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Full detail: Where this data comes from
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.
APIs.json: https://raw.githubusercontent.com/api-evangelist/vopay/refs/heads/main/apis.yml
- 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
VoPay ships a genuine, self-serve developer portal at docs.vopay.com (a ReadMe.io hub, project vopay-api v2.0) with a sandbox, an OpenAPI-backed API reference segmented by product, an llms.txt agent index, and webhooks. The API is REST over HTTPS: all methods accept HTTP POST form-encoded parameters and return JSON. Requests authenticate with an API key plus a shared secret, sending a SHA1(apiKey + sharedSecret + date) signature, and only whitelisted IP addresses are accepted.
Twenty-three (23) OpenAPI 3.0 definitions were harvested verbatim from the ReadMe hub (https://docs.vopay.com/openapi/<filename>.json) and saved under openapi/. Base URL declared across the specs is the sandbox host https://earthnode-dev.vopay.com/api/v2.
Each product area below maps to a harvested OpenAPI definition in openapi/.
- Payment Rails API — EFT, Interac e-Transfer, ACH, RTP and related rails (85 paths) —
openapi/vopay-payment-rails-api-reference.json - Payment Methods API — bank accounts, cards, wallets and payment method management (51 paths) —
openapi/vopay-payment-method-api-reference.json - Accounts API — account balances, funding, transfers and ledger (40 paths) —
openapi/vopay-account-api-reference.json - Client Accounts API — sub/client account management (40 paths) —
openapi/vopay-client-accounts.json - Global Cash Management API — cross-border and treasury cash management (35 paths) —
openapi/vopay-global-cash-management.json - Integrations and Support API — integration and support operations (32 paths) —
openapi/vopay-integrations-and-support.json - Contact API — contacts and recipients (15 paths) —
openapi/vopay-contact.json - Verification API — identity and account verification (13 paths) —
openapi/vopay-verification.json - Dispute Management API — disputes and chargebacks (11 paths) —
openapi/vopay-dispute-management-api-reference.json - Account Onboarding API — KYC/AML onboarding (9 paths) —
openapi/vopay-account-onboarding.json - Bill Pay API — bill payments (8 paths) —
openapi/vopay-bill-pay-references.json - File Conversion API — file utilities (8 paths) —
openapi/vopay-file-conversion-api-reference.json - IQ11 API — bank account verification (7 paths) —
openapi/vopay-iq11.json - Transaction Management API — transaction reporting (7 paths) —
openapi/vopay-transaction-management.json - Branding API — white-label branding (6 paths) —
openapi/vopay-branding-api-reference.json - Scheduled Payments API — scheduled/recurring payments (5 paths) —
openapi/vopay-scheduled-payments-api-reference.json - Virtual Accounts API — virtual accounts (5 paths) —
openapi/vopay-virtual-account-api-reference.json - Blocked Accounts API — risk/compliance blocking (3 paths) —
openapi/vopay-blocked-accounts-api-reference.json - eLinx API — eLinx payment link technology (3 paths) —
openapi/vopay-elinx.json - Ping API — health/utility (3 paths) —
openapi/vopay-ping.json - Convenience Fees API — convenience fee handling (2 paths) —
openapi/vopay-convenience-fee-api-reference.json - Payments API — payments endpoint (1 path) —
openapi/vopay-payment-api-reference.json - Remittance API — remittance (1 path) —
openapi/vopay-remittance-api-reference.json
- Website
- Developer Portal
- Documentation
- API Reference
- Getting Started
- Sign Up / Sandbox
- Status Page
- Pricing
- Blog
- Support
- Terms of Service
- Privacy Policy
FN: Kin Lane Email: kin@apievangelist.com