Paymi is a Canadian cashback rewards platform that uses card-linking technology to automatically reward you for your everyday purchases at over 70 retailers. Getting paid for your purchases has never been easier.
Anyone in Canada can join Paymi, and it's completely free!
No! Paymi is completely free to use.
Yes! You can receive $5.00 for every friend you refer to Paymi as soon as they make their first eligible purchase with a linked card. Share the referral code located in your Paymi wallet to get started.
Paymi's database analyzes read-only transaction data to provide valuable insights to merchant partners so they can use it to enhance customer engagement and loyalty.
Leading brands across the country partner with Paymi because it offers them a unique opportunity to gain access to a large, diverse Canadian user base that will help them expand their reach, attract new customers, and enhance loyalty. Paymi also provides valuable insights to merchant partners so they can use it to enhance customer engagement and loyalty.
Today, Paymi supports 17 Canadian financial institutions. They include:
• CIBC (our proud partner)
• Bank of Montreal
• American Express
• RBC
• Scotiabank
• TD Bank
• Meridian
• Tangerine
• Simplii Financial
• HSBC Bank
• Desjardins
• National Bank
• ATB Financial
• Laurentian Bank
• Canadian Tire Bank
• Coast Capital Savings
• Vancity.
If you don't see your bank on this list, you may not be able to link your credit or debit card to your Paymi account at this time. We are always striving to improve this list, so don't hesitate to contact our Help Desk with feedback of what banks you'd like to see supported.
Paymi uses auto-validation to identify when you've made a qualifying purchase at participating retailer with a linked card. This allows you to shop in-store or online with any of your debit or credit cards from 17 trusted Canadian banks to automatically earn cashback on your everyday purchases.
If you already have an account, you can link a card in your settings under "Linked Cards". Once you select a bank, you will be prompted to securely log into your online banking using your online banking credentials.
Are you a CIBC customer? CIBC customers click here to begin the card linking process directly through CIBC Online® and Mobile Banking®.
Re-linking may be necessary due to your bank's security protocols to keep your information safe. Check your account connection weekly in your account settings.
Here other common reasons why unlinking happens:
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1. When logging into your secure online banking, you may be asked a security question. These will typically expire after one session, often when you exit the Paymi app or browser. When sessions expire, this causes unlinking and prompts to relink.
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2. There may be a prompt on the bank's app or website that you have to respond to.
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3. Your cards have been replaced and are no longer up-to-date.
If you have successfully linked your card but it keeps unlinking every few minutes, it's usually due to a Multi-Factor Authentication (MFA) issue. Multi-Factor Authentication (MFA), also known as Two-Factor Authentication, is implemented by your bank to protect your information.
Here are some troubleshooting measures:
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1. Temporarily remove the Multi-Factor Authentication setting in your bank app while you link the account to Paymi.
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2. Relink your cards periodically, as Multi-Factor Authentication security questions rotate and can cause unlinking.
If you forget your online banking credentials, contact your financial institution to reset your username or password.
Yes! There is no limit to tye number of credit or debit cards you can link from multiple financial institutions. If you already have an account, you can link more cards in your settings under "Linked Cards".
Are you a CIBC customer? All of your eligible CIBC credit and debit cards will automatically be connected to your Paymi account.
When you link your cards through secure online banking, you are effectively linking all of the cards associated with that account.
Are you a CIBC customer? All of your eligible CIBC credit and debit cards will automatically be connected to your Paymi account when you register.
Yes! When you link your cards through secure online banking, you are effectively linking all of the cards associated with that account, including any sister cards.
Here are some common reasons why you may be having issues linking your cards:
1. Ongoing Improvements to Your Bank's Online Banking Website or App:Â This requires Flinks or Yodlee to build support for these new features. Improvements are usually resolved within a matter of days, but if the connectivity issues persist, there may be a larger issue at hand.
2. Changes to Your Bank's Internal Systems:Â Banks may undergo changes to their internal systems, which can temporarily block Flinks or Yodlee from syncing transactions.
3. Multi-Factor Authentication (MFA): If you're constantly being asked to re-link your card, it may be that your bank utilizes security questions as a form of MFA, which expires after a session. A session typically ends after exiting the app, prompting you to repeat the linking process.
Depending on the merchant, It can take anywhere from 3 to 90 days to see the cashback rewards in Paymi wallet.
Be sure to review the offer details to ensure your purchase qualifies for cashback.
