OptiPay — The Best Card for Every Payment
The AI-powered virtual card that automatically selects the best of your credit cards for each payment, maximizes your rewards, and protects you against fraud.
OptiPay is coming soon to Canada. Sign up to be among the first beta testers.
Innovative Financial Solutions
Discover how OptiPay revolutionizes your financial management with simple, intelligent solutions tailored to your needs.
Virtual Card
A secure virtual card that consolidates all your credit cards. The AI automatically selects the best option for each payment.
Financial Assistant
An engine that picks the best card for each payment, with a virtual financial assistant that helps you manage spending and avoid unnecessary fees.
Financial Education
Easy-to-understand tools and advice to improve your financial management and help you make informed decisions.
You have multiple cards, but you’re still losing money.
Between points, cashback, hidden fees, payment dates, and interest rates, it’s nearly impossible to use your credit cards optimally on a daily basis.
One Card. Optimized Decisions. Enhanced Security.
Centralize all your cards and use artificial intelligence to:
- Choose the best card for each purchase (rewards, fees, rates, due dates).
- Protect your real cards with a single virtual card generated by OptiPay.
- Reduce fraud risk by avoiding sharing your real card numbers online.
- Guide you in improving your financial habits.
How Does It Work?
OptiPay provides tailored solutions to optimize your financial management, ensure your security, and maximize your rewards, while guaranteeing a seamless user experience.
Connect Your Cards
Add your credit cards to OptiPay securely (and, eventually, via a secure Open Banking connection).
Use Your OptiPay Card
Online or via your digital wallet (Apple Pay / Google Pay, coming soon), you only use one OptiPay virtual card.
AI Picks the Best Card
In the background, OptiPay selects the most advantageous card for each transaction: more rewards, fewer fees.
Track Your Savings
A clear dashboard shows how much you’re saving, how your cards are being used, and how to improve your finances.
OptiPay is Made for You If…
- ✓You have 2 or more credit cards.
- ✓You feel like you’re not fully benefiting from your points and cashback.
- ✓You want to reduce fraud risk and avoid typing your card numbers everywhere.
- ✓You want to take control of your finances, without becoming a banking expert.
- ✓You’re a newcomer, a family, a professional, or simply someone who wants to make better use of their money.
“OptiPay transformed the way I manage my finances. Thanks to their AI, I never miss rewards anymore!”
Become a Beta Tester
We are currently building the first version of OptiPay with a select group of users.