How Accept/Pay Global Enables Real-Time Payments for Canadian Lenders

Audience: Lenders
Keywords: Interac Send, APG platform, real-time payments Canada

Canadian Lenders Are Moving Fast. Their Payments Should Too.

Borrowers want access to their funds in seconds after approval. But funds often take hours — or even days — to reach the borrower.

For digital lenders operating in a competitive and experience-driven market, payment speed is no longer just a back-office issue. It’s a customer experience issue, a conversion issue, and a brand issue.

That’s why Accept/Pay Global (APG) has launched an integrated real-time payment solution for Canadian lenders — powered by Interac Send.

With APG’s platform, lenders can disburse loans instantly to almost any Canadian bank account, using trusted and compliant rails through our API. This isn’t just about convenience. It’s about creating a more efficient, responsive lending operation that meets the expectations of today’s borrowers.

Why Real-Time Disbursement Is Becoming a Lender Imperative

Borrowers want access to funds the moment they’re approved. And in many cases, so do your competitors.

Real-time payments help lenders:

• Increase conversion rates by offering immediate access to funds
• Improve borrower satisfaction and net promoter scores (NPS)
• Reduce support tickets related to “where is my money?”
• Build operational efficiency by eliminating batch processes
• Gain a competitive edge in a crowded lending landscape

Lenders that delay funds — even by a few hours — risk losing business to faster, more tech-enabled alternatives.

What Is Interac Send?

Interac Send allows businesses to push money in real time to recipients using only an email address or phone number. It is supported by all major financial institutions in Canada and is widely trusted by consumers.

Through Interac e-Transfer for Business, APG’s API enables lenders to:

• Send funds 24/7/365, even on weekends and holidays
• Deliver to any Canadian bank account with auto-deposit
• Provide borrowers with instant access to approved loans
• Maintain full compliance, tracking, and security

How APG Makes Real-Time Disbursement Simple

Accept/Pay Global provides a turnkey API solution to add Interac-powered payouts into your lending stack — without building the rails yourself.

1. Fast API Integration

Lenders can connect via a modern REST API that fits cleanly into existing workflows. Whether you’re a startup or an established fintech, we make it easy to go live quickly.

2. Customizable Workflows

Trigger disbursements automatically after borrower approval, KYC checks, or other custom events. Our platform fits your logic — not the other way around.

3. End-to-End Visibility

Track transaction status in real time, access full audit trails, and receive failure alerts automatically — perfect for lenders operating in regulated environments.

4. Bank-Grade Security

All transactions are encrypted, monitored, and managed through APG’s secure infrastructure. That means compliance is built in from day one.

Lender Use Case: From Approval to Funding in Seconds

Here’s how a lender might use the APG platform:

1. Loan Application submitted and processed
2. Approval decision made and borrower notified
3. Interac Send API called via APG with borrower’s email
4. Funds Received by borrower’s account in under 30 seconds
5. Status Update returned to lender’s platform for audit and compliance

This creates a seamless, fully digital loan experience — no delays, no back-office bottlenecks.

Not Just Speed — Flexibility and Control

The APG platform allows you to manage real-time disbursements at scale, while keeping control over how funds move.

You can:

• Set payment thresholds and caps
• Add user-based approval flows
• Use batch or single payouts depending on your volume
• Integrate reporting into your reconciliation tools

What Canadian Lenders Gain with APG

✅ Interac Send embedded via API
✅ Launch in weeks, not months
✅ Lower cost than wires or manual processes
✅ Trusted partner with regulatory and fintech expertise
✅ Dedicated support and onboarding team

We designed this solution specifically for digital lenders and EWA providers in Canada — because we know your customers, your requirements, and your urgency.

Don’t Let Payments Be Your Bottleneck

Borrowers don’t care how your systems are set up — they care about when the money arrives. And increasingly, if it’s not instant, they’ll look elsewhere.

With Accept/Pay Global’s real-time disbursement platform, Canadian lenders can:

• Modernize payment infrastructure
• Increase borrower trust
• Deliver a differentiated experience in seconds

Let’s talk about getting you live. Contact us today to see how real-time disbursements can grow your lending business.