Sending money from Canada to Haiti: the payments stack
Sending CAD 200 from Canada to Haiti cost 5.78% of the amount on average in Q3 2025, across 13 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Haiti typically run over SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing; between now and the end of 2027 there are 10 weekdays when banks in Canada are closed but Haiti keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 5.78% of CAD 200 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 6.09% across 12 services |
| Banks | 2.1% across 1 services |
| Collect in Canada | Lynx, ACSS and USBE (EFT, pre-authorized debits, direct deposits), Interac e-Transfer for Business, Real-Time Rail (RTR) |
| Pay out in Haiti | SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing, Mobile wallets (FSP) |
What it costs to send CAD 200
The World Bank surveyed 13 services sending from Canada to Haiti from 8 August 2025 to 28 August 2025. The average total cost, fees plus the FX margin, was 5.78% of the amount sent; money transfer operators averaged 6.09% and banks 2.1%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: Canada
- Money services businesses operating in Canada, and foreign money services businesses that direct and provide services to clients in Canada, must register with FINTRAC before they begin to operate, even if they hold a provincial licence; FINTRAC charges no registration fee. source
- FINTRAC registration is valid for two years and must be renewed before expiry; changes such as a new representative for service in Canada must be reported within 30 days. source
- A foreign money services business must designate a representative for service who resides in Canada, and banks must confirm that a foreign money services business is registered with FINTRAC before opening an account for it. source
Licences, sponsor banks, collections, ramps and KYC providers: sending from Canada.
The payout side: Haiti
| Payout partner | What it does in Haiti | Source |
|---|---|---|
| MonCash | Mobile wallet whose Full (MonCash Plus) wallet holders receive international transfers from partners including Digicel International, Boss Money, Sendwave, Taptap Send, Sharemoney, C.A.M. and Shaka Express from North America, and CIBAO, Girofacil, Uno Money Transfer and More Money from Latin America. | source |
| NatTransfer (NatCash) | BRH-licensed money transfer company paying into NatCash wallets through a network of more than 30,000 NatCash agents, with a limit of 40,000 HTG per transaction on a standard account and higher limits after eKYC. | source |
| Sogexpress | Sogebank group subsidiary that sends and pays Western Union transfers at more than 500 Sogexpress points in Haiti. | source |
| CAM Transfer (Caribbean Airmail Inc.) | BRH-authorised maison de transfert based at the airport industrial park in Port-au-Prince. | source |
| Unitransfer S.A. | BRH-authorised maison de transfert based at the airport industrial park in Port-au-Prince. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Haiti: launching payments in Haiti.
Payout rails in Haiti
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| SPIH (Système de Paiement Interbancaire Haïtien) | Banque de la République d'Haïti | Real-time gross settlement system set up in 2007 for electronic transfers in gourdes or foreign currency between accounts at different participants; settlements are irrevocable and unconditional. | source |
| Electronic cheque clearing | Banque de la République d'Haïti | Electronic clearing and settlement introduced in 2013 cut cheque clearing times from five days to two. | source |
| Mobile wallets (FSP) | BRH-authorised electronic payment service providers | Wallet providers must hold BRH authorisation or non-objection as FSPs; the BRH list includes MonCash (Unigestion Holding) and NatCash (NATCOM). | source |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 10 dates when Canada is closed and Haiti is open, the payout balance has to already hold enough to cover them. On the 9 dates when Haiti is closed, instant rails may still pay out.
