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About Paymi

What is Paymi?

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Paymi is a rewards program that focuses on putting cash back in consumers pockets when they make purchases, in-store and online, with Paymi partner brands. Getting paid has never been easier.

Who can join Paymi?

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Anyone can join Paymi! To receive cash back, simply link your credit and debit cards through online banking so Paymi knows when to reward you. Your cash back will be delivered to your Paymi account when you spend with your linked cards at brands offered on the platform!

Does it cost money to join?

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No! Paymi is free to join and happy to welcome more members to the community!

Can I receive money for referring someone else?

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Yes! Sharing is caring. You will receive $5.00 for every friend you refer to Paymi as soon as they make their first eligible purchase.

What does Paymi do with any data thats collected?

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Providing Paymi access to your debit and credit card transactions allows insight into consumer spending trends and allows brands to see performance of their promotions.

What's the benefit for brands and retailers to join Paymi?

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Leading brands choose to partner with Paymi because it offers them a unique opportunity to expand their reach and attract new customers. By joining our app, these brands gain exposure to a vast user base and the potential to boost customer spending. For instance, a $250 discount on an Apple Tablet might entice shoppers to consider adding AirPods to their purchase. Moreover, Paymi's emphasis on card linking not only streamlines the cashback process but also empowers us to gather valuable data about user preferences. This data allows us to tailor our offers to best serve our user community.

Connecting Your Credit & Debit Cards

What Banks/ Financial Institutions does Paymi support?

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Today, Paymi supports 17 large banks in Canada. 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 and Vancity. If you bank is not on this list, you may not be able to connect 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: help@paymi.com

Why do I need to connect my credit or debit cards to Paymi?

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It's simple, connect your cards Paymi knows when to reward you! Connecting your credit and debit cards through online banking allows Paymi to confirm when you make a purchase with a partner brand so you can receive cash back automatically! Our emphasis on card linking not only streamlines the cashback process, but also gives us information on user preferences, and helps us tailor offers for YOU.

How do I connect my debit and credit cards to Paymi?

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During the registration process you will be asked to login to your online banking portal using the same card number and password you would with your bank.When you connect your cards through online banking Paymi will automatically add cash back to all of the credit and debit cards attached to your account!

Are you a CIBC client? CIBC clients click here to begin the card linking process directly through CIBC Online® and Mobile Banking®.

Why do my cards unlink?

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If you see a prompt to re-verify your banking credentials, please do so to ensure that your cards are syncing properly for Paymi to award on eligible card-linked offers.

Here are some common reasons why unlinking happens:
1. When logging into your bank, it may ask you a security question. These will typically expire after a session, often when you exit the Paymi app. When sessions expire, this causes unlinking and prompts to relink.

2. Flinks or Yodlee needs to update their integration to support your bank.

3. There may be a prompt on the bank's website that you have to respond to, such as promotional advertisements.

4. Your cards have been replaced and are no longer up-to-date.

My Linked Card Keeps Unlinking - Multi-Factor Authentication Issue

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If you have successfully linked your card but it keeps unlinking every few minutes, it's usually due to an MFA issue. Multi-Factor Authentication (MFA), also known as Two-Factor Authentication, is implemented for account security.

Since our providers may not always support new security updates, here are some troubleshooting measures:
1. Removing the MFA setting from your bank account temporarily to link the account to Paymi.

2. Relinking your credentials periodically, as MFA security questions rotate and can cause unlinking.

3. Waiting until our providers build support for MFA, allowing you to link this account in the future.

What do I do if I do not remember my online banking username and password?

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In this case please contact your financial institution, they will be happy to help you reset your account credentials.

Are you a CIBC client? CIBC clients please click here to begin the password reset process.

Can I connect my cards from multiple financial institutions to Paymi?

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Absolutely! You are able to connect as many credit and debit cards to Paymi as you would like. Simply go to the Financial Accounts section of My Account and click Link New Account to add any new card.

Are you a CIBC Client? All of your eligible CIBC credit and debit cards will automatically be connected to your Paymi account.

How do I add cashback to both my credit and debit cards?

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When you connect your cards through online banking you are connecting all of the cards associated with that account. Are you a CIBC Client? All of your eligible CIBC credit and debit cards will automatically be connected to your Paymi account when you register.

I have a joint bank account. Will I receive money on each of the cards attached to my account?

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Yes! When you connect your cards through online banking you are connecting all of the cards associated with that account, including any sister cards.

Why Is My Bank Experiencing Connectivity Issues?

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We understand that connectivity issues can be frustrating. Here are some common reasons why it happens:

1. Ongoing Improvements to Your Bank's Online Banking Website: 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: 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 relink 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.

Can I connect my cards from multiple financial institutions to Paymi?

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Absolutely! You are able to connect as many credit and debit cards to Paymi as you would like. Simply go to the Financial Accounts section of My Account and click Link New Account to add any new card.

Are you a CIBC Client? All of your eligible CIBC credit and debit cards will automatically be connected to your Paymi account.

Common Card Linking Error Messages

"Invalid Credentials"

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Commonly occurs when:
• A space was entered after your card number or username.
• There are current connectivity delays with your bank.
• Your card has been replaced.
• The information you're entering doesn't match your current online banking credentials.
• Recent changes were made to your online banking login that are not supported by our service provider.

To resolve, if your card was replaced:
Fully remove your credential:
1. Profile > 'Connected Accounts' > 'Dropdown Arrow > ‘Unlink Account’'.
2. Add the credential back: Profile > 'Add Cards'.

