Interac - FAQs

Interac Debit

INTERAC Debit is the leading payment choice, particularly for small purchases

When Canadian consumers reach for a payment card in their wallets, 56 per cent* of the time they choose Interac Debit.  That’s compared against all credit card brands combined.

Consumers across the country have made Interac Canada’s leading payment brand and a home-grown success story and part of our lives for nearly 20 years.  From the quick grocery store stops on the way home from work to filling up the gas tank on the way to the local hockey rink and a quick coffee run on route,  Interac Debit helps you make those everyday purchases securely, with ease and confidence, using your own money straight from your bank account.  Now, we’re even making it faster and more convenient with Interac Flash, the contactless enhancement of Interac Debit.

What does using INTERAC Debit mean to you?

Interac Debit and Interac Flash help you  take control of your finances and can help you avoid overspending. It’s like using cash, only more secure, as the money is exchanged electronically between your bank and the merchant.

Interac Debit and Interac Flash transactions occur  online (versus offline) and in real time so you can always keep track of your spending – all transactions must be card-present and approved by your financial institution (versus by the terminal and then sent to your financial institution for account posting) and appear instantly on your personal banking account records, allowing you to monitor your account balance to see exactly how much money you have available.

We know that security is important to you. Chip-enabled Interac Debit and Interac Flash cards are extremely secure and are protected from fraud tactics such as skimming, duplicating and electronic pick-pocketing.  Given the possible available data is payment transaction codes, not account-related details, and transactions are online and in real-time, no information can be captured by criminals to conduct fraudulent transactions or create identity theft.  You are also protected under Interac’s Zero Liability policy. 

If you would like a little more proof about our commitment to security, just look at how successful we’ve been in tackling Interac debit card fraud  - it’s plummeted by 70 per cent in the last two years to the lowest point since first recorded.  And, we’re not done yet.

How does choosing INTERAC Debit benefit merchants in communities across the country?

Interac Debit is one of the lowest cost payment acceptance methods for Canadian merchants.  At pennies per transaction regardless of the size of your bill, you can help out your local merchants when you pay with Interac Debit.  Credit cards can result in higher costs as many have multiple fees and are percentage based, from 1.5 per cent to 5 per cent, of the total amount you are spending. It adds up and hits merchants’ bottom line, particularly small independent merchants, where every penny counts.

Interac Flash

How do I know which of my accounts will be debited?

Your purchases will be debited from the saving or chequing account associated with your Interac debit card.

Can the information on my card be stolen, even if the card is in a purse or wallet?

The security built into the chip within your card protects you against this type of fraudulent activity. The chip uses processing power and cryptography that protect your card from skimming and counterfeiting.

How do I track purchases made using INTERAC Flash? Will I be able to get receipts?

Each transaction will be itemized on your bank statement with the rest of your Interac Debit transactions. Upon request, a merchant can provide a receipt for a purchase made with Interac Flash, just as they do with regular Interac Debit transactions.

What protections are in place in the instance of fraud?

You are protected under the Interac Zero Liability Policy from any losses due to unauthorized transactions. If your card is lost or stolen, contact your financial institution immediately.

Are there fees for using INTERAC Flash?

Interac Association does not charge fees directly to cardholders. Fees, if any, are set by the financial institutions who issue your debit card.

Interac e-Transfer

General

What is an INTERAC e-Transfer?

An Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada from within the security of your online banking service. It uses email or text messaging for fast notification to the recipient that a transfer has been sent, while the participating financial institutions transfer the funds using established and secure banking procedures.

To send an Interac e-Transfer, all you need is an email address, online access to your bank account at a participating financial institution and the email address or mobile phone number of the person that you are sending money to. Email and/or text messages carry the notification while the financial institutions use existing payment networks to transfer the money to any financial institution in Canada.

If your financial institution does not yet offer the service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. This option is available when you click the link in the notice you get when receiving an Interac e-Transfer. If you cannot click on the link, either cut and paste or type the link into your browser. You will be required to register and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

If I pay with INTERAC e-Transfer, is it the same as paying by Interac Debit or Interac Online?

No. While it is possible to pay for things using any of these Interac branded services, Interac e-Transfer is different because it is a way to electronically transfer money directly from one party to another. As such, the service has some of the advantages and disadvantages of paying with cash.

Once a transfer has been deposited, it cannot be cancelled or reversed.

Like using cash, you should send money transfers only to parties you know and trust. For most uses of the Interac e-Transfer service (sending money to family and friends, repaying IOUs, sending monetary gifts, etc.), you know the recipient well. For uses where you may not know the receiver well (e.g., online auction purchases), take the precautions you would take when making cash purchases. For auctions and online purchases, be sure to read and follow steps as recommended by operators of these websites to protect your money.

I received a text message from INTERAC, but did not opt in to this service. How do I stop receiving INTERAC text messages?

The text message was sent because someone chose to send you an Interac e-Transfer and notify you via text message. We recommend you let this person know you do not want to receive these messages. The sender can use your email address instead to send you a transfer.

To permanently stop all text message notifications from Interac e-Transfer, reply to an Interac e-Transfer text message with the message STOP (or text STOP to 100001). Once stopped, text message notifications cannot be reinstated.

Standard text messaging charges apply.

Will other financial institutions offer Interac e-Transfers in the future?

Yes. Canadian financial institutions know that people want to send money quickly and easily. Watch for upcoming announcements or contact your financial institution to find out when they will be offering Interac e-Transfers.

Can I respond to an INTERAC e-Transfer text message?

Yes, two responses (in both English and French) are accepted by the service and Interac will reply to these messages. Remember that text messages are limited to very few characters and therefore do not contain detailed information.

HELP

A HELP reply to short code 100001 will provide you with the address of this website, and instructions to type the link received in your notification into any browser.

STOP

To permanently stop all text message notifications from Interac e-Transfer, reply to any of the texts with the message STOP (or text STOP to 100001). Once stopped, text message notifications cannot be re-started.

Standard text messaging charges apply.

Can I send an Interac e-Transfer through this site?

No. The only way you can send an Interac e-Transfer is within the security of your online banking service at a participating financial institution. This way, the financial institution can identify you and process the transfer instantly. If you do not have access to online banking, contact your financial institution or visit their online banking website to sign up.

Can I send an Interac e-Transfer to a mobile phone number?

Yes. An Interac e-Transfer notification can be sent to a Canadian mobile phone number.

What happens if I send an Interac e-Transfer to a landline?

If you also provided an email address, the recipient will be notified by email. Otherwise, you may be informed that the transfer notification could not be delivered and will be directed to either reclaim your transfer or correct the contact information of your recipient.

I tried sending an Interac e-Transfer notification to a mobile phone number, but received an email and/or text message saying it did not go through. Why?

Always check to make sure you have entered the correct mobile phone number each time you wish to send an Interac e-Transfer. A notification may not be delivered to the recipient if the:

  • Phone number entered is a land line
  • Phone number entered is a non-Canadian mobile phone number
  • Recipient has blocked Interac e-Transfer notifications being sent to his/her mobile phone number
  • Recipient is encountering technical issues with their mobile phone and therefore the message cannot be delivered for technical reasons (e.g. phone is off, mobile network unavailable)
  • Mobile Network Operator does not support all text messages

What is INTERAC e-Transfer?

Interac e-Transfer is one of the fastest and safest ways to send, request and receive money digitally to and from anyone in Canada within the security of your online banking or mobile banking application. Email or text messaging is used to notify the recipient that money has been sent or requested, while the participating financial institutions transfer the funds using established and secure banking procedures.

Where can I use INTERAC e-Transfer?

Interac e-Transfer is available at over 255 Financial Institutions within Canada. You can access it through your bank's online banking or mobile banking application.

What is Send Money?

Send Money is a feature within the Interac e-Transfer service where money can be sent to anyone in Canada within the security of your online banking or a mobile banking application. When money is sent, the recipient will receive a notification via email or text message that someone is sending them money. The recipient will then be required to log into their online or mobile banking application to deposit the funds.

What is Request Money?

Request Money is a feature within the Interac e-Transfer service where money can be requested from anyone in Canada within the security of your online banking or mobile banking application. Money can be requested using an email or text messaging. When the request is fulfilled, the requestor is provided with a notification once the funds are available in their account. Click here for a list of participating financial institutions and to learn more about the Request Money Feature. 

What is Autodeposit?