| Date | Canada | Haiti | What it means |
|---|---|---|---|
| Mon 2 Nov 2026 | Open | All Souls' Day (Fete des Morts) | Haiti banks closed: only always-on rails pay out |
| Wed 11 Nov 2026 | Remembrance Day | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
| Wed 18 Nov 2026 | Open | Battle of Vertieres Day | Haiti banks closed: only always-on rails pay out |
| Fri 25 Dec 2026 | Christmas Day | Christmas Day | Both closed |
| Mon 28 Dec 2026 | Boxing Day (observed) | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
| Fri 1 Jan 2027 | New Year's Day | Independence Day and New Year's Day | Both closed |
| Tue 9 Feb 2027 | Open | Mardi Gras (Carnival Tuesday) | Haiti banks closed: only always-on rails pay out |
| Fri 26 Mar 2027 | Good Friday | Good Friday | Both closed |
| Tue 18 May 2027 | Open | Flag Day | Haiti banks closed: only always-on rails pay out |
| Mon 24 May 2027 | Victoria Day | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
| Thu 27 May 2027 | Open | Corpus Christi (Fete-Dieu) | Haiti banks closed: only always-on rails pay out |
| Thu 1 Jul 2027 | Canada Day | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
| Mon 6 Sep 2027 | Labour Day | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
| Mon 20 Sep 2027 | Open | Dessalines Day | Haiti banks closed: only always-on rails pay out |
| Thu 30 Sep 2027 | National Day for Truth and Reconciliation | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
| Mon 11 Oct 2027 | Thanksgiving | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
| Mon 1 Nov 2027 | Open | All Saints' Day (La Toussaint) | Haiti banks closed: only always-on rails pay out |
| Tue 2 Nov 2027 | Open | All Souls' Day (Fete des Morts) | Haiti banks closed: only always-on rails pay out |
| Thu 11 Nov 2027 | Remembrance Day | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
| Thu 18 Nov 2027 | Open | Battle of Vertieres Day | Haiti banks closed: only always-on rails pay out |
| Mon 27 Dec 2027 | Christmas Day (observed) | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
| Tue 28 Dec 2027 | Boxing Day (observed) | Open | Prefund Haiti the day before: no funding from Canada, payouts continue |
Full calendars: Canada and Haiti. Size the buffer with the corridor runway calculator.
Funding the corridor
- Lynx and the ACSS run Monday to Friday except statutory holidays. Remaining 2026 closures are Remembrance Day (Wednesday 11 November), Christmas Day (Friday 25 December) and Boxing Day, observed on Monday 28 December, so CAD wires sent after Lynx closes on Thursday 24 December next settle on Tuesday 29 December. source
- Lynx regular payments run in Settlement Window 1 from 12:30 a.m. to 6:00 p.m. ET; the window from 6:00 p.m. to 7:00 p.m. ET is reserved for interbank lending and repaying Bank of Canada intraday loans. source
- Transfer operators abroad must remit the funds received from senders in US dollars to their authorised agents in Haiti (banks and maisons de transfert) or to their Haitian subsidiaries, so prefunding is in USD. source
- The BRH publishes the reference rate and the average acquisition rate daily; on 24 October 2026 they were 130.7080 and 131.4420 gourdes per dollar. source
- Banks and maisons de transfert reimburse their sub-agents for transfers paid 70% in gourdes and 30% in US dollars, and sub-agents must sell that 30% only to an authorised exchange intermediary. source
Running the corridor
Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in Canada, the payout partners and banks in Haiti and any stablecoin in between. It warns before the Haiti balance runs dry, holidays included. See how it works.
Frequently asked questions
How much does it cost to send money from Canada to Haiti?
The World Bank's survey put the average total cost of sending CAD 200 at 5.78% in Q3 2025, across 13 services. Money transfer operators averaged 6.09%.
Which rails pay out in Haiti?
Local payouts run over SPIH (Système de Paiement Interbancaire Haïtien), Electronic cheque clearing, Mobile wallets (FSP).
When do I need to prefund Haiti payouts ahead of holidays?
Between now and December 2027 there are 10 weekdays when Canada is closed and Haiti is open, the first on Wed 11 Nov 2026. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- System closure schedule (2026) · Payments Canada
- High-value payment system: Lynx · Payments Canada
- Jours feries · Banque de l'Union Haitienne
- Haiti: les 14 et 15 aout 2026 declares jours feries et chomes · Juno7
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator