Get a structured Billo Business ID — a permanent address on Canada's emerging bill payment network. Every invoice auto-reconciles. No more mystery deposits.
10min
To go live
$0
Setup fee
0.35%
Per EFT payment
500K+
SMBs using e-Transfer today
The Interac e-Transfer Problem
❌ Today — Interac e-Transfer
😩 Customer writes "invoice" in memo — no match possible
🔍 20 min/week manually cross-referencing deposits
📞 "Did you get my payment?" calls every week
🗂️ QuickBooks updated manually after matching
❓ No searchable biller identity — you're just an email address
→
✅ With Billo Business ID
🎯 Billo Pay Code on invoice auto-routes payment to correct invoice
⚡ Dashboard shows INV-0847 — PAID — $450 — 2:14pm
🔔 Customer gets instant receipt; you get instant confirmation
🔗 Auto-push to QuickBooks / Xero via webhook
🔎 Searchable on Billo Network — customers find you by name
How It Works
From sign-up to first payment in under 10 minutes
Modeled on Australia's BPAY — but faster, fully self-serve, and built for North American SMBs
✓
Business Identity
BN, business name, type. No bank appointment needed.
~2 min
✓
Link Bank Account
Instant link via iQ11 — no manual transit numbers.
~3 min
3
BBID Issued
Your unique 6-digit Billo Business ID. Permanent.
Instant
4
Configure Invoices
Set limits, toggle credit cards, pick CRN logic.
~2 min
5
Go Live
Print your BBID on any invoice. Start receiving.
Same day
Self-Serve Onboarding
Get your Billo Business ID
Free to start. No credit card required.
Registration Progress
1
Business Identity
Name, type, CRA BN
2
Bank Account
Settlement destination
3
Your BBID
Network ID issued
4
Invoice Config
Limits & payment methods
5
Choose Plan
Free, SMB, or Pro
Tell us about your business
We need a few basics to issue your Billo Business ID. This information is verified against the CRA business registry.
Business Type *
👤
Sole Trader
👥
Partnership
🏢
Corporation
🔧
Contractor
🏘️
Property Mgmt
🌐
Other
Your 9-digit CRA Business Number. Found on your CRA My Business Account.
Step 1 of 5
Link your settlement account
Payments from your customers will be deposited here. We use bank-grade encryption — we never store your raw account credentials.
🔒Powered by VoPay iQ11 — the same bank-linking technology used by Canadian credit unions and fintechs. Your banking credentials are never seen or stored by Billo.
🏦
Secure Bank Account Linking
iQ11 iFrame loads here in production — select your bank and authorize with your online banking credentials
🏦 TD Bank
🏦 RBC
🏦 Scotiabank
✓ BMO (Demo)
🏦 CIBC
✓ BMO Business Chequing — ****4821 — linked (demo)
Funds arrive in your account on the next banking business day by default.
Your Billo Business ID is ready 🎉
This is your permanent address on the Billo Network. Put it on every invoice you send — customers can find and pay you by name or BBID.
Your Billo Business ID (BBID)
441892
Mike's Plumbing Services
Listed on the Billo Network · Searchable by customers · Permanent
💡How Billo Pay Codes work: When a customer pays using Billo Pay Code 441892-00847-4, Billo instantly validates the check digit, identifies your business by BBID, matches invoice #847, and routes the payment with full metadata. No memo field guessing.
Sample Invoice with BBID, Billo Pay Code & QR
Mike's Plumbing ServicesInvoice #847 · Due Apr 15, 2026
BILLO NETWORK BILLER
Emergency pipe repair — 2 hrs$300.00
Parts & materials$150.00
HST (13%)$58.50
Total Due$508.50
SCAN TO PAY
billo
Pay via Billo — Scan QR or enter detailsBiller ID: 441892 · Pay Code: 441892-00847-4 · Amount: $508.50↑ Scan with any phone camera · No app required
🔌QuickBooks / Xero plugin: Install Billo for QuickBooks and this QR block auto-inserts on every invoice you generate — no copy-pasting required.
Configure your invoice settings
Set your payment limits and choose which funding methods you accept. You can change these anytime from your dashboard.
Smallest invoice you'll accept via Billo
Largest single payment you'll accept
Dynamic Billo Pay Codes give you the best reconciliation data. Intelligent Billo Pay Codes are ideal for fixed-amount recurring bills.
Accepted Payment Methods
🏦
EFT / Bank Account
Next business day settlement via Canadian EFT
0.35%
⚡
Interac e-Transfer
Structured Interac with Billo Pay Code — same day
0.35%
💳
Credit Card (Visa / Mastercard)
Via RPPS network — customers earn points
0.75%
We'll auto-push payment confirmations with full Billo Pay Code metadata to your accounting software.
Choose your plan
Start free. Upgrade when your volume justifies it. No lock-in, cancel anytime.
Free
$0/mo
BBID on Billo Network
Up to 20 invoices/mo
Manual Billo Pay Code generation
Basic dashboard
Billo SMB
$19/mo
Unlimited invoices
Bulk Billo Pay Code generation
QuickBooks / Xero webhook
Branded invoice template
Payment reminders
Billo SMB Pro
$49/mo
Everything in SMB
API access
Multi-user accounts
Sub-account management
Priority support
💡Transaction fees apply on all tiers: 0.35% EFT · 0.35% Interac · 0.75% credit card. No monthly minimum volume required.
✓
You're live on the Billo Network
Your BBID is active. Add it to your next invoice and watch reconciliation become automatic.
Your Billo Business ID
441892
Mike's Plumbing Services
Auto-Reconciliation
Your payments, matched instantly
Every Billo Pay Code carries structured metadata. When a payment lands, your dashboard already knows which invoice it's for.
How it works
From mystery deposit to matched invoice in milliseconds
The Billo Pay Code is validated by Billo's network before the payment even processes. By the time funds hit your settlement account, the match is already made.