Interac Direct Payment Users by Province (in thousands)
| Province |
2002 |
2003 |
2004 |
2005 |
2006 |
2007 |
2008 |
2009 |
| Total Canada |
18,453.2 |
19,162.6 |
19,846.7 |
20,477.0 |
20,920.1 |
21,261.6 |
21,524.1 |
22,311.7 |
| AB |
2,000.8 |
2,068.4 |
2,171.1 |
2,240.0 |
2,342.2 |
2,434.1 |
2,464.1 |
2,627.6 |
| BC |
2,385.9 |
2,490.9 |
2,584.9 |
2,666.9 |
2,726.9 |
2,775.3 |
2,809.6 |
2,949.0 |
| MB |
633.9 |
651.1 |
679.7 |
701.3 |
720.9 |
743.8 |
753.0 |
819.9 |
| NB |
425.0 |
441.8 |
453.3 |
467.7 |
477.4 |
505.3 |
511.5 |
567.7 |
| N.L. |
267.3 |
280.3 |
293.4 |
302.7 |
315.6 |
334.2 |
338.3 |
369.9 |
| NS |
522.5 |
547.8 |
568.1 |
586.1 |
609.0 |
620.7 |
628.4 |
659.7 |
| ON |
6,894.9 |
7,176.1 |
7,453.6 |
7,690.3 |
7,826.9 |
7,901.8 |
7,999.4 |
8,158.8 |
| PEI |
73.4 |
78.5 |
80.5 |
83.1 |
88.5 |
101.4 |
102.7 |
102.0 |
| QC |
4,721.5 |
4,879.7 |
4,999.3 |
5,158.0 |
5,218.8 |
5,211.3 |
5,275.7 |
5,286.0 |
| SK |
528.0 |
547.9 |
562.9 |
580.8 |
594.0 |
633.6 |
641.4 |
771.1 |
Interac Direct Payment Merchants by Province
| Province
|
1999
|
2000
|
2001
|
2002
|
2003
|
2004
|
2005
|
2006
|
2007 |
2008 |
| Total Canada
|
289,596
|
310,946
|
328,009
|
350,128
|
365,616
|
378,554
|
391,264
|
404,627
|
410,324 |
413,465 |
| AB
|
31,103
|
34,019
|
37,687
|
41,363
|
43,172
|
44,787
|
46,275
|
48,061
|
49,062 |
48,830 |
| BC
|
45,482
|
49,400
|
52,198
|
55,757
|
59,100
|
61,507
|
63,080
|
65,364
|
66,130 |
66,224 |
| MB
|
9,697
|
10,700
|
11,164
|
11,966
|
12,528
|
13,015
|
13,256
|
13,560
|
13,783 |
14,004 |
| NB
|
7,245
|
7,831
|
8,084
|
8,463
|
8,846
|
9,050
|
9,097
|
9,208
|
9,274 |
9,418 |
| N.L.
|
4,793
|
5,251
|
5,526
|
5,864
|
6,200
|
6,338
|
6,464
|
6,500
|
6,539 |
6,437 |
| NS
|
8,353
|
9,093
|
9,524
|
10,127
|
10,637
|
11,076
|
11,354
|
11,524
|
11,778 |
11,924 |
| ON
|
99,039
|
108,694
|
116,241
|
125,410
|
133,106
|
138,536
|
143,473
|
149,323
|
151,091 |
149,174 |
| PEI
|
1,441
|
1,548
|
1,579
|
1,676
|
1,770
|
1,796
|
1,831
|
1,877
|
1,910 |
2,112 |
| QC
|
72,197
|
74,004
|
75,081
|
77,839
|
77,918
|
79,769
|
83,672
|
86,174
|
87,179 |
91,450 |
| SK
|
9,524
|
10,406
|
10,924
|
11,661
|
12,339
|
12,680
|
12,763
|
13,036
|
13,578 |
13,892 |
Number of Shared Cash Dispensing Transactions and # ABMs per Year
| Year
|
# Shared ABMs (thousands)
|
# Shared Cash Dispensing (millions)
|
| 2009
|
58.2
|
243.6
|
| 2008
|
57.9
|
257.3
|
| 2007
|
55.6
|
266.4
|
| 2006
|
53.4
|
285.0
|
| 2005
|
50.6
|
292.6
|
| 2004
|
47.5
|
294.7
|
| 2003
|
42.8
|
300.8
|
| 2002
|
40.0
|
333.3
|
| 2001
|
35.6
|
375.3
|
| 2000
|
31.9
|
366.5
|
| 1999
|
26.7
|
353.9
|
| 1998
|
23.5
|
333.2
|
| 1997
|
19.2
|
318.9
|
| 1996
|
18.4
|
301.5
|
Number of Automated Banking Machines per 1 Million Inhabitants
| Year |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
2007 |
| Belgium |
1,108 |
1,130 |
1,204 |
1,267 |
1,289 |
1,284 |
1,448 |
| Canada |
1,145 |
