Resources

Case studies, guides, and the compliance library.

Practical content for Canadian finance, operations, and product leaders making decisions about how money moves through their business.

Case Studies

How real customers use Novobill

Creator platform

Cross-border payouts to thousands of creators on a weekly cycle

A subscription content platform consolidated EMI collection, FX rebalancing across CAD/EUR/USD/GBP/BRL, and weekly creator payouts onto NovoBill — replacing four vendors with one ledger.

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Affiliate network

Bulk publisher payouts: 12,000 recipients per cycle

An affiliate network used SFTP file intake and sub-account templates to push high-volume payouts in five currencies, with daily statements and reference mapping for clean reconciliation.

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Crypto-adjacent

Fiat-FX-crypto under one compliance frame

An NFT marketplace ran fiat collection via partner PSPs, FX into stablecoin treasury via a registered crypto partner, and audit-ready records for every step — without coordinating four counterparties.

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Online gaming (where legal)

Switching from a niche high-risk specialist at half the take rate

A licensed iGaming operator moved cross-border supplier payouts and FX from a 12% take-rate specialist to NovoBill, with case-by-case enhanced due diligence and a named MLRO contact.

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Direct merchant

Paying freelancers and vendors in 11 countries from one wallet

A digital content studio centralised supplier payouts on NovoBill's multi-currency wallet — firm FX at instruction, proof of credit per transfer, and reconciliation against an internal invoice ledger.

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PSP-anchored merchant

Master-account redistribution after EU PSP collection

A freelance marketplace settled into a NovoBill master account from its EU PSP, then redistributed earnings to thousands of contractor sub-accounts with screening, multi-currency support, and predictable cut-offs.

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Guides

Practical guides for finance and operations teams

Canadian MSB Vendor Due Diligence Checklist

A 12-question checklist your finance and legal team can use when evaluating any cross-border payments provider. FINTRAC MSB status, RPAA, safeguarding model, partner banks, sanctions and AML controls.

Download the checklist

FX Cost Hidden in Plain Sight

How banks and processors hide FX markup in conversion rates, and how to calculate the all-in cost of cross-border transactions in your business.

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Why iGaming, Adult, and Crypto Merchants Get Offboarded

The structural reasons mainstream EMIs and banks decline or offboard high-risk online businesses — and what compliant alternatives look like.

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Reconciliation for Multi-Rail Cross-Border Flows

Practical patterns for finance teams reconciling EMI/PSP collections, NovoBill master accounts, FX legs, and end-beneficiary payouts against partner statements.

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Bulk Payouts at Scale: SFTP, Sub-Accounts, and Result Files

How affiliate networks and creator platforms run thousands of payouts per cycle without manual file shuffling — and what controls satisfy partner-bank requirements.

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Compliant Fiat-FX-Crypto Workflows

How to structure on/off-ramp through registered partners with address verification, sanctions screening, Travel Rule data, and audit-ready records across all three legs.

Read the guide
Blog

Latest from Novobill

Regulatory

What the RPAA actually means for your business

Cutting through the compliance jargon — what changed in November 2024 and what Canadian businesses need to ask their processors now.

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Product

Why mainstream EMIs offboard creator and gaming platforms

Banks and mainstream EMIs (Wise, Payoneer, Revolut Business, Airwallex) are optimized for low/mid-risk merchants. Here's why high-risk-tolerant rails matter — and what to look for when evaluating one.

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Industry

Why Canadian banks are losing the SMB payments market

Slow onboarding, expensive FX, no API. The structural reasons banks are bleeding mid-market customers to specialist PSPs.

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Engineering

Building idempotent payment APIs that actually work

The lessons from designing the Novobill API around idempotency keys — what we learned, what we'd do differently.

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Finance

The hidden cost of using your bank for cross-border payments

A real walkthrough of FX markup, intermediary fees, and timing cost — and how to model the all-in cost for your business.

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Compliance

What FINTRAC MSB registration actually requires

Beyond the registration number — the ongoing AML, reporting, and screening obligations of a registered MSB in Canada, in plain English.

Read more
Compliance Library

For procurement, security, and legal teams

Public documentation

  • RPAA registration entry (Bank of Canada)
  • FINTRAC MSB registration
  • Privacy policy
  • Terms of service
  • Complaints and dispute resolution procedure
  • AML policy summary

Available on request (NDA)

  • PCI DSS Attestation of Compliance
  • Penetration test summary
  • Security questionnaire (SIG, CAIQ, custom)
  • Business continuity plan summary
  • Information security policy framework

Ready to talk?

20-minute demo. We'll show you the platform, walk through pricing for your volume, and answer your team's compliance questions.