# DREAM PAYMENTS

> Embedded payment solutions for insurers, financial institutions, and software platforms

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Toronto, Ontario, Canada |
| Founded | 2014 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Series A |

## Overview

Dream Payments is a Toronto-based fintech company that provides embedded payment solutions to banks, insurers, software platforms, and other enterprises. Founded in 2014 by Brent Ho-Young, Anant Tailor, and Long Van, the company initially operated in mobile point-of-sale technology before pivoting in 2018 to focus on B2B embedded payments.

The company launched DreamPay in October 2024, an API-first platform that enables rapid implementation of inbound and outbound payment features directly within customer workflows. Dream Payments serves 100+ financial institutions and insurance carriers globally, with a particular focus on insurance claims disbursement and premium collection.

The company is Bank of Canada Retail Payment Activities Act approved and has expanded its payment capabilities to include Real-Time Payments, ACH, Interac e-Transfer, and stablecoin pilot programs, positioning itself as a comprehensive embedded payments infrastructure provider for regulated industries.

## Products & services

### DreamPay API

Core REST API platform for implementing embedded payment features with test environments, real-time notifications, and sandbox testing. Enables inbound and outbound payment processing with comprehensive developer documentation.

**Key features:**

- REST API with sandbox and test environment
- Real\-time event notifications
- Inbound and outbound payment flows
- Support for Real\-Time Payments, ACH, Interac e\-Transfer

*Target users:* Engineering teams at financial institutions, insurers, and software platforms

### Online Payments

Embedded payment solutions integrated directly into business applications and websites. Enables customers to process payments without third-party redirects, keeping the transaction experience within the host platform.

**Key features:**

- White\-label payment capability
- No third\-party redirect required
- Integration into insurer and platform workflows

*Target users:* Carriers, brokers, and SaaS platforms

### Payouts

Fast payout services for delivering funds to businesses, contractors, and individuals, supporting multiple payout methods including virtual cards and real-time rails.

**Key features:**

- Multiple payout methods
- Real\-time and ACH payout rails
- Virtual card support

*Target users:* Insurance carriers processing claims disbursements

### Insurance Hub

Specialized insurance payment solution launched April 2025. Tailored embedded payment features for insurance-specific workflows including claims disbursement and premium collection.

**Key features:**

- Claims disbursement automation
- Premium collection processing
- Insurance\-specific compliance and reporting

*Target users:* Insurance carriers and MGAs

### Point of Sale

In-person payment capabilities for merchants with real-time transaction processing. Legacy product from pre-2018 operations, supporting existing merchant customers.

**Key features:**

- POS hardware and software integration
- Real\-time transaction processing

*Target users:* Merchants and financial institutions

## Category & focus

- Subcategories: Embedded Payments, Claims Disbursement, API Payments Platform
- Insurance verticals: P&C Personal, P&C Commercial, Life & Annuity
- Target customers: Carriers, MGAs/MGUs, Brokers

## Notable customers

- Wave \(partnership announced October 2025, live Canada Q4 2025, US expansion early 2026\)
- NU Blockchain Technologies \(stablecoin pilot partnership, late 2025\)

## Links

- Website: <https://www.dreampayments.com>
- Directory profile: <https://insurtechlist.com/companies/dream-payments/>
- Blog: <https://www.dreampayments.com/blog>
- Contact: <https://www.dreampayments.com/contact>
- About us: <https://www.dreampayments.com/about-us>
- Linkedin: <https://www.linkedin.com/company/dream-payments-corp->
- Products: <https://www.dreampayments.com/products>
- Twitter/x: <https://twitter.com/dreampayments>
- Developers: <https://www.dreampayments.com/developers>
- Security & compliance: <https://www.dreampayments.com/security-compliance>

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*Last updated: 2026\-05\-12*