1,272 |
1,394 |
1,517 |
1,631 |
1,735 |
1,748 |
| France |
606 |
637 |
683 |
703 |
763 |
757 |
821 |
| Germany |
603 |
612 |
620 |
638 |
647 |
654 |
831 |
| Italy |
632 |
683 |
671 |
682 |
698 |
748 |
817 |
| Japan |
1,121 |
1,100 |
1,080 |
1,069 |
1,067 |
1,082 |
1,083 |
| Netherlands |
445 |
466 |
465 |
484 |
461 |
497 |
521 |
| Singapore |
435 |
371 |
371 |
379 |
391 |
399 |
415 |
| Sweden |
289 |
297 |
299 |
315 |
310 |
309 |
307 |
| Switzerland |
692 |
706 |
722 |
722 |
740 |
759 |
778 |
| United Kingdom |
621 |
690 |
783 |
909 |
968 |
998 |
1,040 |
| United States |
1,137 |
1,221 |
1,275 |
1,303 |
1,335 |
1,318 |
1,375 |
Transactions per Inhabitant 2007 (BIS)
Bank of International Settlements
Number of Automated Banking Machine Cash Transactions per Inhabitant
| Year |
2002 |
2003 |
2004 |
2005 |
2006 |
2007 |
| Belgium |
23 |
25 |
23 |
24 |
24 |
28 |
| Canada |
45 |
43 |
34 |
33 |
32 |
32 |
| France |
19 |
20 |
20 |
23 |
23 |
24 |
| Germany |
20 |
39 |
29 |
29 |
29 |
23 |
| Italy |
10 |
11 |
7 |
7 |
8 |
8 |
| Japan |
2 |
2 |
3 |
3 |
3 |
3 |
| Netherlands |
30 |
30 |
29 |
28 |
29 |
28 |
| Singapore |
2 |
1 |
1 |
1 |
1 |
1 |
| Sweden |
36 |
36 |
37 |
35 |
33 |
32 |
| Switzerland |
21 |
15 |
14 |
14 |
13 |
14 |
| United Kingdom |
38 |
40 |
42 |
44 |
n/a |
46 |
| United States |
36 |
37 |
37 |
n/a |
n/a |
n/a |
Transactions per Inhabitant 2007 (BIS)
Bank of International Settlements
Interac Direct Payment Transactions, Merchants, Terminals, $ Value, and Users per Year
| Year
|
# of Monthly Users (millions)
|
# IDP Terminals (thousands)
|
# Merchants (thousands)
|
Total # of transactions (millions)
|
$ Value of transactions ($ billions)
|
| 2009
|
22.3
|
708.7
|
435.8
|
3,881.95
|
171.36
|
| 2008
|
21.5
|
630.5
|
413.5
|
3,705.43
|
168.58
|
| 2007
|
21.3
|
603.2
|
410.3
|
3,451.77
|
156.82
|
| 2006
|
20.9
|
591.9
|
404.6
|
3,293.19
|
148.70
|
| 2005
|
20.5
|
571.4
|
391.3
|
3,070.06
|
137.42
|
| 2004
|
19.8
|
546.0
|
378.6
|
2,819.20
|
124.40
|
| 2003
|
19.2
|
520.6
|
365.6
|
2,590.00
|
116.00
|
| 2002
|
18.5
|
494.9
|
350.1
|
2,404.06
|
104.87
|
| 2001
|
17.6
|
463.2
|
328.0
|
2,236.60
|
94.90
|
| 2000
|
16.7
|
438.2
|
310.9
|
1,960.10
|
85.20
|
| 1999
|
15.7
|
406.1
|
289.6
|
1,661.40
|
72.10
|
| 1998
|
14.3
|
393.7
|
280.5
|
1,355.40
|
58.50
|
Interac Direct Payment transactions by Province (In Millions)
| Prov. |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
2007 |
2008 |
2009 |
Total Can. |
2,236.60 |
2,404.06 |
2,590.00 |
2,819.20 |
3,070.06 |
3,293.19 |
3,451.77 |
3,705.4 |
3,881.95 |
| AB |
284.3 |
303.4 |
326.5 |
361.3 |
405.8 |
455.2 |
492.0 |
524.3 |
539.4 |
| BC |
320.4 |
345.6 |
374.5 |
414.2 |
454.9 |
488.7 |
521.9 |
562.7 |
572.9 |
| MB |
82.8 |
88.5 |
95.0 |
103.4 |
110.5 |
118.3 |
123.1 |
130.9 |
146.5 |
| NB |
53.1 |
57.3 |
62.4 |
68.2 |
73.5 |
78.1 |
83.2 |
93.6 |
96.6 |
| N.L. |
35.3 |
38.9 |
42.8 |
47.1 |
50.9 |
56.8 |
63.2 |
67.7 |
73.1 |
| NS |
65.8 |
71.8 |
79.8 |
86.0 |
93.9 |
104.5 |
110.1 |
119.2 |
128.1 |
| ON |
754.6 |
813.6 |
889.4 |
958.5 |
1,059.8 |
1,138.5 |
1,191.2 |
1,258.2 |
1,372.0 |
| PEI |
10.2 |
11.2 |
12.5 |
13.6 |
14.6 |
15.1 |
15.8 |
20.6 |
18.7 |
| QC |
563.1 |
601.9 |
629.3 |
682.7 |
714.4 |
737.5 |
738.9 |
804.7 |
804.4 |
| SK |
67.0 |
71.8 |
77.9 |
84.2 |
91.9 |
100.4 |
112.4 |
123.4 |
130.4 |
Interac Direct Payment Terminals by Province
| Province |
1999 |
2000 |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
2007 |
2008 |
| Total Canada |
406,050 |
438,179 |
463,244 |
494,921 |
520,563 |
546,022 |
571,353 |
591,939 |
603,248 |
630,534 |
| AB |
45,691 |
50,893 |
54,180 |
59,475 |
62,646 |
66,869 |
70,853 |
73,584 |
75,531 |
82,726 |
| BC |
62,463 |
68,084 |
72,474 |
77,753 |
82,078 |
86,604 |
90,148 |
93,553 |
95,337 |
98,387 |
| MB |
13,637 |
15,450 |
15,943 |
17,061 |
18,010 |
18,951 |
19,495 |
20,020 |
20,421 |
21,715 |
| NB |
10,052 |
10,768 |
11,228 |
11,836 |
12,471 |
13,155 |
13,615 |
14,036 |
14,233 |
14,445 |
| N.L. |
6,498 |
7,075 |
7,560 |
8,005 |
8,421 |
8,684 |
9,005 |
9,483 |
9,548 |
9,697 |
| NS |
12,196 |
13,194 |
13,930 |
14,879 |
15,711 |
16,591 |
17,249 |
17,796 |
18,126 |
18,689 |
| ON |
144,388 |
156,900 |
167,539 |
179,494 |
189,292 |
199,575 |
210,258 |
218,091 |
221,752 |
226,228 |
| PEI |
1,966 |
2,154 |
2,273 |
2,405 |
2,503 |
2,585 |
2,674 |
2,700 |
2,740 |
3,070 |
| QC |
96,194 |
99,459 |
103,189 |
107,852 |
112,342 |
115,246 |
119,898 |
124,001 |
126,025 |
134,789 |
| SK |
12,919 |
14,202 |
14,930 |
16,161 |
17,089 |
17,762 |
18,158 |
18,675 |
19,535 |
20,788 |
Total Interac Direct Payment Transactions (In Millions)
Top 5 Countries in Debit Use (BIS)
Automated Banking Machine use in Canada vs. other countries
Payment Method Used Most among ABM Cardholders
Number of Debit Terminals per 1 Million Inhabitants
| Country |
2001 |
2002 |
2003 |
2004 |
2005 |
2006 |
2007 |
| Belgium |
14,047 |
13,141 |
10,900 |
10,394 |
9,653 |
10,886 |
11,425 |
| Canada |
14,881 |
15,737 |
16,416 |
17,086 |
17,697 |
18,137 |
18,254 |
| France |
14,845 |
15,620 |
16,267 |
17,048 |
17,464 |
18,071 |
19,546 |
| Germany |
5,291 |
5,584 |
6,008 |
6,303 |
6,906 |
7,023 |
6,881 |
| Italy |
12,918 |
14,109 |
15,945 |
17,295 |
17,976 |
19,984 |
20,710 |
| Japan |
7,757 |
8,342 |
8,996 |
9,732 |
10,765 |
n/a |
13,169 |
| Netherlands |
10,333 |
10,972 |
11,466 |
11,957 |
12,645 |
13,125 |
18,669 |
| Singapore |
5,067 |
5,625 |
6,679 |
6,321 |
13,757 |
15,468 |
15,531 |
| Sweden |
9,917 |
14,431 |
12,062 |
13,792 |
19,561 |
20,107 |
20,473 |
| Switzerland |
10,139 |
10,984 |
10,803 |
11,813 |
14,692 |
15,427 |
16,646 |
| United Kingdom |
13,078 |
13,691 |
14,508 |
15,376 |
16,178 |
17,384 |
17,232 |
| United States |
12,267 |
12,144 |
13,365 |
16,672 |
16,963 |
17,288 |
17,039 |
Transactions per Inhabitant 2007 (BIS)
Bank of International Settlements
Number of Debit Transactions per Inhabitant
| Country |
2002 |
2003 |
2004 |
2005 |
2006 |
2007 |
| Belgium |
52 |
53 |
57 |
62 |
67 |
71 |
| Canada |
76 |
81 |
88 |
95 |
100 |
104 |
| France |
66 |
70 |
n/a |
n/a |
n/a |
n/a |
| Germany |
18 |
20 |
22 |
24 |
24 |
21 |
| Italy |
9 |
10 |
11 |
12 |
13 |
14 |
| Netherlands |
66 |
71 |
76 |
81 |
88 |
97 |
| Singapore |
23 |
25 |
28 |
32 |
34 |
36 |
| Sweden |
57 |
74 |
86 |
97 |
109 |
125 |
| Switzerland |
30 |
33 |
34 |
36 |
38 |
40 |
| United Kingdom |
50 |
56 |
61 |
69 |
76 |
83 |
| United States |
54 |
63 |
67 |
74 |
86 |
100 |
Transactions per Inhabitant 2007 (BIS)
Bank of International Settlements
Top 5 Countries in Use of ABMs for Cash Withdrawals (BIS)
Interac Direct Payment Volumes by Retail Sector 2007
| Standard Industrial Classification |
Locations |
Terminals |
Transactions |
$ Value (Total) |
Avg. $ value per txn. |
% of total txns. |
% of total value |
| Beer/Liquor/Wine |
5,208 |
9,965 |
139,884,058 |
5,434,226,144 |
$38.85 |
4% |
3% |
| Convenience Stores |
16,189 |
20,359 |
98,366,496 |
3,225,368,894 |
$32.79 |
3% |
2% |
| Department Stores |
13,856 |
42,895 |
300,159,262 |
16,202,277,390 |
$53.98 |
9% |
10% |
| Drug Stores & Pharmacies |
7,240 |
20,603 |
185,421,110 |
6,252,987,796 |
$33.72 |
5% |
4% |
| Gas Station/Auto Repair |
47,113 |
74,547 |
448,429,143 |
19,295,914,995 |
$43.03 |
13% |
12% |
| Hardware & Gardening |
11,525 |
21,260 |
128,326,677 |
8,031,330,730 |
$62.59 |
4% |
5% |
| Other Services |
46,892 |
46,955 |
66,456,151 |
3,829,384,061 |
$57.62 |
2% |
2% |
| Prof. & Bus. Services |
57,506 |
58,190 |
61,402,048 |
7,489,449,676 |
$121.97 |
2% |
5% |
| Restaurant/Bars/Fast Food |
56,934 |
76,153 |
522,346,662 |
9,277,957,411 |
$17.76 |
15% |
6% |
| Small Food Specialty |
14,854 |
16,684 |
171,394,872 |
4,424,481,595 |
$25.81 |
5% |
3% |
| Specialty/Clothing |
82,771 |
106,803 |
371,902,994 |
24,241,346,975 |
$65.18 |
11% |
15% |
| Supermarkets |
10,064 |
47,542 |
810,583,858 |
41,515,775,647 |
$51.22 |
23% |
26% |
| Travel/Hotel/Car Rental |
27,565 |
42,048 |
117,093,249 |
4,658,504,635 |
$39.78 |
3% |
3% |
| Utility & Government |
12,607 |
19,243 |
30,005,805 |
2,949,561,112 |
$98.30 |
1% |
2% |
| TOTAL 2007 |
410,324 |
603,248 |
3,451,772,385 |
$156,828,567,062 |
$45.43 |
100% |
100%
|
| Year |
Dollars Lost to Debit Card Fraud |
Cardholders Reimbursed |
| 2004 |
$60 million |
49,000 |
| 2005 |
$70.4 million |
72,000 |
| 2006 |
$94.6 million |
119,000 |
| 2007 |
$106.8million |
159,300 |
| 2008 |
$104.5 million |
148,000 |
| 2009 |
$142.3 million |
238,000 |
While Interac services are among the most secure in the world, debit card fraud can occur. Debit card fraud affects a fraction of one per cent of all transactions and victims are protected and will not suffer financial losses due to circumstances beyond their control.