouts, EFT and ACH, push-to-card and cross-border disbursement for refunds, sellers, contractors and payroll | RTP vs FedNow in 2026 |
| Reconcile | ERP sync, webhooks, journals and audit trail, so every movement lands in the merchant's books |
Compliance, onboarding, risk controls and reporting run underneath every module.
Coverage spans Canada and the United States on one API.
Your brand, end to end. Merchants onboard inside your portal or your ISV's product through embedded KYB and KYC. They see balances, payments, statements and payment links in a portal that carries your name, and developers get APIs, webhooks and a sandbox under your program. VoPay stays invisible. Learn more about VoPay white-label features.
Start where your merchants already have payment volume and operational pain. Each use case maps to the one or two modules worth switching on first.
| Use case | Typical first modules |
| ISV embedded payments | Collect and Payout |
| Commerce app | Collect, Payout, Hold and Segment for refunds and wallets |
| Franchise and multi-location | Hold and Segment, then Orchestrate for royalty sweeps |
| Marketplace payouts | Hold and Segment and Payout |
| B2B AR and AP automation | Collect, Payout and Reconcile |
Through one REST payments API, a webhook endpoint and partner credentials that create and manage every merchant and ISV account beneath you. VoPay connects to your merchant portal, ISV marketplace, CRM and risk tooling on one side, and to banks, networks and ERPs on the other. Nothing gets ripped out or replaced.
About 60 days from discovery to a pilot with your first ISVs or merchants: use-case selection, sandbox testing, risk and pricing alignment, then launch readiness. The output is a scoped business case, architecture, commercial model and success metrics.
See the stack running. Book a 30-minute product walkthrough with our team, built around your merchant portfolio.