"Try Connecting a Different Account"

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Commonly occurs when our API providers are experiencing a temporary network delay with your bank. Once the issue is resolved, you'll be able to link the account with no problems. You may try again in a few hours.

"Not Authorized for Online Use"

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Commonly occurs when there is a notice waiting for your response in your online banking portal. This could be security verification questions, dismissing new service agreements, or promotions. Once you clear these out, you should be able to link your card to Paymi!

"There is an issue." or Invalid"

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This is usually a result of prolonged inactivity. You will need to completely unlink and relink these credentials again.

Getting Paid

How do I deposit my cash balance from Paymi? Is there a fee?

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Simply go to your Wallet cashback history and click the 'Redeem Now' button next to your balance. Once you have a balance over $2.00 you’ll be able to send an Interac money transfer to yourself with your cash back. There is a $1.50 Interac fee if your money transfer is under $25. Paymi will cover the Interac fee for transfers over $25!

How can I receive my money?

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Great question! The more cards you connect to Paymi and the more you shop with our partners the more cash back you will collect!

Will I still receive store loyalty points?

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Yes! You will receive your money from Paymi on top of any cash back you receive through the same credit and debit cards. It's a win win.

Will I still receive cashback that my credit and debit cards provide me?

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Yes! You will receive your money from Paymi on top of any cash back you receive through the same credit and debit cards. It's a win win.

What happens if I return something that gave me cashback?

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Paymi will automatically remove the amount of cash back you originally received on the purchase you returned. If you only return a portion of your total purchase you will still receive cash back on the rest of the purchase you have not returned.

How long does it take to see cashback in my account?

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Cashback will appear in your account 5 to 7 days after the purchase date unless stated otherwise on the offer card. Some partners may not release cashback until the return window passes, in which case it could take up to 90 days for cash back to appear in your account. We encourage you to review the information icon on the offer card for full details before shopping.

What are the Card-Linked Offers vs click to Activate Offers?

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Card-linked offers are triggered when you shop with a connected card, when shopping in-store AND online shopping (where applicable). Cashback is then automatically generated. Click to activate offers are exclusive to online shopping and require you to shop through the "Shop Now" button on the offer card in order to receive cash back. Shopping through the offer card creates a shopping trip that allows us to deliver your cash back after you complete your purchase. Full details can be found on each offer card when you click the information icon.

Your Account

How can I update my email?

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You may update your email address by clicking on My Account and selecting Settings, then choosing the Email section of the page. Here you will be able to enter your new email address and current Paymi password to begin using your new email.

How can I update my password?

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You may update your password by clicking on My Account and selecting Settings. In the Password section of the page you will be able to create your new password. You will also be asked to re-enter your current password in order to create a new one.

Does Paymi have an app?

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Yes! Paymi does have an app, you can find it in the App Store and Play Store under Paymi.

Download Paymi on the App Store iconDownload Paymi on the Google Play Store icon

Can I access my Paymi account through the website, as well as the app?

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Yes! You are welcome to view your account by logging in at https://web.paymi.com.

How can I unsubscribe from emails?

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Option 1: You can also click the unsubscribe button at the bottom of any Paymi email you receive. You can also re-subscribe in this area if you change your mind.

Option 2:
You may unsubscribe from Paymi emails by clicking on Settings under My Account, then select the Notification section of the page. Here you will be able to unsubscribe from receiving emails from Paymi. You can always re-subscribe to Paymi’s emails on this page by simply clicking the box.

Security & Privacy

What personal information does Paymi ask from my during registration?

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To personalize your Paymi experience we ask that you confirm your name, gender, date of birth and email address.

Why does Paymi ask me to enter my online banking username and password?

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When you connect your credit and debit cards through online banking it allows Paymi to give you your cash back, automatically! Paymi never receives your online banking login credentials and is not able to deposit or withdraw money from your bank account, this is why you receive your money through Interac e-Transfer®.

What information does Paymi see from my linked account?

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Paymi receives read-only transaction-level data so that our system is able to recognize when you have made an eligible purchase so we can deliver your cashback.

Does Paymi receive my online banking login credentials?

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No. Paymi never receives your online banking login credentials and is not able to deposit or withdraw money from your bank account, this is why you receive your money from Paymi through Interac e-Transfer®.

Can Paymi take money out of my bank account?

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No. Paymi never receives your online banking login credentials and is not able to deposit or withdraw money from your bank account, this is why you receive your money from Paymi through Interac e-Transfer®.

Paymi & CIBC

Can I use Paymi with any CIBC bank account, credit, or prepaid card?

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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:

• 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: December 1, 2023

How is CIBC working with Paymi?

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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®.

READ MORE about our partnership ▸

Does Paymi only work with CIBC credit and debit cards?

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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.

I already have a cashback credit card with CIBC. Can I still use Paymi?

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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.

Let's Hear From Some of Our Members

Great app! I've been using the app for the past 4 years and have definitely seen the improvement in terms of cash back available and the amount of stores! My only wish is that there were more in store options with some of the online ones!

– sKolaski

Great offers! This app has amazing offers that are relevant to a lot of my purchases! I also love that I don't have to log into the app every time I make a purchase. Very efficient.

– Jenwriter

Constantly improving!!!! Paymi has come a long way since I originally downloaded it. I shop a lot at sporting stores, so I currently get a lot of value from their offers. I would love to see more grocery stores and restaurants on the app.

– BCOSTELLOE

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