International transfers, currency exchange, payment-processing support via licensed EMI/PSP partners, and compliant virtual-currency on/off-ramp — delivered to online merchants through licensed counterparties, with audit-ready records throughout.
Clients fund a corporate account held with a Canada partner bank or fintech. After KYC and AML checks, NovoBill instructs payment to the beneficiary through banking partners or correspondent rails. Settlement can be one-off or recurring. Clients receive status updates and proof of credit suitable for reconciliation.
POST /v2/payment
Authorization: $NOVOBILL_API_KEY
{
"consumer": { "id": "4242521" },
"payment": {
"mode": "transfer",
"amount": 12500.00,
"currency": "EUR",
"orderId": "ord-8421",
"reference": "Invoice 2026-Q2-114"
},
"beneficiary": { "id": "ben_8c2..." }
}
Clients deposit in one currency and request conversion to another. NovoBill executes conversion through regulated FX liquidity providers after compliance checks. Rates are confirmed at instruction. The converted funds can be retained for later use or withdrawn to an external account. FX can be linked to an outgoing transfer or used to rebalance operating balances.
POST /v2/fx/quote
Authorization: $NOVOBILL_API_KEY
{
"from": { "currency": "EUR", "amount": 50000 },
"to": { "currency": "BRL" }
}
{
"data": {
"rate": 5.4821,
"fromAmount": 50000.00,
"toAmount": 274105.00,
"expiresIn": 30
}
}
Customer payments are accepted through a licensed EMI or PSP partner. Settlement funds post into a master account governed by NovoBill, where they are reconciled and screened before redistribution to merchant sub-accounts or external bank accounts. The EMI/PSP partner handles transaction-level checks, chargebacks, and card-data scope. NovoBill orchestrates the merchant-side workflow above.
Customer
↓ pays via partner EMI/PSP
EMI / PSP partner (the acquirer)
↓ settles to master account
NovoBill master account (Canadian partner bank)
↓ reconcile, screen, redistribute
Merchant sub-account or external bank
An optional service used by a small share of clients and volumes. Fiat funds always sit in safeguarded client accounts at partner banks. NovoBill does not custody virtual assets and uses only registered crypto platforms.
POST /v2/crypto/onramp
Authorization: $NOVOBILL_API_KEY
{
"consumer": { "id": "4242521" },
"from": { "currency": "USD", "amount": 25000 },
"to": {
"asset": "USDC",
"wallet": "0x9aB...c12",
"network": "ethereum"
}
}
NovoBill's IT product is a multi-currency eWallet for online businesses and platforms. The wallet sits on licensed rails and connects to banking, EMI/PSP, FX, and registered crypto partners. The goal is fast rollout, clear controls, and scale without building a full banking stack.
GET /v2/balance
Authorization: $NOVOBILL_API_KEY
{
"data": {
"balances": [
{ "currency": "CAD", "available": 245380.12 },
{ "currency": "EUR", "available": 88421.50 },
{ "currency": "USD", "available": 31200.00 },
{ "currency": "GBP", "available": 12850.75 },
{ "currency": "BRL", "available": 408310.00 }
]
}
}