Manna
You run your business.
Manna collects.
Pronounced like “Money”
Interac payment automation for Canadian small businesses — by GoldSky Technologies. Less chasing, less matching, less lost to card fees.
Stop matching payments by hand
Every Interac payment tied to the right sale or tenant.
Predictable low fees
Fixed amount per payment — not a percentage of rent or invoices.
Built for Canadian Interac
The way your customers already pay — now connected to your operations.
Sound familiar?
If you run a small business in Canada and take Interac, you have probably lived every one of these.
Who sent this e-Transfer?
Payments arrive without a clear link to an invoice or booking. You or your staff spend hours matching the bank feed.
Same work after every payment
Confirm the booking, send the receipt, update the spreadsheet, unlock the bay. It all falls on you.
Card fees on big payments hurt
On a $2,500 rent payment, percentage-based card fees can cost $65–$88 every month.
Growth breaks manual e-Transfer
Ten customers is fine. One hundred is not. You need payments that update your business automatically.
Made for businesses like yours
You do not need to be technical. You need payments that keep up with you.
Send monthly rent requests. See who paid without opening your bank app ten times.
Customer scans, pays, bay runs. Works with GoldSky payment hardware already in the field.
Court bookings and facility fees — paid online or at the desk, always matched.
Deposits and session fees — confirmed and receipted when the customer pays.
Send the invoice after the job; get paid by Interac without the back-and-forth.
If Interac is how you get paid, Manna removes the paperwork behind it.
Two ways to get paid
Pick the path that matches how your customers pay you. Many businesses use both.
Bill remotely
Rent, invoices, and online bookings
Send a payment request to your customer's email — or let them pay on your website without leaving the page. When they pay, Manna marks the order paid and sends a receipt. You don't chase or match bank statements.
- ✓Great for landlords, tutors, and service businesses
- ✓Bulk rent reminders to all tenants
- ✓Typically a few minutes for the customer to complete
Get paid on-site
Car washes, counters, unmanned retail
Customer scans a QR code at the bay or counter. Their banking app opens with the amount already filled in. Once payment clears, equipment can start automatically — no staff at the till.
- ✓Each QR is for one transaction only — no guessing who paid
- ✓Works with GoldSky Smart Payment Controller at the device
- ✓Often under a minute for the customer on-site
Want more detail?
Walk through each path step by step.
Send a payment request
You send the bill; your customer pays from email or your checkout page. Manna tracks who paid, sends receipts, and updates your records — no spreadsheet matching.
Email requests work great for monthly rent and follow-up invoices. Checkout on your website works best when the customer is ready to pay now. Both paths reconcile automatically once payment clears.
Already working in the field
GoldSky does not only sell software on slides. We deploy hardware and automation together.
Ottawa 6-bay self-serve car wash
Smart Payment Controller runs the bays today — VIP cards, multiple payment types, 24/7 unmanned. Manna adds Interac scan-to-pay and automatic matching on the same GoldSky stack.
Read the full story →Unmanned Retail · Smart Retail
Hardware + Software. One closed loop.
GoldSky connects what happens at the machine with what happens in the bank. On-site payment hardware from us, Interac automation from Manna, settlement through licensed partners — one story, proven in Ottawa.
On-site terminals, VIP cards, 4-LED indicators, equipment activation signals
Interac Request Money & dynamic QR, auto-reconciliation, webhooks to devices via MQTT
Interac, EFT, PAD, KYC/KYB, fund custody — Manna integrates at the software layer, never holds funds
How they work together — car wash example
- 1
Customer scans dynamic QR or taps VIP card at the bay
Smart Payment Controller
- 2
Manna sends Interac request or matches incoming e-Transfer
Manna
- 3
Licensed partner executes the Interac transaction
Payment infrastructure
- 4
Webhook confirms payment — bay activates, receipt sent, ledger updated
Manna → Controller
Why this matters for partners
GoldSky is not a pass-through API integrator. We own the device layer (proven in production) and the software automation layer (Manna). Licensed partners power fund movement at Layer 1 — we bring the merchants, the hardware deployments, and the reconciliation logic that turns Interac into unmanned retail.
Simple, honest pricing
A small monthly plan plus a fixed fee only when a payment succeeds. No percentage of your rent or invoices.
| How you pay today | Typical cost | On a $2,500 payment | Your effort |
|---|---|---|---|
| Credit / debit (typical) | 2.6%–3.5% | $65–$88 on $2,500 | Manual follow-up |
| Manual e-Transfer | $1–$1.50 | $1.50 | You reconcile |
| Manna + Interac | Fixed ~$0.50 | $0.50 | Auto-matched |
- ✓Bill remotely and get paid on-site
- ✓Automatic payment matching
- ✓Receipts and dashboard
- ✓Email support
- ✓Everything in Starter
- ✓Bulk billing (e.g. all tenants)
- ✓Multiple locations or accounts
- ✓Export for your accountant
- ✓Everything in Growth
- ✓Connect to your other software
- ✓Equipment automation (e.g. car wash bays)
- ✓Priority onboarding
30-day free trial · Pay only for successful payments · Cancel anytime
Partners & investors
Building the full loop — merchants, devices, and licensed payment rails — from Kanata, Ontario.
For investors
Software layer on a proven hardware footprint
- •Market: Canadian SMBs already use Interac e-Transfer — Manna automates what banks leave manual.
- •Traction: Smart Payment Controller deployed at a 6-bay Ottawa car wash (24/7 unmanned). Manna extends the same stack with Interac automation.
- •Model: SaaS subscription + fixed per-transaction fee. High-value rent and service payments favour flat pricing over card percentages.
- •Compliance: Manna is a technology service provider — it does not hold customer funds. Settlement runs through licensed payment partners.
For payment & platform partners
More than an API integration
GoldSky brings merchants, on-site hardware deployments, and reconciliation logic. Our licensed payment infrastructure partners provide Interac rails. Together that is a full unmanned-retail loop — not a white-label wrapper.
- ✓Live hardware: Smart Payment Controller (PayNestus)
- ✓Software: Manna — Request Money, dynamic QR, auto-reconciliation
- ✓Partner-agnostic infrastructure layer (Interac, EFT, PAD)
- ✓Canadian SMB pipeline: property, retail, sports, services
You run your business. Let Manna collect.
Tell us about your business, your volume, or a partnership idea. We reply within one business day at [email protected]