Autodeposit is a feature within the Interac e-Transfer service where users can register an identifier, such as their email address, to have funds deposited directly into their bank account, without having to answer a security question. Click here for a list of participating financial institutions and to learn more about the Autodeposit feature.

Sending

Which banks are INTERAC e-Transfer participants?

To view the full list of Interac e-Transfer participating financial institutions, click here.

How much does it cost to send an INTERAC e-Transfer?

There may be a fee from your financial institution for using the Interac e-Transfer service. Please check with your financial institution directly.

Are there limits on the amount I can send?

Like most other financial transactions, there are limits on the amount you can send. Each Financial Institution sets send limits through online banking. Please contact your financial institution for more details.

I have a business. Can I send an INTERAC e-Transfer?

Some participating financial institutions offer the Interac e-Transfer service to their small business online banking customers. Please check with your financial institution to find out more.  

How secure is it to send money by email or text message?

You are not sending money by email or text message; only the notification travels over the Internet or over the air to advise the recipient that the transfer has been initiated and to provide instructions on how to deposit the money. The money always resides safely at a financial institution, and is transferred through existing payment networks that financial institutions have used for years to settle cheques, bank machine deposits and withdrawals.
Security measures have been built into the system, including:

  • Encryption technology
  • Confidential user IDs and passwords issued by financial institutions
  • Secure login process
  • A security question and answer to ensure only the intended recipient receives the money
  • 128-bit browser encryption

How do I cancel an Interac e-Transfer?

To cancel an Interac e-Transfer that you have sent, you must log back in to your financial institutions online banking page. From there you can review your transaction or payment history to select the Interac e-Transfer you wish, and use the cancel option provided. This process will vary by participating financial institution and cancellation fees may occur. Contact your financial institution directly for more information.

How do I send an Interac e-Transfer?

Exact instructions will vary by participating financial institution. Once you are logged in to your online bank account, navigate to the section for Interac e-Transfer and simply follow their instructions to add a recipient and start sending money.

How much does it cost to send and request money using Interac e-Transfer?

There may be a fee from your financial institution for using the Interac e-Transfer service. Please contact your Financial Institution directly.

What is the security question and answer for?

The security question and answer is the shared secret between the sender and recipient of the Interac e-transfer. It is one of the methods for validating the recipient of the money transferred using Interac e-Transfer.

What are the limits for sending an Interac e-Transfer transaction?

Limits for sending an Interac e-Transfer transaction vary by transaction and financial institution. Please contact your financial institution directly.

How will I know when my contact / recipient has received the Interac e-Transfer transaction?

The sender will receive a notification once the contact / recipient has deposited the funds into their bank account.

What happens if I send the Interac e-Transfer to the wrong email address / mobile number?

If you have sent an Interac e-Transfer to the wrong email address or mobile number and the funds have not yet been deposited into a bank account, you can log back into your online banking or mobile banking application and edit the email address or mobile number to the correct one. Alternatively, you can cancel the transaction. Please note that there may be a fee from your financial institution to cancel the transaction. Please contact your financial institution for details.

How do I cancel an Interac e-Transfer transaction? Is there an additional fee?

Exact instructions will vary by participating financial institution. To cancel an Interac e-Transfer transaction, log into your bank's online banking / mobile banking application and go to the transaction history section under Interac e-Transfer. An Interac e-Transfer can only be cancelled if the funds haven't already been deposited. Please note that there may be a fee from your financial institution to cancel the transaction. Please contact your financial institution for details.

How quickly is the Interac e-Transfer transaction sent?

Interac e-Transfer transactions are sent in near real-time to within 30 minutes, depending on your financial institution.

Who do I contact for issues with sending money through Interac e-Transfer?

Please contact your financial institution directly for issues sending money using Interac e-Transfer.

Receiving

How do I deposit an INTERAC e-Transfer?

When someone sends you an Interac e-Transfer, you will receive a notification via email or text message indicating a transfer has been sent to you. The notification includes information about the transfer including:

  • Sender's name
  • Transfer amount
  • The notification also includes a link to deposit your transfer to your bank account.

The fastest way to get your funds is through your financial institution's online or mobile banking service. Simply click the link in the notification, select your financial institution, login to online or mobile banking and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser.

If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Interac and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

See our Interac e-Transfer demo

Do I need to bank online?

To deposit a transfer, you can either use online banking or register with your account number on our secure website. The fastest way to deposit an Interac e-Transfer is through online banking at a participating financial institution.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. This option is available when you click the link in the notice you get when receiving an Interac e-Transfer. If you cannot click on the link, either cut and paste or type the link into your browser. You will be required to register and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Can I deposit an INTERAC e-Transfer into a bank account in another country?

Currently the Interac e-Transfer service is only available to those who bank at a Canadian financial institution and have a Canadian currency account. You will not be able to deposit your Interac e-Transfer to a foreign bank account. If you have received an Interac e-Transfer and you do not have a Canadian bank account, ask your sender to cancel the transfer. Once the transfer is cancelled, the funds will be returned to the sender's account. If you are unable to contact your sender, the transfer will expire in approximately 30 days. Once the transfer expires, the sender will receive a notification to reclaim the funds.

Can I deposit an INTERAC e-Transfer on my mobile device?

Yes. Click on the link in the notification message from any web-enabled handset and you will be taken to the mobile gateway page where you can select your financial institution and proceed to deposit your transfer. You can also type the link into any Internet browser and deposit your transfer on any computer.

Does Interac send INTERAC e-Transfer notifications via email and/or text messages?

Yes. Anyone using a web-enabled mobile device can use the link provided in the notification message, login to online or mobile banking, and deposit a transfer. If your mobile device is not web-enabled, or you'd prefer not to deposit your transfer on your mobile device, type the link provided into your browser on your computer to deposit your transfer.

How much does it cost to receive an INTERAC e-Transfer?

There may be a fee from your financial institution for using the Interac e-Transfer service. Please check with your financial institution directly to determine what fees, if any, they may charge for receiving.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still receive transfers to any Canadian bank account. You will need to register and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Standard text messaging charges apply.

I received a text message notification from 100001. What does this mean?

100001 is the short code address from which all text Interac e-Transfer notifications originate.

Short codes (also known as short numbers) are special telephone numbers, significantly shorter than full telephone numbers that can be used to address text messages to or from mobile phones. Short codes are designed to be easier to read and remember than normal telephone numbers. Like telephone numbers, short codes are unique to each operator at the technological level.

Standard text messaging charges apply.

I received a text message notification for an INTERAC e-Transfer. I don't want to pay data charges on my mobile phone and/or I cannot access the web. What should I do?

If your mobile phone is not web-enabled, or if you would prefer not to deposit your transfer using your mobile phone, type the link provided into your browser on any computer and follow the instructions to pick up your transfer. Anyone using a web-enabled mobile device can use the link provided in the notification message, login to online or mobile banking and deposit a transfer.

How long will it take to receive the money in my bank account?

Once the notification arrives, you have almost instant access to the money, provided you bank online with one of the participating financial institutions. Click the link that appears in the notification to login to your online banking website and you will be able to access your funds. If you cannot click on the link, cut and paste or type your link into your browser.

If you do not wish to sign up for online banking, or you bank with a financial institution that does not yet offer Interac e-Transfers, you can still receive transfers to any Canadian personal bank account. You will be required to register with Interac by providing your bank account information in order for the money to be deposited into your bank account. A transfer collected this way usually takes 4 - 6 business days to process.

Depending on where you bank, the deposit could take several additional days due to factors such as holiday schedules or manual processing. Smaller, regional financial institutions often take longer to process these transfers.

Also, if you enter any financial information that cannot be verified it can take up to 10 days before your financial institution returns the funds as undeliverable. In this case, we will contact you by email and ask you to correct your account information.

I have a business. Can I receive an INTERAC e-Transfer?

Some participating financial institutions offer the Interac e-Transfer service to their small business online banking customers. Please check with your financial institution to find out more.

How do I decline an incoming Interac e-Transfer?

Please note that this experience will vary by participating financial institution. If your financial institution does not provide you an option to decline the transaction, you can ignore the notifications until the transaction expires (30 days). Upon expiration, funds that are sent will be automatically redeposited into the senders account.

