Payments across
North America.
Local pay-ins and payouts across 1 North America market — Canada — cleared entirely on cards. One integration, higher acceptance, fast settlement.
How North America pays
Coverage in North America is Canada, and Canada runs on a standard card flow: Visa and Mastercard for pay-ins, with Apple Pay and Google Pay layered on top for wallet checkout on mobile and desktop alike. There is no local bank-transfer or wallet rail specific to the market in our current coverage — cards carry the volume.
That makes Canada the most straightforward market in our coverage to integrate against: no region-specific method to route around, no local currency conversion beyond CAD settlement, and a card-and-wallet flow a merchant already running cards elsewhere will recognize immediately. Approval optimization still applies — transactions route to the acquirer that performs best for them, the same as in every other market — but the method mix itself doesn't vary by customer segment the way it does in markets with multiple local rails.
A merchant expanding from a card-first market into Canada should expect the integration to extend cleanly rather than require new logic: the same card and wallet checkout, settling in CAD, on the same platform used for every other region.
Canada's card infrastructure is mature enough that acceptance sits primarily on issuer-side risk decisioning rather than on a local-method coverage gap the way it does in markets with several competing rails. The work is routing to the acquirer best placed to authorize it a given transaction and handling 3D Secure correctly at checkout — not building out a second payment method to cover customers a card can't reach. For a merchant already running Visa and Mastercard elsewhere, Canada is closer to a configuration step on an existing integration than a new build.
Single-market coverage is a scope decision, not a gap — Canada's rail infrastructure supports the same card-and-wallet flow whether a business runs a handful of transactions a month or a high transaction count with fast-moving digital goods. Onboarding follows the standard underwriting review; once approved, routing, settlement and payout run on the platform used for every other market.
North America markets
Payouts in North America
Payouts in Canada settle through the same card-adjacent bank rails as pay-ins, in CAD, without a separate local method to configure. A payout follows the standard schedule agreed at onboarding, landing in a Canadian bank account rather than routing through an intermediary currency or a cross-border correspondent path — the same disbursement mechanics used everywhere else in our coverage, applied to a single market.
Onboarding here hinges less on the rail — there's only one — and more on the shape of the business itself: transaction volume, average ticket, refund rate. That's true everywhere we operate, but it shows more plainly in Canada because there's no local-method complexity to distract from it.
Frequently asked
Why is North America limited to Canada?
Our current North America coverage is Canada; expansion into additional North America markets follows the same underwriting and routing process as any other market we add, and is scoped separately from what's live today.
Does Canada support local bank transfer or wallets beyond Apple Pay and Google Pay?
Not in our current coverage — Canada clears on Visa and Mastercard, with Apple Pay and Google Pay as the wallet layer on top of those card rails. There is no separate local bank-transfer method in this market the way there is in, for example, Europe or Latin America.
What currency does Canada settle in?
CAD. Settlement follows the local currency, consistent with how every market in our coverage clears, and reconciliation is handled without the merchant needing a Canadian bank account.