Everlink

Everlink Payment Services Inc. is a Canadian payment technology provider. It was founded in 2004 and is located in Markham, Ontario. Credit unions, banks, independent sales organizations (ISOs), and small and medium-sized enterprises (SMEs) across Canada trust Everlink. The company offers a complete set of payment solutions built on secure and scalable networks.

Overview & Company Background

Vision & Service Ethos

Everlink positions itself as a leading provider of comprehensive, innovative, and integrated payment solutions, serving financial institutions and businesses with a client-centered approach. Their mission is to help clients remain competitive through quality, urgency, and reliability, delivering what they promise, when they promise it.

Network & Market Reach

Operating since 2004, Everlink has built connectivity to 14 different domestic and international payment networks, positioning itself as a bridge between clients and global payment rails. According to Everlink, 100% of tokenized Interac® mobile debit payments in Canada are processed through its infrastructure.

Everlink recently celebrated nearly 20 years of continuous innovation, underscoring its longevity and influence in the Canadian payments landscape.

Core Payment Services

Everlink delivers a robust set of Lines of Business:

1. Payment Network Gateway

Everlink’s Payment Network Gateway Service powers connectivity for banks, credit unions, and processors. This infrastructure enables seamless participation in both domestic (like Interac®) and international payment networks via a high-availability, secure routing platform. Notably, Everlink was recommended by the Credit Union Payments Strategy Committee as the preferred payment switch provider for Canadian credit unions.

2. eHUB™ Digital Payments Platform

eHUB™ serves as Everlink’s centralized digital payments hub. It offers access to eCommerce, money movement (including Interac® e-Transfer v3.5), fraud management, and real-time payment capabilities via API integration. This hub enables banks, fintechs, and SMEs to leverage modern payment flows without heavy investment in internal development.

3. ATM Managed Services

Under its ATM Express line, Everlink provides ATM Managed Services, offering deployment, monitoring, and operations support for ATM networks. The service is customizable and designed to optimize uptime, compliance, and cost-efficiency for financial institutions and service providers.

4. Card Issuance & Management

Everlink supports EMV debit card issuance through its secure central facility. It offers co-badged Debit Card Programs, allowing institutions to empower cardholders with global acceptance via Visa Debit or Debit Mastercard capabilities. This gives users worldwide transaction access with built-in security features.

5. Fraud Management Solutions

To protect clients, Everlink offers tools such as eDetect™, Lock’N’Block®, 3DS Authentication via VCAS, and Country Block & Travel Exclusion, including automated hot card management. These features help institutions detect and block fraudulent activity proactively.

6. Mobile Payments

Everlink is a pioneer of tap-and-pay mobile payment adoption in Canada. It processes all tokenized mobile debit transactions for Canadian users via Interac® and facilitates seamless mobile wallet integration at point-of-sale and online checkout.

7. SME & Retail Solutions

Everlink delivers SME-focused payments functionality—merchant services, eCommerce integration, loyalty, and alternative lending—all supported through its digital platform and professional services teams.

8. Professional Services

Complementing its technology offerings, Everlink provides payment strategy consulting, integration support, certification assistance, and operational guidance. Their teams help clients navigate evolving compliance, network, and technical landscapes.

Key Features & Capabilities

Secure, Compliant Infrastructure

Everlink’s infrastructure supports Interac® e-Transfer v3.5 and compliant gateway services with end-to-end encryption, tokenization, and fraud protection certified by major card networks and regulatory bodies.

High Availability & Scalability

The company’s infrastructure services are built for resilience, redundancy, and scale—designed to meet high transaction volumes and business continuity demands for financial institutions and enterprise clients.

Multi-Network Connectivity

With connections to 14+ payment networks, Everlink enables institutions to support debit, credit, ATM, and real-time payments across domestic and cross-border networks.

Modern API-First Platform

eHUB™ enables access to Everlink’s services via APIs, reducing implementation time and cost for partners and fintechs adopting mobile, real-time, and eCommerce payments.

Fraud & Risk Mitigation Tools

Everlink’s proprietary fraud tools (eDetect™, Lock’N’Block®, etc.) are embedded in its payments flows, helping clients detect, suspend, or block suspicious activity proactively.

Tailored SME Support

Everlink’s SME solutions are designed to help smaller businesses get access to modern payment functionality—eCommerce support, card-payment acceptance, loyalty, and integration to back-end systems, often via partner banks or credit unions.

Conclusion

Everlink is a complete payment infrastructure provider focused on Canadian financial institutions and their small to medium-sized enterprises. It offers core Payment Network Gateway services, card issuance, ATM management, fraud protection, and mobile payments, all managed through its eHUB™ digital hub. Everlink provides scalable and compliant solutions without requiring significant in-house investment. With nearly 20 years of experience and a solid reputation in the industry, Everlink is a reliable choice for businesses and institutions looking for robust payment solutions.