You can decline an incoming Interac e-Transfer by following these steps:

  • Click the link found inside the email or text notification to deposit the funds
  • Select your financial institution to deposit the funds to
  • Login to your financial institution’s mobile /online banking portal
  • Answer the security question
  • Select “decline”
  • You will also have the option to provide a message back to the sender, upon declining

Contact your financial institution directly for more information.

How will I know when someone sends me money?

When someone sends you money using Interac e-Transfer, you will receive a notification through the identifier specified by the sender. Common methods to receive these notifications are email or text messages.

How do I deposit the money received via Interac e-Transfer transaction?

You can deposit the money received via Interac e-Transfer by following the steps within a notification, selecting your financial institution, logging into your online banking or mobile banking application, answering the security question and selecting the bank account to deposit the funds into.

What do I do if I don't know the answer to the Security Question, or I use the wrong answer multiple times?

If you don't know the answer to the security question, contact the sender. If you answer the security question incorrectly more than three times, the transaction will automatically cancel.

How do I reject an Interac e-Transfer transaction if I don't want it?

You can decline the Interac e-Transfer transaction by answering the security question and then declining within your online banking or mobile banking application.

What if my contact sends me the wrong amount?

If your contact sent you the wrong amount, please reach out to them directly. Alternatively, you can answer the security question and decline the transaction with a message that would be sent back to the sender.

How do I know that the Interac e-Transfer notification I received is real?

Always be careful prior to clicking on any links within a notification. Only action on email notifications when you were expecting someone to send you money. If you suspect a notification may be fraudulent, forward the notification to phishing@interac.ca.

What if I receive money using Interac e-Transfer from someone I don't know?

Always be careful prior to clicking on any links within a notification. Only action on email notifications when you were expecting someone to send you money. If you receive a notification you weren't expecting, and you suspect it may be fraudulent, do not click on any links and forward the notification to phishing@interac.ca.

How do I deposit money received from Interac e-Transfer?

When someone sends you money using Interac e-Transfer, you will receive a notification via email or text message indicating money has been sent to you. The notification includes information about the transfer including:

    • Sender's name
    • Transaction amount
    • Link to deposit your money to your bank account

Simply click the link in the notification, select your financial institution, login to your online or mobile banking account and deposit the money into the account of your choice. If you cannot click on the link, either cut and paste or type the link into your browser. For a more efficient way to receive money, you can enable the Autodeposit feature. You can learn more about Autodeposit here. If you don't have access to online or mobile banking, contact your financial institution or visit their online banking website to sign up.

If your financial institution does not yet offer the Interac e-Transfer service, or if you don't bank online, you can still deposit transfers to any Canadian bank account. You will be required to register with Acxsys Corporation and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

How long will it take to receive the money in my bank account?

Once the Interac e-Transfer notification arrives, you have almost instant access to the money, provided you bank online with one of the participating financial institutions. Click the link that appears in the notification to login to your online banking or mobile banking application, answer the security question, select the account to deposit the funds and you will be able to access your money immediately. If you cannot click on the link, cut and paste or type your link into your browser. For a more efficient way to receive money, you can enable the Autodeposit feature. You can learn more about Autodeposit here.

If you do not wish to sign up for online banking, or you bank with a financial institution that does not yet offer Interac e-Transfer, you can still receive transfers to any Canadian personal bank account. You will be required to register with us by providing your bank account information in order for the money to be deposited into your bank account. A transfer collected this way usually takes 4 - 6 business days to process.

If you decide to deposit the money by registering with us, depending on where you bank, the deposit could take several additional days due to factors such as holiday schedules or manual processing. Smaller, regional financial institutions often take longer to process these transactions. Also, if you enter any financial information that cannot be verified it can take up to 10 days before your financial institution returns the funds as undeliverable. In this case, we will contact you by email and ask you to correct your account information.

My bank doesn't offer Interac e-Transfer, how do I deposit the money?

If your financial institution does not yet offer the service, or if you don't bank online, you can still deposit an Interac e-Transfer transaction to any Canadian bank account. This option is available when you click the link in the notification you get when receiving an Interac e-Transfer. If you cannot click on the link, either cut and paste or type the link into your browser. You will be required to register and provide your banking information in order for the money to be deposited into your bank account. The deposit usually takes 4 - 6 business days to process and a $4.00 fee will be deducted from the deposit amount.

Security

I have been offered a job as an e-Transfer agent. Does INTERAC work with e-Transfer businesses?

No. Interac does not hire transfer agents. There have been instances of employment recruitment scams in which Canadian job hunters are hired as agents for "foreign companies". In fact, the job hunters may actually end up being used as "mules" to transfer stolen funds outside of Canada. Anyone who participates, even unknowingly, could be deemed an accomplice to a crime and may be prosecuted. We urge you to fully investigate any such job offers.

How do some of these e-Transfer business scams work?

In the typical scenario, the "employer", very often a foreign-based company, poses as a legitimate company looking on job recruitment websites for an agent to represent the company in Canada. The job is to accept payments from Canadian customers on behalf of the foreign company, and then transfer a portion of the proceeds offshore. The employer indicates that a key qualification for the position is that employees must be online banking customers, able to receive funds electronically, using Interac e-Transfer.

Once the employee receives the funds in his/her account, he/she is given instructions to transfer the money via a funds wire transfer service to a foreign address. As compensation, the employee or "transfer agent" is paid a percentage of the funds received and transferred. This is often a front for an illegal operation and the unwitting employee may be prosecuted for his or her part in this scheme.

How can I tell if this job offer is part of a scam operation? The information I am receiving looks very professional.

In order to appear authentic, fraudsters may present employment agreements, websites and other types of information, for example, a detailed contract, outline of employee job responsibilities, compensation, etc. While, these websites and employment agreements may present an appearance of legitimacy, spelling errors or the use of odd wording may be a sign that the operation is not a legitimate one.

Tips to Protect Yourself

Offers of easy money are often too good to be true. A web-based job that requires you to move funds outside Canada could be a front for an illegal operation. While the opportunity may look appealing, you may end up being subject to criminal prosecution for your role in the operation.

Check any employment-related information for unusual phrasing and look for misspelled words. If you are suspicious, check with local law enforcement.

Stay aware by checking the following sources of information about fraud:

www.phonebusters.com
www.rcmp-grc.gc.ca
www.recol.ca (Reporting Economic Crime Online)
www.fcac.gc.ca (Financial Consumer Agency of Canada)
www.strategis.gc.ca (Industry Canada)

What is email Fraud, Phishing or Spearphishing, SEO poisoning, Twitter, Web surfing, Mobile Apps, SMS phishing?

Phishing is a scam where fraudsters attempt to acquire personal and/or financial information, such as passwords, card numbers, etc., by masquerading as a trustworthy person or business through electronic communications. Phishing is typically carried out using email or an instant message, although phone contact has been used as well.

In some instances, the fraudster sends authentic-looking emails or text messages (smishing) that appear to come from legitimate companies, requesting recipients to disclose personal and/or financial information that is later used to commit fraud.

Be suspicious if you receive a notice for an Interac e-Transfer that you were not expecting. If in doubt, contact the sender to ensure he or she has initiated your transfer.

How secure is Interac e-Transfer?

Interac e-Transfer is one of the safest digital money transfer services in the world. When you send money using Interac e-Transfer, the money is transferred using established and secure banking procedures that financial institutions have used for years to settle cheques, bank machine deposits and withdrawals. Money never travels by email or text - these are simply used to notify you that money was sent or requested, as well as provide instructions to deposit.

Autodeposit

What is Autodeposit?

Autodeposit is a feature within the Interac e-Transfer service that enables users to save time when depositing money into their bank account. When enabled, funds will go directly into a recipient's bank account that is associated with the email address or phone number a sender is transferring money to. The recipient won't need to answer a security question to deposit the funds. Click here to learn more about the Autodeposit feature. 

Is Autodeposit secure?

Yes, the Autodeposit feature of Interac e-Transfer has the same bank-grade security as is standard with the Interac e-Transfer service. Interac e-Transfer is one of the safest digital money transfer services in the world. When you send or request money using Interac e-Transfer, the money is transferred through the established and secure banking procedures that tinancial institutions have used for years to settle cheques, bank machine deposits and withdrawals. Money never travels by email or text - these are simply used to notify you that money was sent or requested, as well as provide instructions to deposit.

How do I register for the Autodeposit feature?

