Maximize deposits with a holistic funding experience
Provide one fast and simple account funding experience from connecting a bank account to payment initiation.
Canadians increasingly expect better digital account funding experiences
82%+
Manage their finances online, highlighting a clear shift to digital-first banking.
66%+
Prefer near-instant fund availability, demanding faster account funding.
Optimize the funding experience
Step 1: Customer links bank arrow_forward
Offer customers a secure, user-friendly way to link their bank within your application.
Step 2: Account validation and verification arrow_forward
Flinks verifies the customer details and validates the linked bank account.
Step 3: Pre-authorized debit (PAD) generation arrow_forward
Customers authorize one-time or scheduled fund transfers by accepting a PAD agreement.
Step 4: Payment processed arrow_forward
Flinks processes the payment, with funds available based on standard EFT timelines.
Step 1: Request for money arrow_forward
Offer customers a secure, user-friendly way to accept an e-Transfer request within your application.
Step 2: Bank selection arrow_forward
Customers select their bank and can fund their accounts up to $10,000, subject to their bank's limits.
Step 3: Payment authentication arrow_forward
The selected bank and INTERAC® securely authenticate the payment.
Step 4: Instant fund availability arrow_forward
Flinks processes the payment, allowing you to make funds instantly available for customers.
Real-time, risk-free account funding
Seamless payments designed to convert and save
Improve UX, convert more customers
Streamline the account funding process with a single seamless experience that minimizes manual steps like micro-deposits or redirecting customers away from the flow.
Secure and reliable payments
Offer flexible funding options your customers prefer and trust, with the ability to accelerate delivery for instant access to funds with INTERAC®.
Cut payment costs
Lower overall payment expenses by reducing hidden fees, operational overhead, transaction failures, potential fraud and more.
Explore our embedded finance solutions
Easily connect and access financial data
Serve more customers, allow them to connect their bank accounts, and gain instant access to data from 15,000+ financial institutions in North America.
Send and receive payments
Simplify account validation, funding, loan repayments, and PAD authorization with one secure payment platform.
Meet with an expert today
Book a 30-minute chat to see how Flinks can help you build seamless financial experiences.
“With Flinks we’re able to onboard thousands of clients daily in a matter of minutes, making a complex process as simple and frictionless as possible.”
Laura Lampe
VP, CX Operations
“With our AI and credit models the more data we have, the better decisions we can make. And Flinks help us by giving us more data. They give us both a macro and micro view of consumer behaviour.”
Jonathon Goler
Chief Risk Officer
“Files are securely transferred from our front-end, which powered by Flinks, to our document repository system for safe-keeping. It has made things a lot easier for our clients.”
Paul von Martels
Vice President