Everything You Need to Pay Smarter
OptiPay analyzes each of your transactions and automatically selects the card that maximizes your rewards — in real time, in the background.
A Complete Platform
From the dashboard to AI recommendation, every feature is designed to save you money effortlessly.
Instant AI Recommendation
Enter an amount and category — the AI analyzes your cards and recommends the one with the best return. Real-time AI score visible instantly.
Multi-Card Management
Add all your cards — Visa, Mastercard, Amex — from any Canadian bank. Set reward rates by spending category.
Savings Tracking
Every optimized transaction shows the savings achieved. Full history of all your accepted recommendations.
Secure Virtual Card
One virtual card for all your online purchases. Your real cards stay private — zero leak risk. Compatible with Apple Pay and Google Pay (coming soon).
Analytics Dashboard
Visualize your cumulative savings and recommendation history. A clear overview of your payment behavior.
Country & Currency Optimization
OptiPay automatically identifies the card with no foreign transaction fees for purchases in Canada, the US, or internationally.
A Recommendation in Seconds
Enter your transaction — amount, category, country — and OptiPay instantly compares all your cards.
TD Visa InfiniteAI Score: 92/100
Compatible With All Your Cards
Visa, Mastercard, American Express — whatever your Canadian bank.
Simple and Transparent
Start for free, upgrade to Pro when you’re ready.
Perfect for discovering OptiPay and optimizing your first payments.
- Up to 3 credit cards
- 10 AI recommendations / month
- Basic dashboard
- Standard categories
- Secure virtual card
For users who want to get the most from their cards every day.
- Unlimited cards
- Unlimited AI recommendations
- Advanced dashboard + analytics
- Multi-currency optimization
- Virtual card + Apple / Google Pay
- Alerts and financial tips
Ready to Pay Smarter?
OptiPay is currently in development. Join the waitlist and be among the first to try it in Canada.