The availability of the Autodeposit feature, along with the experience to register, will vary by financial institution. To access the feature, log into your online or mobile banking application, go to your profile settings for Interac e-Transfer, add an identifier (email address or text) you want associated with the Autodeposit feature and the bank account you want funds to be automatically deposited to. You will receive a notification asking you to verify the Autodeposit registration. Once enabled, when someone sends you funds to the identifier associated with Autodeposit, the money will be deposited directly into your bank account without the need for you to answer a security question. Some financial institutions might also allow for registration of the Autodeposit feature while conducting other Interac e-Transfer transactions. Check with your participating financial institution for further details.

I don't see the ability to register for the Autodeposit feature with my bank. What can I do?

Some financial institutions might not have the availability to enable the Autodeposit feature. Check with your participating financial institution for further details.

I am not receiving the Autodeposit registration verification email. What do I do?

If you have not received the Autodeposit verification email, first check your junk email folder. If you still can't find the notification, you will have to re-register for the feature through your participating financial institution's online banking or mobile banking application.

I have confirmed my Autodeposit registration but it is still not active. What do I do?

There might be temporary issues in activating your Autodeposit registration. Once it is activated, we will notify you. Check with your participating financial institution for further details.

Once I register for the Autodeposit feature, how will I know when someone sends me money?

Each time you receive funds through the Autodeposit feature, a notification will be sent to you by email or text message letting you know that money has been deposited into your bank account.

How many email addresses can I register for the Autodeposit feature?

You can register multiple email addresses, per account, for the Autodeposit feature. However, once an email is registered for the feature, it can't be used again with another account. The exact number of email addresses that can be registered for the Autodeposit feature, per account, depends on each financial institution. Check with your participating financial institution for further details.

How will I tell the sender to use the Autodeposit feature?

You don't have to tell the sender to use the Autodeposit feature. If the sender's participating financial institution is enabled to send to a contact / recipient who is registered for the Autodeposit feature, they will automatically be able to send money to you through the Autodeposit feature.

How can I change the email address for my Autodeposit registration?

To update the email address for an Autodeposit registration, simply go back into your financial institution's Interac e-Transfer settings within your online or mobile banking application to edit the email address. Exact experience will vary by financial institution. Check with your participating financial institution for further details.

How do I deactivate my Autodeposit registration?

To deactivate an Autodeposit registration, simply go back into your financial institution's Interac e-Transfer settings within your online or mobile banking application and deactivate the Autodeposit feature. Exact experience will vary by financial institution. Check with your participating financial institution for further details.

Is the Autodeposit registration permanent?

Autodeposit registrations are permanent as long as the registration is active. Autodeposit registrations might require periodic re-validations due to inactivity. Click here to learn how to deactivate your registration.

Can emails be the only identifier registered for the Autodeposit feature?

Some Financial Institutions might provide the ability to register mobile numbers, along with email addresses, for the Autodeposit feature. Check with your participating financial institution for further details.

I have closed my bank account that had a registration for the Autodeposit feature. Will I keep receiving money?

No, you will not. We work with your participating financial institution to ensure that if an account is closed, the Autodeposit registration is deactivated and no more funds will be deposited.

I am trying to register for the Autodeposit feature but it says that my email or mobile phone number is not available to be registered. What does this mean?

If you are unable to register for Autodeposit with an email address or mobile number, it may be active with an existing Autodeposit registration. If you didn't previously register your email address or mobile number for the Autodeposit feature, please contact your financial institution immediately to investigate.

I am trying to register my email or mobile phone number for Autodeposit at multiple Financial Institutions but it won't let me. Why?

The Autodeposit feature enables registration of multiple email addresses or mobile phone numbers to one bank account. However, once an email address or mobile number has been at registered at for one bank account, it can't be registered with another.

When I select or add a recipient to send money to, it states that they have Autodeposit enabled. What is that?

Autodeposit is a feature within the Interac e-Transfer service that enables users to receive funds directly into a bank account without having to answer a security auestion and answer. When activated, funds will go directly into a recipient's bank account that is associated with the email address or phone number a sender is transferring money to. Click here to learn more. 

How will I know if my contact / recipient has the Autodeposit feature enabled?

Senders will know if their contact / recipient has the Autodeposit feature enabled when they are creating the money transfer. Depending on the financial institution, you might also know if your contact / recipient has Autodeposit enabled by reviewing the Interac e-Transfer contact / recipient list.

The security question and answer don't appear anymore, can I still transfer money?

Yes, a security question and answer will no longer appear if the person you are sending money to has Autodeposit enabled.

You will know if your contact / recipient has the Autodeposit feature enabled when you are creating the transfer. Depending on the financial institution, you might also know if your contact / recipient has Autodeposit enabled by reviewing your Interac e-Transfer contact / recipient list.

Can I add a security question and answer for the transfer for someone who has the Autodeposit feature enabled?

No, if the contact / recipient has enabled the Autodeposit feature, they have chosen to receive Interac e-Transfer transactions directly into their bank account without the need to answer a security question.

Are there different limits when sending an Interac e-Transfer transaction contact / recipient that is registered for Autodeposit?

No, the Autodeposit feature of Interac e-Transfer has the existing limits for sending and receiving funds. Limits for sending money with a Interac e-Transfer vary by transaction and financial institution. Please contact your Financial Institution directly.

Why am I seeing a name for my contact / recipient being prompted by my Financial Institution if this is who I am trying to send money to?

When you send money to a contact / recipient who has enabled the Autodeposit feature, your financial institution will prompt the recipient's name to ensure that you are sending funds to the intended contact / recipient.

Will I be notified when the funds have been received by my contact / recipient?

Yes, once the funds are successfully deposited into the contact / recipient's account via the Autodeposit feature, you will receive a confirmation notification.

Can I cancel the Interac e-Transfer transaction when it is going to the contact / recipient that is registered for Autodeposit?

Interac e-Transfer transactions can only be cancelled if they haven't already been deposited. Please note that there may be a fee from your financial institution to cancel the transaction. To cancel an Interac e-Transfer transaction, go into your banks' online banking / mobile banking application and locate the pending transfer in the Interac e-Transfer transaction history. Exact instructions for cancelling a transfer will vary by participating financial institution. If you have any questions about cancelling your transfer, please contact your financial institution directly.

I have registered for the Autodeposit feature. How will I know when I have received money?

Each time you receive funds through the Autodeposit feature, a notification will be sent to you letting you know money was sent to you, by whom and the amount deposited into your account.

Why do I still have to answer the security question, after registering for the Autodeposit feature?

Not all financial institutions have the ability to leverage the Autodeposit feature to send funds to registered contacts / recipients. There might be instances of having to answer the security question even once you have registered for the Autodeposit feature.

I used to be registered for the Autodeposit feature but it is no longer active. How can I re-activate my registration?

To re-activate your Autodeposit registration, go back into your financial institution's Interac e-Transfer Autodeposit registration settings and re-register. The experience to register, will vary by financial institution.

Can I receive notifications to an email that is not registered for Autodeposit?

Yes, if your financial institution has enabled the ability to be notify through other emails, you can be notified each time you receive funds through your Autodeposit registration, to another email of your preference.

Request Money

How do I request money using Interac e-Transfer?

Exact instructions will vary by participating financial institution. One you are logged in to your online banking or mobile banking app, go to Interac e-Transfer and select Request Money. Simply follow their instructions to add a contact and the amount of money you are requesting. You can also view our Interac e-Transfer Request Money here.

How do I edit a Request?

To edit a request for money, log back in to your financial institution's online or mobile banking application, go to your payment history and select the Interac e-Transfer transaction you wish to edit. Use the edit option provided to make the change. This process will vary by participating financial institution and cancellation fees may occur. Please note that you cannot edit a request once it has been fulfilled. Contact your financial institution directly for more information.

How do I cancel a Request?

To cancel a request for money, log into your financial institution's online or mobile banking application, go to payment history and select the Interac e-Transfer transaction you wish to cancel. Use the option provided to cancel the request for money. This process will vary by participating financial institution and cancellation fees may occur. Please note that you cannot cancel a request once it has been fulfilled. Contact your financial institution directly for more information.

Are there limits for requesting money using Interac e-Transfer?

Like most other financial transactions, there are limits on the amount you can request. Each financial institution sets their own request limits. Please contact your financial institution for more details.

How do I cancel a Request?

