Fund one milestone at a time, keep your payment protected while the work is being completed, and approve each stage before your professional is paid.
Your milestone payment is never handed directly to the professional. It stays in a protected balance until you approve the work attached to that milestone.
Each milestone has its own scope, deliverable and amount, so you know what you are funding.
The professional is not paid for that milestone until you review and approve the completed work.
The Permit Wallet is the protected balance where your milestone payment sits between funding the work and approving the completed stage.
You do not need to preload or top it up. You simply fund the milestone that is due, and your Payments Hub keeps a record of every funded milestone.
Project payments are made by Interac e-Transfer. Cards, EFT and pre-authorized debit are not used for milestone funding.
Permit.ca does not hold or move your money directly. Every Interac e-Transfer runs through Zūm Rails, the regulated financial technology provider behind Permit.ca payments.
Zūm Rails is a registered Payment Service Provider (PSP), supervised by the Bank of Canada under the Retail Payment Activities Act (RPAA).
Zūm Rails is federally registered as a Money Services Business (MSB) with FINTRAC. Registration number: M21154590.
Transaction notifications and real-time routing run in an independently audited, SOC 2 Type II certified environment.
Your bank statement or email confirmation may show Zūm Rails as the underlying payment provider. That is expected.
Link an Interac-enabled bank account once through the secure connection flow. After that, funding a milestone takes only a few clicks.
You fund one milestone at a time. The next milestone becomes available after the previous one is approved, so you are never funding more than one stage of work at once.
Review the agreed scope, deliverable and amount.
Fund the milestone through your linked Interac-enabled bank account.
The funded milestone appears with its date and payment status.
Once you approve the completed work, the funds move out of the protected balance, your professional’s payout is scheduled, and the platform fee is set aside from the professional’s share.
Your professional is paid exactly seven days after you approve the milestone. Approval starts the fixed seven-day payout clock.
That seven-day window stays the same even if the underlying Interac settlement happens sooner.
You can raise a dispute before approving a milestone, or after approval as long as the payout has not yet been sent.
While the dispute is open, the payout does not continue through the normal payment flow.
The documented scope, submitted work and on-platform messages are reviewed before a decision is made.
Yes, in specific situations. If the professional has not started that milestone, you may receive a full refund. If some of the work has already been completed, the amount can be reviewed and split between you and the professional.
Refunds are returned by Interac e-Transfer.
Any change to the scope, milestones or price needs to be documented on Permit.ca before the professional continues with the extra work.
Your Payments Hub gives you one place to manage payment details and review what you have funded across your projects.
If a milestone is too large for a single Interac transfer, Permit.ca automatically splits it into a few linked transfers to stay within per-transfer and daily sending limits.
You simply approve each linked transfer. There is nothing extra to set up.
Interac moves money directly through Canadian banking infrastructure.
You do not need to enter card information to fund a project milestone.
The payment flow gives Permit.ca a predictable settlement window for the fixed seven-day payout promise.
Interac is a familiar way for Canadian clients and professionals to send and receive project payments.
Your Payments Hub shows every milestone you have funded across your projects, including dates, payment status and downloadable invoices for your records.
No. Clients pay no platform fee. You only fund the milestone amount you agreed to.
No. Your payment is handled through Zūm Rails, the regulated financial technology provider behind Permit.ca payments.
It starts when you approve the completed milestone.
Yes, as long as the payout has not already been sent. Once a payout is sent, it cannot be pulled back.
Post your project and fund one milestone at a time, with your payment protected until you approve the work.
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