coPay.ca is a payment processing service that aims to save users time and provide flexible payment control by allowing users to wait less for payments, split bills, and delegate payments more easily compared to other options. It benefits both clients by saving time and providing secure payments, and vendors by increasing customer flow, easily processing multiple currencies including digital ones, promoting through coPay.ca, and keeping clients happy. The overall goal is to make life easier through coPay.ca's payment services.