To cancel a request for money, log into your financial institution's online or mobile banking application, go to payment history and select the Interac e-Transfer transaction you wish to cancel. Use the option provided to cancel the request for money. This process will vary by participating financial institution and cancellation fees may occur. Please note that you cannot cancel a request once it has been fulfilled. Contact your financial institution directly for more information.

Can I attach an invoice while requesting money?

At this stage, you cannot attach an invoice when requesting money through Interac e-Transfer. Alternatively, you can include an invoice number and invoice due date within the request for money transaction. Please note that this experience will vary by participating financial institution. Check with your participating financial institution for further details.

Who can I request money from?

You can request money from anyone with an email address or mobile number who has access to online banking or mobile banking at a Canadian financial institution. Please note that each financial institution has the ability to enable the feature for their account holders and this experience will vary by participating financial institution.

How is the contact notified when a request for money is sent to them?

Similar to sending money via Interac e-Transfer, when you request money through Interac e-Transfer, the recipient / contact will receive a notification to the email address or mobile number you have prescribed for them.

Are there reminder notifications for outstanding requests?

Yes, outstanding requests have automated reminder notifications that are sent to your contact. The frequency of the reminder notifications is determined by each financial institution. Some Financial Institutions might also provide you with the ability to manually re-notify the contact, as reminder. To manually remind your contact, you must log back in to your financial institution's online banking or mobile banking application. From there you can review your transaction or payment history to select the Interac e-Transfer transaction you wish, and use re-notify option provided. This process will vary by participating financial institution. Contact your financial institution directly for more information.

How long are outstanding requests valid for?

The validity for outstanding requests differs by financial institution. Additionally, if the request for money has a due date, the validity of the request will be as per the due date. Contact your financial institution directly for more information.

How is the request for money fulfilled?

The request for money is fulfilled by your contact through online banking or mobile banking application by sending an Interac e-Transfer transaction.

Will I be notified once the request has been fulfilled?

Yes, once the request for money has been fulfilled, you will be receive a notification once the funds are available in your account.

Once the request has been fulfilled, how long will it take for me to receive the money?

Money being sent in response to a request for money will take the same time as a regular Interac e-Transfer transaction. Most notifications will be sent in near real-time to within 30 minutes. Once the Interac e-Transfer notification arrives, you will have instant access to the money.

Who can request money?

The availability of the Request Money feature is dependent on each financial institution. Click here for a full list of participating financial institutions. Contact your financial institution directly for more information.

How do I fulfill an Interac e-Transfer request for money?

If you have received a request for money, click the link that appears in the notification to login to your online banking or mobile banking application. From there, you can fulfill the request by choosing the account for the funds to be withdrawn from. The requestor will receive a notification from Interac e-Transfer once the funds are deposited into their account.

I received an Interac e-Transfer request for money but my bank isn't listed as a supporting Financial Institution. What can I do?

If your Financial Institution isn't supporting the Request Money feature, you can decline the request with a message to the requestor and they would be notified of the same. Alternatively, you can also send a regular Interac e-Transfer transaction to the requestor, in lieu of fulfilling the request for money.

Why isn't my Financial Institution available to fulfill a request for money?

We are actively working with financial institutions to enable them for the Request Money feature. Check back here periodically to see if your financial institution has enabled the Request Money feature.

Can I decline a request?

Yes, you can decline a request for money by selecting the decline option within the notification of the fulfillment page. If you provide a reason for declining the request, the same will be conveyed to the requestor.

Can I block a Requestor from requesting funds from me?

Yes, you can opt-out of receiving requests from a particular requestor, or of the service completely, by selecting the opt-out option on the fulfillment page. You can also opt-in to receive requests from a particular individual, or for the service, by managing your preferences through your financial institution's online banking or mobile banking application. Simply navigate to the INTERAC e-Transfer settings or click here. Please note this experience will vary by participating financial institution.

Can I opt-out of the Request Money feature?

Yes, you can opt-out of receiving requests from a particular requestor or of the service completely, by selecting the opt-out option on the fulfillment page. You can also opt-in to receive requests from a particular individual, or for the service, by managing your preference through your financial institution's online banking or mobile banking application. Simply navigate to the Interac e-Transfer settings or by clicking click here. Please note this experience will vary by participating financial institution.

How do I know when the request for money might be spam?

Only click on links within notifications if you were expecting to pay someone. For Request Money, the Requestor's name will be displayed within the notification. If you weren't expecting that particular Requestor to request funds from you, reportit as spam. You can report spam to phishing@interac.ca.

How can I see who I blocked receiving requests from?

You can view who you have blocked from sending you requests for money by managing your preferences within your Financial Institution's online banking or mobile banking application. Simply navigate to the Interac e-Transfer settings or click here. Please note this experience will vary by participating financial institution.

The Interac e-Transfer request for money has a due date, what happens if I miss it?

If you miss the due date for the request transaction, the request will expire and you will no longer be able to fulfill the request.

Why didn't I have to enter a security question and answer when I was fulfilling a request?

When fulfilling a request for money, you don't need to enter a security question because the security question is a shared secret between the sender and recipient of an Interac e-Transfer transaction. With the Request Money feature, once you fulfill the request, the funds are directly deposited into the requestor's account without requiring them to manually deposit the funds into their account.

The Interac e-Transfer request for money was for more than I can fulfill. What can I do?

If the request for money was more than your limit to send funds, you can decline the request with a message to the requestor. The requestor will be notified of the same.

How long will it take for the money to be received by the requestor?

Money being sent in response to a request for money will take the same time as a regular Interac e-Transfer transaction. Most notificaitons will be sent in near real-time to within 30 minutes. Once the Interac e-Transfer notification arrives, you will have instant access to the money.

Interac Online Payment

 

What if a consumer doesn't use online banking?

A consumer must be registered for online banking to use the Interac Online Payment service. If the consumer tries to use the Interac Online payment option but does not have access to online banking, the financial institution may give them the option to register for web banking right away. The consumer will always be provided a link back to your website, so if they decide not to register for online banking, you can let him or her checkout using another payment method.

Why does the consumer have to leave my website? What if they don't come back?

One of the main benefits of the Interac Online Payment is the separation of shopping and paying. The consumer is taken to his or her financial institution to make the payment so that he or she does not have to enter any account information on your website. Many studies show that consumers are concerned about sharing financial or account details with online merchants.

In the Interac Online Payment flow, the consumer's web browser is automatically directed back to your website once the payment is made. In the event that the consumer is unable to or decides not to authorize the payment in online banking, they are still returned to your website, allowing you to continue the checkout process using a different payment method.

How do I handle refunds?

Some acquirers and payment service providers support Interac Online Payment refund transactions. These allow you to initiate a credit which the customer will receive in the same bank account used for the original purchase. Alternately, you can provide refunds using other mechanisms (e.g. providing a store credit, or sending a cheque).

What is a chargeback?

In the credit card world, an authorized transaction can be reversed. This may happen, for example, when a fraudulent transaction has been charged against a customer's account, and the customer disputes the transaction. To avoid chargebacks, many merchants perform checks before accepting a transaction and refuse to accept it if suspicious. Sometimes blocked transactions are actually legitimate, and so this practice has the negative effect of preventing valid customers from completing their purchase. This type of chargeback does not occur with Interac Online Payment. The financial institution authorizes each payment, and guarantees payment to the merchant.

How much does it cost to use Interac Online?

Your Interac Online payment is handled by your Financial Institution, so fees, if any, would be levied by your Financial Institution. Contact your Financial Institution to inquire about any fees applicable to your Interac Online payment.

What if I don't have online banking?

It is easy to get access to online banking. Contact your bank or visit their website to inquire about signing up. Click here for a list of banks that offer the Interac Online Payment.

Who do I call if something goes wrong?

If you have questions or concerns about your online purchase, (e.g. about delivery time, shipping options, product information etc.) please contact the online retailer.

If you have questions or concerns about your Interac Online Payment (e.g. fees, limits, your account, processing times etc.) that cannot be answered by the online merchant, please contact your bank.

In a proven case of online fraud, you are protected by the 'Customer Services Rules', which ensure that your funds are returned to your bank account by your financial institution. More information about consumer protection is outlined in the Customer Commitment section.

I'm not sure if my payment was completed. How do I know?

If you reach the confirmation screen, and receive a confirmation number, you can be sure your payment was completed. If you confirmed your payment in online banking, but did not get redirected to a confirmation page at the online retailer website, then there was a technical problem.

