aid: vopay url: https://raw.githubusercontent.com/api-evangelist/vopay/refs/heads/main/apis.yml name: VoPay kind: company description: VoPay is a Vancouver, Canada based fintech offering an API-first embedded finance and payments-as-a-service platform that lets software companies, marketplaces, lenders, and enterprises move money across Canadian and North American bank rails from a single set of REST endpoints. Its Fintech-as-a-Service suite spans EFT, Interac e-Transfer, ACH, RTP/FedNow/FedWire, VoPay Instant, card and digital-wallet payments, cross-border and global cash management, virtual accounts, ledgering, scheduled and recurring payments, bank-account verification (IQ11), KYC/AML onboarding, and dispute management. VoPay ships a genuine public developer portal (docs.vopay.com) with a sandbox, an OpenAPI-backed API reference segmented by product, webhooks for transaction and account events, and API-key-plus-shared-secret signature authentication with IP whitelisting. Its home market is Canada, where it operates as an API-native money-movement layer over Interac and Payments Canada rails. image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg tags: - Payments - Canada - Embedded Finance - Payments as a Service - Account-to-Account - EFT - Interac e-Transfer - ACH - Real-Time Payments - Cross-Border - Money Transfer - Bank Account Verification - KYC - Virtual Accounts - Open Banking created: '2026-07-24' modified: '2026-07-24' specificationVersion: '0.19' apis: - aid: vopay:vopay-account-api-reference name: VoPay Accounts API description: VoPay's Accounts API — 44 documented operation(s) across 40 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Accounts - Ledger properties: - type: OpenAPI url: openapi/vopay-account-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-account-onboarding name: VoPay Account Onboarding API description: VoPay's Account Onboarding API — 9 documented operation(s) across 9 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Onboarding - KYC properties: - type: OpenAPI url: openapi/vopay-account-onboarding.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-bill-pay-references name: VoPay Bill Pay API description: VoPay's Bill Pay API — 8 documented operation(s) across 8 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Bill Pay - Payments properties: - type: OpenAPI url: openapi/vopay-bill-pay-references.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-blocked-accounts-api-reference name: VoPay Blocked Accounts API description: VoPay's Blocked Accounts API — 3 documented operation(s) across 3 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Risk - Compliance properties: - type: OpenAPI url: openapi/vopay-blocked-accounts-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-branding-api-reference name: VoPay Branding API description: VoPay's Branding API — 6 documented operation(s) across 6 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Branding - White Label properties: - type: OpenAPI url: openapi/vopay-branding-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-client-accounts name: VoPay Client Accounts API description: VoPay's Client Accounts API — 41 documented operation(s) across 40 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Client Accounts - Sub-Accounts properties: - type: OpenAPI url: openapi/vopay-client-accounts.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-contact name: VoPay Contact API description: VoPay's Contact API — 15 documented operation(s) across 15 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Contacts - Recipients properties: - type: OpenAPI url: openapi/vopay-contact.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-convenience-fee-api-reference name: VoPay Convenience Fees API description: VoPay's Convenience Fees API — 6 documented operation(s) across 2 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Fees - Billing properties: - type: OpenAPI url: openapi/vopay-convenience-fee-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-dispute-management-api-reference name: VoPay Dispute Management Endpoints API description: VoPay's Dispute Management Endpoints API — 11 documented operation(s) across 11 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Disputes - Chargebacks properties: - type: OpenAPI url: openapi/vopay-dispute-management-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-elinx name: VoPay eLinx API description: VoPay's eLinx API — 5 documented operation(s) across 3 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Payment Links - eLinx properties: - type: OpenAPI url: openapi/vopay-elinx.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-file-conversion-api-reference name: VoPay File Conversion API description: VoPay's File Conversion API — 8 documented operation(s) across 8 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Files - Utilities properties: - type: OpenAPI url: openapi/vopay-file-conversion-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-global-cash-management name: VoPay Global Cash Management API description: VoPay's Global Cash Management API — 35 documented operation(s) across 35 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Cross-Border - Treasury properties: - type: OpenAPI url: openapi/vopay-global-cash-management.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-integrations-and-support name: VoPay Integrations and Support API description: VoPay's Integrations and Support API — 32 documented operation(s) across 32 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Integrations - Support properties: - type: OpenAPI url: openapi/vopay-integrations-and-support.