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VoPay
What VoPay is
VoPay provides a Fintech-as-a-Service platform for software companies and large enterprises embedding payments and financial services in their products. Available through the web and APIs, it supports sending and collecting payments across multiple rails. Its payment tools include recurring payments, bank verification, onboarding, automation, and payment links, along with global payment acceptance, flexible payouts, split payments, and account management. VoPay says its REST APIs provide over 250 endpoints and maintain 99.99% uptime. Its card integration supports Visa, Mastercard, American Express, and Discover, with 3D Secure on card transactions. VoPay 360 supports accounting connections with QuickBooks, Sage, and Xero. The company says it tokenizes sensitive payment data and encrypts data moving across its platform. It announced completing a SOC 2 Type 1 attestation in February 2023. Starter and Enterprise tiers are listed. Both include sending and collecting funds, virtual, sub- and client accounts, a payment portal and API, bank verification, accounting integrations, and a range of payment rails. Enterprise is described as a tailored solution. Neither tier displays a numerical price; prospective customers are directed to contact sales. VoPay’s stated onboarding begins with a conversation with its team, then sandbox access, signing and onboarding, and selecting a production date. Its headquarters are in Vancouver, Canada.
Who it suits
VoPay suits software companies and large enterprises that want to embed payment and financial services into their products. It is relevant to teams needing payment collection and payouts, account tools, or APIs and accounting integrations.
What it does well
- Supports sending and collecting payments across multiple rails.
- Provides recurring payments, bank verification, automation, and payment links.
- REST APIs have over 250 endpoints, according to VoPay.
- Card integration supports four named card networks and 3D Secure.
- VoPay 360 integrates with QuickBooks, Sage, and Xero.
- Supports split payments and flexible payouts.
What to know first
- Pricing requires contacting sales.
- The listed platforms are web and API.
- Onboarding includes a team conversation, signing, and production-date selection.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Enterprise | CONTACT SALES · Tailored enterprise solution · send and collect funds · virtual, sub- and client accounts · payment portal and API · bank verification · accounting integrations · EFT, ACH, VoPay Instant, Interac e-Transfer, eChecks, push to card and RTP; FedNow and credit cards marked Coming Soon | On request |
| Starter | CONTACT SALES · Send and collect funds · virtual, sub- and client accounts · payment portal and API · bank verification · accounting integrations · EFT, ACH, VoPay Instant, Interac e-Transfer, eChecks, push to card, RTP, FedNow and credit cards | On request |
As vopay.com lists them, read 8 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the VoPay website.
- Speak with the VoPay team about onboarding.
- Access the sandbox.
- Sign and complete onboarding.
- Choose a production date.
Verdict
Choose VoPay if your software company or enterprise needs payment capabilities to embed in its own product, including multiple payment rails and account tools. Its APIs, card options, and accounting integrations may suit teams building payment workflows. Look elsewhere if you need a numerical price before contacting sales or a listed platform beyond web and API.
Questions
How much does VoPay cost?
VoPay lists Starter and Enterprise tiers and directs prospective customers to contact sales; no numerical price is shown.
What payment rails are included in the listed tiers?
The listed rails include EFT, ACH, VoPay Instant, Interac e-Transfer, eChecks, push to card, RTP, FedNow, and credit cards.
Which platforms are available?
VoPay lists web and API.
Which accounting products does VoPay 360 connect with?
QuickBooks, Sage, and Xero are listed.
Does VoPay support card payments?
Yes. Its credit card integration supports Visa, Mastercard, American Express, and Discover, with 3D Secure on card transactions.
What onboarding steps does VoPay describe?
The process includes speaking with its team, accessing a sandbox, signing and onboarding, then choosing a production date.
Facts from VoPay's own pages
- Accounting integrations
- VoPay 360 supports accounting integrations including QuickBooks, Sage and Xero. · vopay.com, 8 Oct 2026
- API
- VoPay says its REST APIs provide over 250 endpoints and maintain 99.99% uptime. · vopay.com, 8 Oct 2026
- Card payments
- Its credit card integration supports Visa, Mastercard, American Express and Discover, and supports 3D Secure on card transactions. · docs.vopay.com, 8 Oct 2026
- Compliance
- VoPay announced that it completed a SOC 2 Type 1 attestation in February 2023. · blog.vopay.com, 8 Oct 2026
- Headquarters
- Vancouver, Canada · vopay.com, 28 Sept 2026
- Intended users
- VoPay describes its platform as designed for software companies and large enterprises embedding financial services. · vopay.com, 8 Oct 2026
- Payment capabilities
- Its payment engine supports sending and collecting payments through multiple payment rails, with tools such as recurring payments, bank verification, onboarding, automation and payment links. · docs.vopay.com, 8 Oct 2026
- Pricing availability
- The pricing page lists Starter and Enterprise tiers and directs prospective customers to contact sales; it does not show a numerical price. · vopay.com, 8 Oct 2026
- Security
- VoPay says it tokenizes sensitive payment data and encrypts data moving across its platform. · vopay.com, 8 Oct 2026
- Support and onboarding
- VoPay’s stated onboarding process includes speaking with its team, accessing a sandbox, signing and onboarding, then choosing a production date. · vopay.com, 8 Oct 2026
- What it does
- VoPay provides a Fintech-as-a-Service platform for software companies to embed payments and financial services in their products. · vopay.com, 8 Oct 2026
Where VoPay stands on Freedom251
- Payment Processing Software#62 of 71
- Embedded Payments Platforms#26 of 28