One of two things may have happened:

  1. The online retailer received your payment but for some reason you were unable to see the confirmation page.
  2. The online retailer was not able to receive your payment.

You can often determine that it was case (1.) if the online retailer sends you a confirmation email, or allows you to check your order history on their website. In case (2.), the funds will be (in most cases) re-credited to your bank account within minutes.

If you are uncertain, contact the online retailer to ask whether your order has been processed.

What if I need to return my purchase? How do I get my money back?

It is important that you check each online retailer’s s return/refund policy prior to making your purchase. Some online retailers will process a refund where the funds are credited back to your bank account.

How can I protect myself against online fraud?

In a proven case of online fraud, you are protected by the 'Customer Services Rules', which ensure that your funds are returned to your bank account by your Financial Institution. These 'Rules' are based on the reputable Canadian Code of Practice for Consumer Protection in Electronic Commerce. While we work with all stakeholders, as well as security experts, to maintain the ongoing security of our services, there are actions that you can take as well. You are encouraged to regularly check your bank statements to verify that all transactions have been properly documented. If entries do not accurately reflect transaction activities - for example, if there are missing or additional transactions you should immediately contact your Financial Institution.

Who are Interac Online participating financial institutions?

  • BMO Bank of Montreal
  • Envision Financial
  • Interior Savings Credit Union
  • Libro Credit Union
  • Kindred Credit Union
  • Scotiabank
  • Tandia Credit Union
  • TD Canada Trust
  • RBC Royal Bank
  • Valley Credit Union
  • Windsor Family Credit Union
  • Your Credit Union

Why doesn’t my co-badged card work with Interac Online?

A co-badged card is easily recognized by the logos on the bottom right corner. If you see the Interac logo along with the logo of a competing payment brand, you own a co-badged card.

While your co-badged debit card still enables you to use Interac Debit to shop at point-of-sale and access funds at ABMs, it now uses a competing network for online payments, instead of Interac Online. This was a decision made by your financial institution. As such, inquiries about the removal of Interac Online functionality should be directed to your financial institution.

You can learn more about co-badged cards here: http://www.interac.ca/en/co-badged-cards.html

Interac Cash

What is INTERAC Cash?

The Interac Cash service is a convenient way to withdraw cash from your account at any Automated Banking Machine (ABM) displaying theInterac logo, anywhere in Canada.

When you're looking for cash in a hurry, you don't have to look far to find an ABM. Interac services have made accessing your accounts for withdrawals easy and available everywhere in Canada.  Since the service is available 24 hours a day, you do not need to worry about what hours a branch is open or searching for an ABM belonging to your own financial institution.

The security of INTERAC Cash

The Interac Cash service is safe and secure. This is ensured by the use of your card and confidential Personal Identification Number (PIN). Adherence to strict Canadian and international security standards are required by all participating Interac Association members.

A debit card cannot be used to withdraw cash at an ABM without the associated cardholder’s PIN. This ensures the security of funds when a card is lost, stolen, or illegally copied.

It is important to report lost or stolen cards to your financial institution immediately to avoid any possible liability.

Learn more about the security of Interac products and services here.

How INTERAC Cash works

The Interac Cash service allows you to withdraw cash from your account at an Automated Banking Machine (ABM). To begin a transaction, insert a valid Interac branded debit card into an ABM that displays the Interaclogo and follow the prompts on the screen, which will ask you to:

  • Enter the withdrawal amount
  • Select the account from which you wish to withdraw funds
  • Enter your Personal Identification Number (PIN)
  • Provide a final okay to send the request the cash withdrawal

Digital Payments

Apple Pay   Android Pay

Samsung Pay

What is Interac Debit on Samsung Pay?

Interac Debit on Samsung Pay is an easy way for consumers with Interac debit cards issued by participating financial institutions to make fast and secure mobile contactless payments using Samsung Pay.

What is Samsung Pay and can I participate as an Interac Debit user?

Canadian Interac debit cardholders can now use an eligible debit card from their participating financial institutions with Samsung Pay to pay at stores that accept Interac Flash contactless payments.

Which cards and devices are eligible for Samsung Pay?

At this time, Interac debit cards issued by Canadian participating financial institutions are eligible to be added to Samsung Pay. Please check with your financial institution for more details.

Samsung Pay works on most Samsung NFC-capable devices, click here for a list of the supported devices and software requirements. NFC-capable devices enable you to make purchases at merchants who displays the contactless symbol at checkout. 

Where can I use Samsung Pay?

You can use Interac Debit on Samsung Pay to make payments in stores with supported terminals wherever Interac Flash payments are accepted..

How can I add my Interac debit card to Samsung Pay?

Add an eligible participating financial institution’s Interac debit card to Samsung Pay by opening the Samsung Pay app on your eligible device and signing into your Samsung Account. Enter a pin, so you can authenticate future purchases.

Next, use your device camera to recognize your Interac debit card or enter the card details manually. Then, enter any additional information as required. For security reasons, a verification step may be needed to enable your virtual card.

If you have a co-badged card (Interac and another payment brand’s debit logos on front of bank card), you will need to enter your Security Code (CVV) and accept your financial institution’s Terms of Use for Samsung Pay when you add the card to Samsung Pay.

You may also be subject to your financial institution’s or Samsung’s own terms & conditions.

I was prompted to receive a one-time Verification Code or to call my bank. What is this and why is it required?

For security purposes, your financial institution may ask you to enter a one-time Verification Code to confirm your identity. This code is a unique series of numbers and/or letters that you can choose to receive via email or SMS if available.

You may also confirm your identity by logging into your financial institution's mobile banking app, if that functionality is available.

Your one-time Verification Code may expire if you aren’t able to enter it in a designated time frame set by your financial institution.

You can request another code by selecting your preferred verification option again, contacting your financial institution by calling the number of the back of your Interac debit card or using your financial institutions mobile banking app. If you are unable to get a one-time Verification Code, please contact your financial institution by calling the number on the back of your Interac debit card.

You may also be asked to call your bank who will activate your Interacdebit card on Samsung Pay.

Does my Interac debit card need to be Interac Flash enabled to use it on Samsung Pay?

No, you do not need an Interac debit card with Interac Flash to use Samsung Pay. However, your financial institution determines if your Interac debit card is eligible to be added.

Can I add my card on multiple devices?

Your financial institution determines how many devices you can add your Interac debit card to. Please note that your card must be added to each device separately.

Once I add my card, how can I remove cards from my device?

There are three options to remove your card from your device:.

  1. From within Samsung Pay, select the card you want removed and select "delete card".
  2. Using Samsung's "Find My Mobile", you can remotely lock or erase Samsung Pay (removing all the payment cards registered on your device).
  3. You can also contact your Issuer directly to remove or suspend your card.

What is a Virtual Card Number and how is it different from my card account number?

For your security, when you add Interac Debit to Samsung Pay, a Virtual Account Number is created for that card on that device. It is separate and unique to your device and different from your physical card number. Your virtual card number is used to make purchases with your card using Samsung Pay.

How do I make purchases using Interac Debit on Samsung Pay?

At checkout, swipe-up from the home button or open the Samsung Pay app from the home screen. Select the card by swiping left or right and then use your fingerprint, Iris or 4-digit PIN for authentication. Hold the back of your Samsung device near the contactless terminal.

How will Samsung Pay transactions appear on my bank statement?

Interac Debit transactions with Samsung Pay will appear the same as any Interac Flash payments do today.

How do I get a refund for something I purchased with Samsung Pay?

Depending on the store's policy, you may need to use the contactless reader when instructed by the merchant. When using your mobile device, the merchant will not recognize your physical card but will access the associated Virtual Card Number to credit your return. Returning an item purchased with your mobile device is just like any other return; you will need your receipt (depending on the merchant's policy).

I’m getting notifications for my card in Samsung Pay on my device. What are these notifications and how can I turn them on/off?

You will receive transaction notifications on your device pertaining to successful transactions made using Interac Debit on Samsung Pay. You can turn your notifications on or off by adjusting the settings within Samsung Pay.

Is my card account number or other information being shared with Samsung?

To help provide the best Interac Debit on Samsung Pay experience, certain account information will be displayed on your device but not your full account information. We will never share your card number with Samsung. If you have any additional questions about your device’s security features, please contact Samsung directly.

How secure is a Samsung Pay transaction?

