PayFast
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The smartest way toown cryptoin Canada.

Move dollars from your bank into self-custody — instant, transparent, and FINTRAC-registered.

Get StartedExplore Platform

FINTRAC-registered·Non-custodial·Trusted by 184K+ Canadians

user.payfast.ca

Portfolio value

$48,210.65 CAD

▲ 4.2% today

Buy crypto

Buy crypto

You pay

$500.00

CAD

You get

0.00714

BTC

Rate1 BTC = $69,940

Buy now

Live prices

  • Bitcoin

    $69,940

    +2.1%

  • Ethereum

    $3,840

    +1.4%

  • USDC

    $1.00

    0.0%

Recent transactions

View all

  • Interac deposit

    Today, 2:14 PM

    +$5,000.00

    Settled

  • Bought Bitcoin

    Today, 2:15 PM

    0.00714 BTC

    Done

  • Sent to wallet

    0x7a…f3

    0.00714 BTC

    Pending
Live Settlement Demo

See your money move, step by step.

Every deposit flows through verification, settlement, and delivery — with a live status you can watch, not a black box you have to trust.

  • Real-time status on every transaction stage.

  • No surprises — fees and timing shown upfront.

  • Self-custody delivery straight to your wallet.

Settlement #4821

CAD → USDC

$5,000 deposited

  1. 1

    Deposit received

    Funds confirmed from your bank

    In progress
  2. 2

    Identity verified

    KYC checks passed

    Pending
  3. 3

    Settlement

    Converting CAD to USDC

    Pending
  4. 4

    Delivered to wallet

    Sent to self-custody

    Pending

$2.4B+

Processed

184K+

Verified Canadians

99.98%

Uptime

4

Settlement Rails

How it Works

From your bank to self-custody.

Three effortless steps move your money from a Canadian bank account straight into a wallet you control — with full visibility the whole way.

Your bank

Send a transfer over Interac, EFT, or wire from any Canadian account.

Secure Canadian transfers
Powered by PayFast

PayFast settles it

We verify, convert, and settle in real time — without ever custodying your funds.

FINTRAC registered

Your wallet

Crypto lands directly in a self-custody wallet that's fully, instantly yours.

Full self-custody
Built in CanadaBank-level securityInstant settlementsTrusted by thousands
Choose Your Rail

Pick the rail that fits your pace.

Settlement rails, each tuned for a different speed, limit, and availability.

Interac

Settlement time
1-2 business days
Limits
$10K / txn
Availability
24 / 7

Fast domestic transfer

EFT

Settlement time
5-8 business days
Limits
$250K / txn
Availability
Business days

Bank transfer (batch)

Manual EFT

Settlement time
5-8 business days
Limits
$150K / txn
Availability
Bank hours

Manual bank posting

Manual Wire

Settlement time
5-8 business days
Limits
$150K / txn
Availability
Business hours

Global wire option

The Workspace

One portal for every settlement.

Track deposits, manage wallets, and reconcile every transaction — from a single, calm interface.

PayFast Workspace — Overview

Workspace overview

Your settlement activity at a glance

Settled this month

$842K

+12.4%

Active wallets

38

+4 new

Avg. settle time

2.1m

−18%

TransactionRailAmountStatus
RBC → WalletInterac$5,000Settled
TD → WalletWire$48,000Settling
Scotia → WalletEFT$12,500Settled
BMO → WalletManual EFT$3,200Settled
Everything You Need

Built for trust at every layer.

Ledger
Live
Matched today
142▲ 12%
Bank deposit$5,000.00
Settled USDC4,985.00
ReconciledMatched
Auto-matched
+$5,000.00
Reconciled in 0.8s
Real-Time Reconciliation
Every deposit, conversion, and withdrawal matched automatically — your books are always current, never a day behind.
Main Wallet
0x7a…f3
12,480
Transferring…
Withdraw to self-custody
4,985 USDC
0x9c…2a
Completed· 2:15 PM
Non-Custodial Withdrawals
Funds settle straight to a wallet you control — we verify and release, but never hold your keys.
Settlement in progress
~8 sec
InitiatedProcessingCompleted
$5,000.00 CAD4,985 USDC
Fast Settlement
Instant rails clear in seconds, not days — with a live status you can watch the whole way through.
Settlement railChange
Every Rail Connected
Interac, EFT, and wire — pick the rail that fits your speed, limit, and timing. Switch anytime, and settlement adapts instantly.
Secure End-to-End
FINTRAC-registered, KYC-verified, and bank-grade encrypted at every step — built to satisfy compliance teams and individuals alike.
FINTRACSOC 2KYC VerifiedPCI Compliant
Getting Started

Live in four simple steps.

From first sign-up to crypto in your own wallet — one continuous, guided path with nothing left to guess.

01
Verify Identity

Complete KYC in minutes with a quick, secure check.

02
Fund Account

Move money from your bank over the rail you choose.

03
Track Settlement

Watch each step convert in real time, end to end.

04
Withdraw to Wallet

Receive crypto directly in your self-custody wallet.

01
Verify Identity

Complete KYC in minutes with a quick, secure check.

02
Fund Account

Move money from your bank over the rail you choose.

03
Track Settlement

Watch each step convert in real time, end to end.

04
Withdraw to Wallet

Receive crypto directly in your self-custody wallet.

Trusted by Canadians

Trusted by thousands of
crypto investors.

Real stories from Canadians moving real money — every transfer backed by the trust they describe.

FAQs

Frequently Asked Questions

No. PayFast is fully non-custodial — settled crypto goes directly to a wallet you control. We never hold your keys or your funds.
It depends on the rail you choose. Interac settles instantly, EFT same-day, and wires within 1–3 hours during business hours.
Yes. PayFast is FINTRAC-registered and follows full KYC and AML requirements, with bank-grade security at every step.
Fees are shown upfront before you confirm any transfer — no hidden spreads or surprise charges. You always see exactly what you pay.
You can settle into USDC, Bitcoin, and Ethereum today, with more assets added regularly based on demand.
Limits vary by rail, from $10K/day on Interac up to no limit on wire transfers for verified institutional accounts.
Still have questions?
Contact Support