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FinLinks

Payment orchestration for global business

FinLinks Payment Inc. is in a pre-operational / development phase. Payment services are not currently activated. Activation is subject to completion of the registrations required for the relevant activities and applicable onboarding and compliance requirements.

Global trade.
B2B payment workflows.

Subject to activation, FinLinks Payment Inc. coordinates authorized B2B payment instructions, foreign exchange and reconciliation through approved financial institutions and payment partners.

Explore the Platform View API Example

Explore a sample workflow. No bank connection required.

FINTRAC-registered MSB · N300002252 (official registry, opens in a new tab)Non-custodial platformBased in the Greater Toronto Area

MSB registration does not constitute FINTRAC endorsement or licensing. Read FINTRAC’s explanation (opens in a new tab).

Sample calculation

Estimate your trade payment

Model an invoice payment before requesting a provider quote.

Illustrative exchange rate
1 CAD = 0.7350 USD
Estimated provider fees
Not included
Provider processing estimate
Confirmed by the provider before execution.

Estimated recipient amount

USD 36,750.00

Fees not included. Confirm with the provider.

Uses fixed sample rates. This calculator does not show currency or corridor availability.

Illustrative estimate only—not an executable quote. Final rates, fees, availability, and delivery times are confirmed by the financial service provider. Intermediary or recipient bank charges may apply.

The platform

One operational layer for cross-border finance.

Connect trade documentation, provider integrations, and reconciliation workflows so your team can manage international payment operations with clearer context and control.

Product preview: the capabilities and interfaces below illustrate the proposed platform. Service activation requires completion of the applicable onboarding and compliance requirements and all registrations required for the relevant activities.

01 / Cross-Border Payment Orchestration

Connect every invoice to its payment workflow.

Organize invoice data, beneficiary details, and provider-reported payment updates in one workspace. Give finance teams a consistent view from preparation through reconciliation, while financial service providers execute the underlying transfers.

  • Match invoices with provider transaction references.
  • Apply approval rules before a workflow advances.
  • Track provider-reported processing and exception statuses.
  • Export reconciliation records to your finance systems.
Explore Payment Workflows

Invoice workflow

Illustrative workflow · Sample data

INVOICE REFERENCE

INV-DEMO-1042

Invoice amount
CAD 50,000.00
Approval status
Pending review
Provider status
Awaiting update
Reconciliation
Unmatched

Internal approval, provider-reported status, and reconciliation are separate records. Approval does not confirm payment completion.

02 / FX Connectivity & B2B payment workflows

Bring currency decisions into the workflow.

Bring provider quotes, currency requirements, and payment schedules into a consistent operational view. Connect FX decisions to the invoices they support, with execution and any quote commitment governed by the provider’s terms.

  • Associate provider quotes with invoices and payment plans.
  • Display quoted rates, fees, and expiry times.
  • Review currency requirements across upcoming obligations.
  • Reconcile provider confirmations with internal records.
Explore FX Connectivity

Provider quote overview

Sample data

Payment currency

CAD

Recipient currency

USD

Provider quote reference
quote_demo_1042
Quoted exchange rate
0.7350 USD / CAD
Provider fee
Not included in sample
Quote expires at
Not applicable—sample
Execution status
Not submitted

Illustrative quote record. No executable offer or rate commitment.

Coverage

Confirm the right route for your business.

Available currencies, funding methods, limits, fees, and processing estimates are confirmed during onboarding and before execution. Availability depends on your business profile, the payment corridor, the provider, and the relevant account arrangements.

Currencies shown in sample interfaces are illustrative. A listed currency or payment method does not establish eligibility for every transaction.

Discuss Your Requirements

Security & Compliance

Clear responsibilities. Documented controls.

Our approach separates platform access, compliance review, and provider execution responsibilities, with records that support operational oversight.

AML/ATF Governance

FinLinks maintains an AML/ATF compliance program for its applicable obligations under Canada’s Proceeds of Crime (Money Laundering) and Terrorist Financing Act and associated regulations.

  • Risk-based business and identity verification
  • Applicable recordkeeping and reporting
  • Escalation procedures and compliance review

Non-Custodial Operations

The proposed services operate on a non-custodial, in-transit basis. They do not provide deposits, stored value or reusable client balances. Payment processing is subject to the applicable MSA and designated institutional funding instructions.

  • Defined provider responsibilities
  • Documented funding instructions
  • Separate platform and provider terms

Screening & Access Controls

The proposed control design uses automated screening to support review against applicable Canadian sanctions requirements and additional lists relevant to the provider or transaction, with potential matches escalated for assessment.

  • Role-based platform permissions
  • Dual approval for configured workflows
  • Logged review decisions and exceptions
Screening automation and platform access controls are shown as product design previews; implementation and production scope must be confirmed during onboarding. FINTRAC registration is not a certification of these controls. Non-custodial operation and provider relationships do not, by themselves, establish an exemption from the Retail Payment Activities Act. Regulatory obligations depend on the activities performed and applicable law.
View Regulatory DisclosuresContact Compliance

Built for developers

From invoice data to reconciled records.

Connect your finance stack with structured APIs and event-driven updates. Start with a sample reconciliation workflow, then review production access requirements.

  • REST APIs and structured JSON
  • Idempotency in the proposed request design
  • Provider references linked to invoice records
  • Event-driven reconciliation updates
Explore API Documentation Discuss Integration Requirements
API design preview · Sample dataLocal simulation
curl --request POST \
  'https://sandbox.finlinks.example/v1/reconciliation-matches' \
  --header 'Authorization: Bearer YOUR_SANDBOX_API_KEY' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: demo-invoice-1042-match-01' \
  --data '{
    "invoice_reference": "INV-DEMO-1042",
    "provider_transaction_reference": "provider_demo_7821",
    "amount": "50000.00",
    "currency": "CAD",
    "metadata": {
      "erp_reference": "AP-DEMO-1042"
    }
  }'

Sample request ready.

A reconciliation match confirms a record match, not payment finality.

Contact sales

Submit a Business Enquiry

Tell us about your business and proposed requirements. An enquiry does not activate payment services.

Service activation requires completion of the applicable onboarding and compliance requirements and all registrations required for the relevant activities. Please do not include account numbers, identification documents, payment credentials, or confidential transaction details.

support@finlinkspay.ca

Institutional FAQ

Questions from finance, engineering, and compliance teams.

Subject to activation, FinLinks Payment Inc. coordinates authorized B2B payment instructions, foreign exchange and reconciliation through approved financial institutions and payment partners.

Build a clearer cross-border finance workflow.

Explore how FinLinks connects trade operations, provider data, and reconciliation.

Explore the PlatformDiscuss Your Integration

Service activation requires completion of the applicable onboarding and compliance requirements and all registrations required for the relevant activities.