RailSettle is Canada's newest invoice payment platform — send a professional payment link, your client pays in one tap. No e-Transfer chaos, no manual tracking, no missed payments.
Replace the e-Transfer back-and-forth, the "did you get it?" texts, and the manual spreadsheet tracking — with one clean payment link.
Fill in your client details, services, and amount. RailSettle generates a professional invoice in seconds — no templates, no design skills needed.
Share one link via email, text, or WhatsApp. Your client opens it on any device and sees exactly what they owe — no account or app required.
Client taps "Pay Now" and funds settle in seconds. You get notified immediately. Your records update automatically. Done.
Whether you're an accountant filing taxes, a contractor billing a GC, or a consultant wrapping up a project — RailSettle gets you paid faster with less effort.
Generate a payment link for any invoice and share it via email, text, or WhatsApp. Your client pays in one tap — no account, no app, no friction.
No more random e-Transfers you can't match to invoices. Every payment is tied to the exact invoice, client, and amount — automatically recorded.
Your clients open the link on their phone, tablet, or desktop and pay instantly. No app download. No account creation. Just one tap.
Every invoice, every payment, every client — searchable and sorted in one place. No more digging through bank statements at tax time.
Get notified the instant your client views your invoice, and again when they pay. No more "did you get my invoice?" emails.
Each business gets their own private dashboard. Your invoices and client data are completely isolated and protected.
Settlement in seconds via Payments Canada's Real-Time Rail infrastructure. Currently processing via Stripe — RTR integration is our top priority.
When a client pays, QuickBooks or Xero marks the invoice paid automatically. Zero manual entry. We're building this now — sign up to get early access.
Built-in compliance with Ontario and Alberta Prompt Payment legislation — automatic notices, deadlines, and dispute documentation.
No other Canadian platform combines instant settlement with professional invoicing and automatic payment tracking — for any business size.
| Capability | RailSettle | Plooto | QuickBooks Payments | Interac e-Transfer | Bill.com |
|---|---|---|---|---|---|
| RTR-native settlement | ✓ Only one | — | — | — | — |
| ISO 20022 metadata | ✓ | — | — | — | — |
| Auto-reconciliation | ✓ | ✓ | Partial | — | ✓ |
| Construction-specific workflows | ✓ Only one | — | — | — | — |
| Prompt Payment compliance | ✓ | — | — | — | — |
| Transaction cost | 0.18% | ~0.5–1% | 2.1–2.9% | ~$1.50 flat | US only |
| Canadian company | ✓ | ✓ | US parent | ✓ | — |
| Early payment financing | ✓ Phase 2 | — | — | — | US only |
RailSettle plugs into the tools you already use. No migration, no rip-and-replace. Set up in under 30 minutes.
We're in soft launch — actively onboarding our first customers and building based on your feedback. Early members get lifetime discounted pricing and direct access to our founding team.
"Replace the e-Transfer chaos. Know exactly which client paid which invoice — automatically."
"Stop waiting 30–60 days on GC invoices. Send a payment link, get paid when they approve."
"Professional invoices, instant payment. Your corporate clients pay in one tap — no friction."
We're in soft launch. Use RailSettle completely free while we build — no credit card, no commitment. Founding members lock in discounted pricing forever when we launch paid plans.
Paid plans launching Q3 2026 · Founders pay 50% less forever
We're building in public. Here's exactly what's live, what's coming, and when.
Join Canadian businesses already using RailSettle during our soft launch. Free forever for early members, with RTR and QuickBooks sync coming Q3 2026.
No credit card · No commitment · Canadian company · Your data stays in Canada