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Receiving Payments via Inbound Email

How It Works​

Paymely can receive payment confirmations directly from your bank by email. You configure a forwarding rule in your email client, and Paymely automatically extracts the payment details and attempts to match it to a customer.

Bank → Confirmation email → Your mailbox → Forwarded to Paymely → AI extracts + reconciles

Your Dedicated Receiving Address​

Each company in Paymely has a dedicated email address for receiving payments:

Format: {company-identifier}@pay.paymely.app

Where to find your address:

  1. Go to Settings → Payments
  2. The address is displayed (read-only)
  3. Copy it to configure your forwarding rule

Enable Email Reception​

  1. Go to Settings → Payments
  2. Enable the "Enable payment reception by email" toggle
  3. Save

Configure Automatic Forwarding from Your Bank​

Step 1 — Identify confirmation emails​

Your bank sends emails for each received Interac transfer. These emails typically come from addresses like:

  • interac@scotiabank.com
  • etransfers@td.com
  • noreply@interac.ca (varies by your financial institution)

Step 2 — Create a forwarding rule in your email client​

Gmail:

  1. Settings → See all settings → Filters and Blocked Addresses
  2. Create a new filter
  3. "From" field: enter your bank's address
  4. Select "Forward to" → add your @pay.paymely.app address
  5. Confirm the forwarding (Paymely will send a confirmation email to this address)

Outlook:

  1. Settings → Rules → Create a rule
  2. Condition: "Sender is" → bank address
  3. Action: Forward to → your @pay.paymely.app address

What the AI Extracts from the Email​

Paymely uses AI to analyze the email and extract:

  • Sender name (name of the customer who paid)
  • Sender email address
  • Amount of the transfer
  • Date of the transaction
  • Memo/message (if included in the transfer)
  • Reference number (if available)

Confidence Levels and Routing​

ConfidenceConditionAction
100%Email AND name match exactlyAuto-approved
80–99%Email matches, name slightly differentHuman review queue
< 80%Partial or no matchHuman review queue

See the article Understanding Payments and Reconciliation for full details.

Duplicate Protection​

Paymely creates a digital fingerprint of each received email. If the same email is forwarded twice (e.g., duplicate forwarding rule), it is automatically ignored.

Test Your Configuration​

  1. In Settings → Payments
  2. Click Send test
  3. A test email is sent to your receiving address
  4. Verify that the test appears in Payments → Review Queue within seconds

Troubleshooting​

Payment not appearing in the review queue?

  1. Verify that the forwarding was done (check "Sent" in your email client)
  2. Verify that the toggle is enabled in Settings → Payments
  3. Wait 1-2 minutes (asynchronous processing)

Customer not recognized?

  • Verify that the email address in the customer profile exactly matches the sender's email address on the transfer
  • Check name spelling — the AI does approximate matching but significant differences (e.g., "Jean" vs "John") may reduce confidence