Your Interac debit card in Samsung Pay is protected by Samsung's device unlock - fingerprint, iris or PIN. For your security, all transactions will require you to unlock your phone in order to authenticate your purchase. All transactions also go through the Interac Token Service Provider (TSP), a proprietary token platform to ensure the safety and privacy of your financial information.

Are the transactions listed anywhere for my card in Samsung Pay?

Interac Debit on Samsung Pay transaction information can be found when you select your Interac Debit card within Samsung Pay.

My device is lost or was stolen and I want to delete my card. What should I do?

If you believe your device or Samsung Pay card information has been lost, stolen or compromised in any way, call your financial institution immediately at the number on the back of your card.

You can also use Samsung's "Find My Mobile" to remove or lock the Interac debit cards added to Samsung Pay.

Can I make a transaction in an area where there is no cellphone reception?

Yes. You are able to make a limited number of transactions if you do not have internet connectivity.

Is the Interac debit card in Samsung Pay different than Interac Online?

Yes. The Interac debit card in Samsung Pay enables you to make purchases with your device when purchasing in-store with a contactless terminal. Interac Online is available within select merchant’s online checkout page, allowing you to pay by Interac Debit.

Is there a fee associated with using Interac Debit on Samsung Pay?

No. Interac Debit on Samsung Pay is the same as an Interac Flash transaction. Please check with your financial institution.

Android Pay

What is Interac Debit on Android Pay?

Interac Debit on Android Pay is an easy way for consumers with debit cards issued by participating financial institutions to make fast and secure mobile contactless payments using Android Pay.

What is Android Pay and can I participate as an Interac Debit user?

Canadian Interac Debit cardholders can now use an eligible Interac debit card from their participating financial institutions with Android Pay to pay at merchants who accept Interac Flash contactless payments.

Which cards and devices are eligible for Android Pay?

At this time, Interac debit cards issued by Canadian participating financial institutions are eligible to be added to Android Pay. Please check with your financial institution for more details.

Android Pay works on most NFC-capable devices with Android version 4.4 (KitKat) or higher. NFC-capable devices enable you to make purchases at merchants who display one of these symbols at checkout:

To learn more about how to use Android Pay, please visit android.com/pay.

How can I get Android Pay on my device?

Android Pay may be preloaded on select Android devices. If your device does not have the app, simply download it from Google Play.

When I try to add my debit card to Android Pay, why am I getting a message that says, “This card can’t be added quite yet. Your card will be supported soon. We’ll let you know once you can add your card.”?

This message means that Google hasn’t updated your device yet which is affecting your ability to add your debit card. Google will send you an email and you will receive a notification on your device when it has been updated. You will then be able to add your debit card from a participating financial institution to use Interac Debit on Android Pay.

Where can I use Android Pay?

You can use Interac Debit on Android Pay to make payments in stores with supported terminals wherever Interac Flash payments are accepted.

How can I add my Interac debit card to Android Pay?

Add an eligible participating financial institution’s Interac Debit card to Android Pay by opening the Android Pay app on your eligible device.

Use your device camera to recognize your Interac debit card or enter the card details manually. Then, enter any additional information required, such as your address and phone number. For security reasons, a verification step may be needed to enable your virtual card.

If you have a co-badged card (Interac & Visa or Mastercard debit logo on front of bank card), you will need to enter your Security Code (CVV) and accept your financial institution’s Terms of Use for Android Pay when you add the card to Android Pay.

You may also be subject to your financial institution’s or Android’s own terms & conditions.

I was prompted to receive a one-time Verification Code or to call my bank. What is this and why is it required?

For security purposes, your financial institution may ask you to enter a one-time Verification Code to confirm your identity. This code is a unique series of numbers and/or letters that you can choose to receive via email or SMS.

You may also confirm your identity by logging into your financial institution's mobile banking app, if that functionality is available.

Your one-time Verification Code may expire if you aren’t able to enter it in a designated time frame set by your financial institution.

You can request another code by selecting your preferred verification option again, contacting your financial institution by calling the number on the back of your Interac debit card or using your financial institution’s mobile banking app. If you are unable to get a one-time Verification Code, please contact your financial institution by calling the number on the back of your Interac debit card.

You may also be asked to call your bank who will activate your Interac debit card on Android Pay.

Does my Interac debit card need to be Interac Flash enabled to use it on Android Pay?

No, you do not need an Interac debit card with Interac Flash to use Android Pay. However, your financial institution determines if your Interac debit card is eligible to be added.

Can I put my card on multiple devices?

Your financial institution determines how many devices you can add your Interac debit card to. Please note that your card must be added to each device separately.

Once I add my card, how can I remove Cards from my device?

There are two options to remove your card from your device:

  1. From within Android Pay, select the card you want removed and select "remove card".
  2. Using Android's "Find your phone" service

Your financial institution can suspend your card.

 

What is a Device Account Number and how is it different from my card account number?

For your security, when you add your Interac debit card to Android Pay, a Device Account Number is created for that card on that device. It is separate and unique to your device and different from your physical card number. Your Device Account Number is used to make purchases with your card using Android Pay.

How do I make purchases using Interac on Android Pay?

At checkout, hold the back of your Android device near the contactless terminal. For some transactions, you may be required to authenticate yourself using device unlock. Your phone will beep or vibrate, and you will receive a confirmation on screen.

How will an Android Pay transaction appear on my bank statement?

Interac Debit transactions with Android Pay will appear the same as any Interac Flash payments do today.

How do I get a refund for something I purchased with Android Pay?

Depending on the merchant's policy, you may need to use the contactless reader when instructed by the merchant. When using your mobile device, the merchant will not recognize your physical card but will access the associated virtual card number to credit your return. Returning an item purchased with your mobile device is just like any other return; you will need your receipt (depending on the merchant's policy).

Is my card account number or other information being shared with Android?

When you add your Interac debit card to Android Pay, your account information is not shared with Android. To set up Interac Debit on Android Pay, certain information will be encrypted and then used to generate a unique device account number that is securely stored on your device. Each transaction is authorized with a one-time token so you can pay in confidence knowing your personal financial information is never shared with merchants. Your account number will never be shared with Android. If you have any additional questions about your device’s security features or how Android uses other information, please contact Android directly.

How secure is an Android Pay transaction?

Your Interac debit card in Android Pay is protected by your fingerprint or Android's standard device unlock (ie. passcode, pin or pattern). For your security, some transactions may require you to unlock your phone in order to authenticate your purchase. All transactions also go through the Interac Token Service Provider (TSP), a proprietary token platform to ensure the safety and privacy of your financial information.

Are the transactions listed anywhere for my card in Android Pay?

Interac Debit on Android Pay transaction information can be found when you select your Interac debit card within Android Pay.

If I receive a replacement card, do I need to update my card information with Android Pay?

No, you do not need to update your card in Android Pay. If you have problems, you will need to contact your financial institution.

My device is lost or was stolen and I want to delete my card. What should I do?

If you believe your device or Android Pay card information has been lost, stolen or compromised in any way, call your financial institution immediately at the number on the back of your card.

If the remote location access for your device is turned on in advance, you can remotely lock your device or do a factory reset, take these steps:

  • Sign in to your Google account on your device in order to use Find My Device
  • To turn on the location access from your device's apps menu, open Google Settings and touch Security
  • Under Find My Device, move the switches next to ”Remotely locate this device” and ”Allow remote lock and factory reset” to the On position.

Is Interac Debit on Android Pay different than Interac Online?

Yes. Interac Debit on Android Pay enables you to make purchases with your device when purchasing in-store with a contactless terminal. Interac Online is available within select merchants’ online checkout pages, allowing you to pay by Interac Debit.

What is the difference between Interac Debit on Android Pay and Interac within my financial institution's mobile wallet using my Android device?

These are two different wallets with different experiences, but both allow you to make Interac Debit transactions safely and securely./p>

Is there a fee associated with using Interac Debit on Android Pay?

No. Interac Debit on Android Pay is the same as an Interac Flash transaction. Please check with your financial institution.

Does Interac Debit on Android Pay use cellular data?

You do not need cellular data or a Wi-Fi connection to make a transaction using Interac Debit on Android Pay. When you add your Interac Debit card to Android Pay, you are provided with a limited amount of tokens to be used for transactions. These tokens are replenished using a small amount of cellular data (or Wi-Fi if a connection is available) for future purchases.

