One tap.
Paid.
Save your card once. Check out everywhere PaperPay is accepted — with a single tap.
0.10%
Processing markup
+$0.05
Per transaction
Interac+
Canadian debit rails
BTC · ETH · USDC
Crypto accepted
How it works
Checkout in three steps
Your card lives in PaperPay. Every merchant gets a one-tap button.
1
Enter your email
Type your email at any PaperPay-powered checkout. We recognize you instantly — no account lookup delay.
2
Confirm with a code
We send a 6-digit code to your phone. Enter it once. Your saved card and address fill in automatically.
3
Tap Pay
Review the amount and tap Pay. That's it. The same flow works on every merchant using PaperPay — forever.
Security
Built for trust
Passkeys replace passwords. Merchants never see your card number. Every payment requires your device.
Passkey authentication
Log in and approve payments with Face ID, Touch ID, or Windows Hello. No password to phish or leak.
PCI SAQ-A for merchants
Card numbers are captured inside a cross-origin iframe on our PCI Level 1 servers. Merchants never see raw PAN data.
AI spending containers
AI agents get a partitioned spending bucket with hard limits, category controls, and a one-tap freeze. You set the blast radius.
Canadian data residency
All customer data is stored in Canada. FINTRAC MSB compliant. RPAA registered payment service provider.
Pricing
The lowest rate in Canada
Interchange-plus pricing with no flat markup fees hidden in the fine print.
| Processor | Model | Online rate | Fixed fee |
|---|---|---|---|
| Stripe Canada | Flat-rate | 2.90% | +$0.30 |
| Square Canada | Flat-rate | 2.90% | +$0.30 |
| Moneris | Tiered | 1.5–2.5% | +$0.10–$0.15 |
| Helcim | Interchange+ | 0.15–0.50% | +$0.06–$0.25 |
| PaperPay | Interchange+ | 0.10% | +$0.05 |
Start saving on every transaction
Join the beta. We're onboarding Canadian merchants now.
No credit card required. Beta is free for the first 90 days.