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-iq11 name: VoPay IQ11 API description: VoPay's IQ11 API — 8 documented operation(s) across 7 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Bank Account Verification - IQ11 properties: - type: OpenAPI url: openapi/vopay-iq11.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-payment-api-reference name: VoPay Payments API description: VoPay's Payments API — 1 documented operation(s) across 1 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api tags: - Payments properties: - type: OpenAPI url: openapi/vopay-payment-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-payment-method-api-reference name: VoPay Payment Methods API description: VoPay's Payment Methods API — 51 documented operation(s) across 51 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Payment Methods - Bank Accounts properties: - type: OpenAPI url: openapi/vopay-payment-method-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-payment-rails-api-reference name: VoPay Payment Rails API description: VoPay's Payment Rails API — 85 documented operation(s) across 85 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Payment Rails - EFT - Interac - ACH - RTP properties: - type: OpenAPI url: openapi/vopay-payment-rails-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-ping name: VoPay Ping API description: VoPay's Ping API — 3 documented operation(s) across 3 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Utilities - Health properties: - type: OpenAPI url: openapi/vopay-ping.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-remittance-api-reference name: VoPay Remittance API API description: VoPay's Remittance API API — 1 documented operation(s) across 1 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Remittance - Cross-Border properties: - type: OpenAPI url: openapi/vopay-remittance-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-scheduled-payments-api-reference name: VoPay Scheduled Payments API description: VoPay's Scheduled Payments API — 6 documented operation(s) across 5 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Scheduled Payments - Recurring properties: - type: OpenAPI url: openapi/vopay-scheduled-payments-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-transaction-management name: VoPay Transaction Management API description: VoPay's Transaction Management API — 7 documented operation(s) across 7 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Transactions - Reporting properties: - type: OpenAPI url: openapi/vopay-transaction-management.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-verification name: VoPay Verification API description: VoPay's Verification API — 13 documented operation(s) across 13 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Verification - KYC properties: - type: OpenAPI url: openapi/vopay-verification.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - aid: vopay:vopay-virtual-account-api-reference name: VoPay Virtual Accounts API description: VoPay's Virtual Accounts API — 6 documented operation(s) across 5 path(s) on VoPay's API-first embedded finance platform for Canadian and cross-border money movement. humanURL: https://docs.vopay.com/reference/getting-started-with-your-api baseURL: https://earthnode-dev.vopay.com/api/v2 tags: - Virtual Accounts - Treasury properties: - type: OpenAPI url: openapi/vopay-virtual-account-api-reference.json - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api common: - type: VulnerabilityDisclosure url: security/vopay-vulnerability-disclosure.yml - type: DomainSecurity url: security/vopay-domain-security.yml - type: AgenticAccess url: agentic-access/vopay-agentic-access.yml - type: Website url: https://vopay.com/ - type: DeveloperPortal url: https://docs.vopay.com/ - type: Documentation url: https://docs.vopay.com/docs/api-overview - type: APIReference url: https://docs.vopay.com/reference/getting-started-with-your-api - type: GettingStarted url: https://docs.vopay.com/docs/getting-started - type: SignUp url: https://vopay.com/api-sandbox/ - type: StatusPage url: https://status.vopay.com/ - type: Pricing url: https://vopay.com/pricing/ - type: Blog url: https://blog.vopay.com/ - type: Support url: https://vopay.com/contact/ - type: TermsOfService url: https://vopay.com/legal/term-of-use/ - type: PrivacyPolicy url: https://vopay.com/legal/privacy-policy - type: LinkedIn url: https://www.linkedin.com/company/vopay - type: Authentication url: authentication/vopay-authentication.yml - type: Conventions url: conventions/vopay-conventions.yml - type: Idempotency url: conventions/vopay-conventions.yml - type: ErrorCatalog url: errors/vopay-error-codes.yml - type: DeclineCodes url: errors/vopay-decline-codes.yml - type: Sandbox url: sandbox/vopay-sandbox.yml - type: Lifecycle url: lifecycle/vopay-lifecycle.yml - type: ChangeLog url: changelog/vopay-changelog.yml - type: Conformance url: conformance/vopay-conformance.yml - type: DataModel url: data-model/vopay-data-model.yml - type: Packages url: packages/vopay-packages.yml - type: Components url: components/vopay-components.yml - type: WellKnown url: well-known/vopay-well-known.yml - type: SecurityTxt url: well-known/vopay-security.txt - type: LLMsTxt url: llms/vopay-llms.txt - type: MCPServer url: mcp/vopay-mcp.yml - type: ToolCrosswalk url: mcp/vopay-tool-crosswalk.yml - type: Security url: https://vopay.com/.well-known/security.txt - type: AsyncAPI url: asyncapi/vopay-webhooks-asyncapi.yml - type: Webhooks url: asyncapi/vopay-webhooks-asyncapi.yml - type: AgentSkill url: skills/vopay-eft-collect-funds.md name: Collect funds by EFT - type: AgentSkill url: skills/vopay-verify-bank-account-iq11.md name: Verify a bank account with IQ11 - type: AgentSkill url: skills/vopay-interac-request-money.md name: Request money by Interac e-Transfer maintainers: - FN: Kin Lane email: kin@apievangelist.com