Sometimes there are delays in our auto-validation system used to automatically issue cashback for a qualifying purchase. If its been more than 2 weeks and you haven't yet received your cashback for a card linked purchase, try unlinking then relinking your linked cards. Often this will resolve missing cashback on its own. If that doesn't resolve the issue, please reach out to our Help Desk with a photo or screenshot of your receipt and the purchase date.
Under settings you can access your Wallet and select the 'Redeem Now' button. If your balance is over $2.00, you’ll receive an Interac e-Transfer to your email in the amount of your cashback balance. If your cashback balance is under $25.00, a $1.50 Interac fee will apply.
Yes! You will receive your cashback from Paymi on top of any loyalty points you receive through the merchant.
Yes! You will receive your cashback from Paymi on top of any cashback you receive through your credit and debit cards.
Paymi will automatically remove the amount of cashback you originally received on the purchase you returned. If you only return a portion of your total purchase you will still receive cashback on the rest of the purchase you have not returned.
If your purchase meets the criteria, cashback will appear in your Paymi wallet within 7 to 10 business days after the purchase date, unless stated otherwise in the offer details. Some retailers may not release cashback until the return window passes, in which case it could take up to 90 days for cashback to appear in your Paymi wallet.
Be sure to review the offer details to ensure your purchase qualifies for cashback.
Card-linked offers are triggered when you shop at a participating retailer with a linked card (in-store or online). Paymi's auto-validation system uses read-only transaction data to identify when you've made a qualifying purchase at a participating retailer. Cashback is then automatically added to your Paymi wallet.
Click to activate offers are exclusive to online shopping and require you to shop through the "Activate Now" button on the offer details page in order to receive cashback. Selecting the "Activate Now" button creates a shopping trip that allows Paymi to reward you with cashback after you complete your purchase.
Be sure to review the offer details to ensure your purchase qualifies for cashback. Offer Terms & Conditions can be found on the offer details page of every offer when you select the "Offer Details" button on an offer card.
You may update your email address in your account Settings under Profile.
You may update your password in your account Settings under Profile.
Paymi does have a mobile application that you can access in the App Store and Play Store.
Yes! You can access your Paymi account in any web browser by logging in here.
Option 1: You can use the "unsubscribe" button at the bottom of any Paymi email you receive.
Option 2: You can unsubscribe from Paymi emails in your account Settings under Profile in the Notification section of the page.
To maximize your earnings and personalize your experience, Paymi will ask you to enter your name, gender, date of birth and postal code.
Paymi uses auto-validation to identify when you've made a qualifying purchase at participating retailer with a linked card. This allows you to shop in-store or online with any of your debit or credit cards from 17 trusted Canadian banks to automatically earn cashback on your everyday purchases.
Paymi receives read-only transaction-level data so that our auto-validation system can identify when you've made a qualifying purchase at participating retailer, and automatically reward you with cashback.
No. Paymi never has access to your online banking login credentials. Card linking is done directly through your bank.
No. Paymi does not have access to deposit or withdraw money from your bank account. This is why you receive your cashback from Paymi through an Interac e-Transfer®.
Paymi is trusted across Canada to connect to 17 Canadian financial institutions using 256-bit bank-level encryption to ensure your personal information is always safe. We're partnered with CIBC to uphold the highest security standards in safeguarding your information.
Yes. You can use Paymi with most CIBC chequing accounts, savings accounts, credit cards and prepaid reloadable gift cards. A few bank accounts and credit cards are excluded:
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• CIBC Bank USA Smart Account™
• CIBC US$ Personal Account
• CIBC U.S. Dollar Aventura® Gold Visa* Card
• CIBC Aventura® Visa* Card for Business
• CIBC Aeroplan® Visa* Business Card
• CIBC bizline® Visa* Card
• CIBC Aventura® Visa* Card for Business Plus
• CIBC Aeroplan® Visa* Business Plus Card
• CIBC Corporate Classic Plus Visa* Card
• CIBC Smart™ Prepaid Travel Visa* Card
• Prepaid non-reloadable gift cards
List last update:Â December 1, 2023
CIBC is partnered with Paymi to provide their clients with additional opportunities to earn cashback!
Are you a CIBC client? CIBC clients may click the link below, to begin the registration process. During registration you’ll be able to authenticate yourself with CIBC using the same card number and password used to sign on to CIBC Online® and Mobile Banking®.
Paymi works with debit and credit cards from other financial institutions. However, CIBC is exclusively working with Paymi for an easy and secure way to get cash back.
Yes. You still get your regular cash back with your CIBC credit card. Paymi gives additional cash back rewards when you make purchases with your linked cards.
