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Vancouver Office Head Office

800-609 Granville Street

Vancouver Office

625 Howe St., Suite 900

Toronto Office

56 Temperance St., Suite 801




Ryan Smith
[email protected]


"We wanted to make life easier for our customers and technology is one of the best ways we can keep up the pace of delivery. Agreement Express positions us as that innovative player in the market." - Oliver Harding-Fleet, Head of Semi-Integrated Payment S

Mission Statement

Our vision is faster, smarter, easier onboarding for all financial institutions. We believe technology should be agile to keep pace with the rapidly changing market, giving organizations the flexibility required to remain competitive.


The world’s most powerful onboarding automation for financial services, including payments, wealth management, and insurance.


When using Agreement Express to onboard, customers of financial institutions get an incredible first impression. While the system offers increased efficiency and cost savings on the back-end, the front-end offers a white-glove customer experience. This has proven to increase revenue with higher conversion rates, lower application abandonment, and more cost savings. The cloud-based SaaS platform iterates every two weeks to stay ahead of the curve and ensure compliance with new regulations.


The company was founded in 2001, originally under the name “Recombo, Inc.” It assumed the name Agreement Express in 2016 as it rapidly expanded its product capabilities and business worldwide.


Agreement Express is a cloud-based SaaS platform for financial services with specializations in Payments, Wealth Management, Banking, Insurance, and Lettings.


Mike Gardner is the CEO of Agreement Express. Since joining the company in 2005, Gardner has evolved the product into a solution trusted by Fortune 500 financial institutions globally. Gardner has over 20 years of experience in the software industry for financial services. Dedicated to actively bringing change to our society, he has contributed over a decade of work to the ALS Society of Canada and the ALS Society of British Columbia.