Apple Pay

What is Interac Debit on Apple Pay?

Interac Debit on Apple Pay is a new way to make debit payments using Interac on your eligible Apple device.

What is Apple Pay and can I participate as an Interac debit user?

Canadian ATB Financial, BMO, Coast Capital, CIBC, Desjardins, L'Alliance, RBC, Scotiabank, TD and UNI Interac debit cardholders can now use an eligible Interac debit card with Apple Pay to pay at merchants who accept Interac Flash contactless payments.

Canadian BMO, Desjardins and Coast Capital Interac debit card members can now use an eligible Interac debit card with Apple Pay to pay in-app at select merchants.

Which cards and devices are eligible for Apple Pay?

At this time, Canadian ATB Financial, BMO, CIBC, Coast Capital, Desjardins, L'Alliance, RBC, Scotiabank, TD and UNI Interac debit cards are eligible to be added to Apple Pay. Please check with your financial institution for more details. To use Apple Pay in-store or in-app, you must have an iPhone SE or later or an Apple® Watch. You can additionally use Apple Pay in-app with iPad mini 3 or later as well as MacBook Pro with Touch ID.

To learn more about how to use Apple Pay, please visit apple.com/apple-pay.

Where can I use Apple Pay?

You can use Interac Debit on Apple Pay to make payments in stores with supported devices wherever Interac Flash payments are accepted. Just look for the Interac Flash logo or the contactless symbol at checkout.

How can I add my card to Apple Pay?

1. To add your Interac debit card on a supported iPhone, go to “Settings,” open “Wallet & Apple Pay,” and select “Add Credit or Debit Card.” On a supported iPhone, you can also open the Wallet app and select “Add Credit or Debit Card” or select the (+) sign in the upper right hand corner.

2.To add your Interac debit card on Apple Watch, you must first pair your Watch with a supported iPhone running on iOS 9.2 or later using the Apple Watch app. Once paired, open the Apple Watch app on your iPhone, select "Wallet & Apple Pay" and then tap "Add Credit or Debit Card."

Please note that the iPhone 5, 5c and 5s only enable payments for the Apple Watch. Payments cannot be made with the iPhone 5, 5c or 5s alone. When adding your Interac debit card, you can choose to add the card manually entering your Card information or taking a picture of your card.

In you have a co-badged card (Interac & Visa debit logo on front of bank card), you will always need to enter your Security Code (CVV) and accept the your financial institution’s Terms of Use for Apple Pay each time you add a card to Apple Pay. You are also subject to Apple’s own terms & conditions.

I was prompted to receive a one-time Verification Code or to call my bank. What is this and why is it required?

For security purposes, your financial institution may ask you to enter a one-time Verification Code to confirm your identity. This code is a unique series of numbers and/or letters that you can choose to receive via email or text. If prompted, please select how you wish to receive the one-time Verification Code and then enter that code into the appropriate field. For Apple Watch, you will need to enter the Verification Code for the Card you are adding by going to "Wallet & Apple Pay" in the Apple Watch app on your supported device. Please note that you will need a working Internet or data connection to receive a one-time Verification Code.

Your one-time Verification Code may expire if you aren’t able to enter it within 10 minutes. You can request another code by selecting your preferred verification option again, contacting your financial institution by calling the number of the back of your card or using your financial institutions mobile banking app. If you are unable to get a one-time Verification Code, please contact your financial institution by calling the number on the back of your Card.

You may also be asked to call your bank who will activate your Interac debit card on Apple Pay.

Does my Interac debit card need to be Flash enabled to use it on Apple Pay?

No, you do not need a flash enabled Interac debit card to use Apple Pay. However, your financial institution determines if your Interac debit card can be added.

Can I put multiple cards on my device?

Yes. At this time, Apple allows up to eight cards on a device.

Can I put my card on multiple devices?

Your financial institution determines how many devices you can add your Interac debit card to, up to 10 devices. Please note that your card must be added to each device separately.

Once I add my card, how can I suspend the ability to make payments or remove Cards from my device?

To remove your card on an iPhone 6 or later, select “Remove Card” in the “Wallet & Apple Pay” section of your device “Settings” or on the back of your Card in the Wallet app. You can also visit icloud.com/settings to remove your card or Find My iPhone to temporarily suspend or permanently remove the ability to pay with your Cards on your device.

To remove your card on Apple Watch, go to "Wallet" on your Apple Watch device, select your card then hold and tap "Delete" to remove your card. Additionally, you can remove your card using the Apple Watch app on your iPhone. Open the Apple Watch app, select "Wallet & Apple Pay", then select your card and navigate to the bottom and tap "Remove card." Please note that you can always visit icloud.com/settings to remove your card on Apple Watch.

What is a Device Account Number and how is it different from my card account number?

For your security, when you add your Interac debit card to Apple Pay, a Device Account Number is created for that card on that device. It is separate and unique to your device and different from your physical card number. Your Device Account Number is used to make purchases with your card using Apple Pay.

How will an Apple Pay transaction appear on my bank statement?

Interac Debit transactions with Apple Pay will appear the same as any Interac Flash payments do today.

How do I get a refund for something I purchased with Apple Pay?

If you need to make a return for a purchase made with Apple Pay you can receive refunds to your account. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for your card, visit the “Wallet & Apple Pay” section of your device “Settings” or on the back of your card in the Wallet app.

Where can I view and manage my card in Apple Pay?

For an iPhone 6 or later, you can view and manage your cards in Apple Pay by going to “Settings” and selecting “Wallet & Apple Pay.” By tapping on an individual card, you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay.

For iPhone 6 or later, you can also view and manage your cards in the Wallet app. When you select an individual card, you can tap the “i” to get to the back of the card, where you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay.

For Apple Watch, you can view and manage your cards on Apple Watch within the Apple Watch app on your iPhone. Simply tap on an individual card to manage the settings associated with that card in Apple Pay. The Apple Watch app will not display transaction detail or transaction history.

I’m getting notifications for my card in Apple Pay on my device. What are these notifications and how can I turn them on/off?

You will receive “Card Notifications” for your Interac debit card in Apple Pay on iPhone  letting you know about Interac debit purchases made with Apple Pay. You can turn your notifications on or off by adjusting the “Card Notifications” settings for each Card within the “Wallet & Apple Pay” section of your device “Settings.” Please keep in mind that by turning off your “Card Notifications,” you will no longer receive transaction notifications.

You will not receive specific "Card Notifications" for cards added to Apple Pay for your Apple Watch. You may receive notifications on your Apple Watch if you have a card added to Apple Pay on your paired iPhone and have push notifications enabled.

Is my card account number or other information being shared with Apple?

To help provide the best Interac with Apple Pay experience, certain account information will be displayed on your device but not your full account information. We will never share your card number with Apple. If you have any additional questions about your device’s security features, please contact Apple directly.

How secure is an Apple Pay transaction?

Your Interac debit card in Apple Pay is protected by “Touch ID” and/or your device “Passcode.” For your security, when you make a purchase using Apple Pay, you must either use “Touch ID” or the “Passcode” for your device. All of your payment information will be encrypted in the Secure Element, a dedicated chip in your device.

All transactions also go through the Interac Token Service Provider (TSP), a proprietary token platform to ensure the safety and privacy of your financial information.

Are the transactions listed anywhere for my card in Apple Pay?

Yes, to view your latest transaction, tap the image of your debit card inside your mobile wallet, and then tap the i icon. The payment information that is displayed differs between each financial institution, so you will either see your latest transaction, or a series of transactions. This may also include all debit transactions, or just the ones conducted on your mobile device. Always refer to your account statement for final transaction details. If you have additional questions, please contact your financial institution directly.

My device is lost or was stolen and I want to delete my card. What should I do?

If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call your financial institution immediately at the number on the back of your card.

For an iPhone, you can go to the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. If you suspend your card(s) using Find My iPhone, you can reactivate your card(s) simply by unlocking your device and entering your Apple ID "Passcode" when prompted. For any supported Apple device, you can always go to icloud.com/settings, choose the applicable device and delete your card(s).

Is the Interac debit card in Apple Pay different than INTERAC Online?

Yes. The Interac debit card in Apple Pay enables you to make purchases with your device when purchasing in-store with a contactless terminal. Interac Online is available within select merchant’s online checkout page, allowing you to pay by Interac Debit.