Money that moves you forward.
Send and receive money. Spend with your PYMO Mastercard. Get access to overdraft protection when eligible. Repay responsibly and build your credit history.
One wallet. More possibilities.
3+
Proprietary Solutions
CA
Canadian FinTech
24/7
Access & Support
🍁
Proudly Canadian
Trust isn't a footnote. It's the foundation.
Customer funds are safeguarded separately from PaySprint's operating funds through a professional trust account maintained with a regulated Canadian financial institution.
Your Money Is Separate
Customer funds are kept apart from PaySprint's corporate operating funds — held in their own account, not used to run the business.
Your Money Is Safeguarded
Our safeguarding structure is designed around Canada's Retail Payment Activities Act (RPAA) requirements, with funds held at a regulated Canadian financial institution.
Your Money Is Accessible
Safeguarding isn't storage — PYMO is built so you can send, receive, keep and spend your funds whenever you need to.
Your Money. Your Move.
Because your funds sit in a safeguarded trust structure, the PYMO brand promise is backed by real infrastructure — not just words.
Safeguarding does not constitute deposit insurance. For full details on how customer funds are protected, see our Terms of Service.
Everything PYMO, right up front
Pick your starting point
Four ways to move, access, and grow your money — all in one wallet.
Who it's for
One wallet, every kind of money mover
See exactly which PYMO features fit the way you earn, spend, and grow.
Gold = made for you · Outline = works for you
Students & Young Adults
First account, first card, first credit history — start building early.
Newcomers to Canada
Get set up fast — no Canadian credit history required to get started.
Gig & Shift Workers
Get paid instantly and access your earnings the moment you earn them.
Everyday Budgeters
One simple subscription — send, spend, and save with no surprises.
Freelancers & Side Hustlers
Keep personal and side-business money together but separate.
Small Business Owners
Accept payments, settle instantly, and pay your team on time.
The smarter way to move money
PYMO vs. a traditional money transfer
Old-school transfer services charge you every single time you move your own money. PYMO is a subscription — pay one flat fee, move money locally as often as you like.
The proposition is simple
PYMO = Move Money. Access Money. Build Credit.
"Your Move" isn't only moving money from A to B — it's financial movement. From having limited credit access toward establishing a stronger financial profile.
Money keeps circulating on the rails: PYMO consumer spending flows straight to PYMO business merchants on the same platform — and every purchase, even outside the ecosystem, still runs through the PYMO wallet as your funding source. A two-sided loop no transfer service or standalone processor can offer.
PYMO Wallet
Receive, hold and send money. Fund through supported channels and manage everyday money from one place.
PYMO Mastercard
Spend directly from your PYMO ecosystem anywhere the card is accepted — and earn up to 5% cashback on eligible purchases, credited monthly.
PYMO Overdraft
Eligible customers get overdraft protection when they need additional funds — up to $500 for individuals and up to $5,000 for businesses.
PYMO Credit Builder
Responsible repayment of eligible credit can be reported to the credit bureau, helping customers establish and strengthen their credit history.
Four Pillars of Financial
Empowerment
Get Paid Faster
Access your money instantly — no waiting days for bank processing. Receive payments, collect remotely, and spend right away.
Spend Smarter
Control your spending with a prepaid card that works everywhere. No debt, no overdraft fees, just your money — managed your way.
Access Credit Easier
Fair, inclusive credit solutions when traditional lenders say no. Build your credit profile with transparent, flexible terms.
Grow With Confidence
Earn rewards on every transaction and unlock business growth tools. Financial empowerment designed for underserved communities.
One Wallet.
Total Control.
LOAD
Add money to your wallet instantly
SPEND
Shop online, in-store and everywhere
WITHDRAW
Get cash at any ATM worldwide
MANAGE
Track spending, move money and more
Your PYMO by PaySprint Mastercard® comes with
Convertible to cash on your card.
On eligible purchases, credited back to your card every month.
One subscription. Zero limits.
PYMO by PaySprint replaces per-transaction fees with a single subscription — so you can send, receive, keep and spend without watching every move add up.
PYMO Mastercard
Easy funding. Spend anywhere Mastercard is accepted.
Credit & Loans
Access credit and loan options through PaySprint.
No Per-Transaction Fees
Send, receive and spend without per-transaction charges.
Subscription Only
One simple subscription. No hidden transaction costs.
Unlimited Local Transfers
Make local transfers as often as you need. No limits on activity.
Help Your Business Grow Faster
PYMO by PaySprint helps businesses improve cash flow, accept payments easily, and manage finances more efficiently — without expensive banking infrastructure or POS hardware.
Open Business AccountAccept Payments Instantly
Lower Processing Costs
Improve Cash Flow
Access Business Credit
Manage Business Spending
Support Local & Global Customers
Financial Solutions That Work for Real Life
We create simple and flexible financial tools for people and businesses that are often underserved by traditional financial institutions — focused on delivering practical financial outcomes that matter.
Our platform is designed to help users:
Why Businesses and Consumers Choose PYMO by PaySprint
People choose PYMO by PaySprint because they want financial solutions that help them spend less time dealing with limitations — and more time focusing on growth, opportunities, and everyday life.
Faster
Simpler
More Accessible
More Flexible
Designed Around Real Needs
Removes Financial Friction
About PYMO by PaySprint Inc.
Helping People and Businesses Move Forward Financially
PYMO by PaySprint Inc. helps individuals and businesses get paid faster, access money easier, manage cash flow better, and grow financially — without the delays, barriers, and complexity of traditional financial systems.
Formerly known as PaySprint Inc., PYMO by PaySprint is a Canadian financial technology company focused on delivering modern financial solutions that create real financial outcomes for everyday people and businesses.
Through our proprietary financial technology platform, we are building more inclusive access to financial services across Canada and beyond.
Its digital brands — PaySprint.ca, mypaysprint.com, and the PYMO Mastercard by PaySprint — bring together innovative payment, credit, and financial services for individuals and underserved businesses across Canada.
"Empower people and businesses with faster, easier, and more inclusive financial solutions."
— Our Mission
Answers, up front
Frequently asked questions
Everything you need to know about moving money, spending, and building credit with PYMO.
Ready to Take Control of Your Finances?
Open your free PaySprint Wallet today and experience faster payments, smarter spending, and flexible financial access.