Introducing the Dream Bill Pay Network: A Simple, Cost-Effective Way to Collect Payments

For years, online bill payments has been one of the most familiar and trusted ways for Canadians to move money. Today, Dream Payments is taking that convenience a step further, bringing the same, simple, bank-integrated experience to SaaS platforms, insurers, and enterprises.

Meet the Dream Bill Pay Network: A simple, cost-effective way to collect payments. Our new Pay-by-Bank payment rail that lets consumers and businesses pay bills and invoices directly through their existing online banking portals. No cards. No cheques. No added friction - just fast, secure payments that feel as easy as paying a utility bill.

Why We Built the Dream Bill Pay Network (BPN)

Traditional payment methods weren’t designed for modern, digital business models. Credit cards bring high fees and chargebacks. Cheques and wires create delays, manual work, and risk. For platforms that move money daily, from rent to insurance premiums to capital transactions, these inefficiencies limit growth.

The Dream Bill Pay Network replaces legacy rails with a direct, bank-based model. Businesses can accept payments through their customers’ existing online banking portals while reducing processing costs by up to 90% and eliminating chargebacks entirely.

A Network Already Powering Millions

Since launching in August, the Dream Bill Pay Network has scaled rapidly, processing over $200 million in annualized payment volume and supporting rent payments for more than 12,000 tenants across Canada.

Built in collaboration with Scotiabank, the Dream Bill Pay Network channels payments through Canada’s major financial institutions into a Scotiabank-provisioned trust account managed by Dream Payments. This ensures every transaction meets the highest standards of security, transparency, and regulatory compliance.

A Network Already Powering Millions

The Dream BPN is purpose-built for enterprises and SaaS platforms across Canada that want to simplify collections, stay compliant, and deliver better customer experiences:

• SaaS Platforms and Marketplaces – Embed compliant, automated payment collection into existing workflows - without handling financial credentials or operating regulated infrastructure.

• Insurers – Collect premium payments from policyholders securely, cost-effectively, and without manual intervention.

• Property Management Companies – Tenants can pay rent seamlessly through their banks, while funds are automatically reconciled to property management systems.

Case Study #2: Streamlining Capital Transactions

Building on this momentum, Dream is expanding the Bill Pay Network to power Mantle, a leading equity management platform.

Through this integration, Mantle’s business clients — private companies and share issuers — will receive funds directly from their stakeholders via Dream’s Pay-by-Bank capability. Stakeholders will simply log into their banking portal, search for the Mantle Payments biller, and complete their transaction using a secure Payment Identifier generated and managed by Mantle’s API integration with Dream.

Dream’s platform automates the collection, matching, and disbursement of funds to the issuer’s bank account, giving issuers full transparency and stakeholders a trusted, low-friction payment experience.

This integration replaces slow, manual, and costly wire transfers with automated, compliant, and traceable bank-based payments, a critical improvement for companies processing high-value equity and investment transactions.

Looking Ahead

The Dream Bill Pay Network is more than a new payment rail, it’s a foundation for the next generation of embedded payments. With expanding integrations across property, insurance, and fintech ecosystems, Dream is creating a world where platforms can move money securely, compliantly, and at scale, without ever touching funds directly.

The Dream Bill Pay Network is another building block in your journey towards frictionless payments.

Learn how your platform can embed Pay-by-Bank capabilities with Dream.

Talk to Our Team