It’s your money.
Use it wisely.
Click or tap — you’re always paying with your money.
Control
Pay with your own money. Stay in charge of your spending.
Choice
Make your money matter. Make a choice that helps small businesses.
Canadian
The 100% Canadian way
to pay.
Pay with Interac® Debit — in more places than you might expect.
Online and in apps
In store
On transit
At an ABM
Cross-border
Built-in features protect you every time you pay.
Whenever and wherever you pay with Interac Debit, built-in protection safeguards your money.
Built-in features protect you every time you pay.
Whenever and wherever you pay with Interac Debit, built-in protection safeguards your money.
Zero Liability Policy
The Zero Liability Policy means that you will be reimbursed for unauthorized fraud transactions beyond your control.4
Data protection
When you’re shopping on your phone with Interac Debit, advanced data protection hides your sensitive details to help prevent fraud.
Chip & Encryption
Every card transaction is encrypted and unique. It’s extremely difficult to copy or counterfeit your card.
Transaction and contactless spending limits
Spending limits for contactless payments help reduce your risk if your card is lost or stolen.
Lost your card or spot fraud? Call your bank or credit union immediately.
Make it matter.
Choose Interac Debit and help small businesses.
Lower transaction fees help businesses keep more of their hard-earned money — so local communities can thrive.
Choose the 100% Canadian
way to pay.
Low transaction fees help
local businesses.
More money can stay with
the businesses you love.
Add Interac Debit to your digital wallet.
Use Interac Debit on your phone — in apps, online and in store.
01
Open your digital wallet and tap + to add to wallet.
02
Select your debit card.
03
Follow the onscreen instructions.
All set? Now make Interac Debit your default payment — and stay in control of your spending every day.
See how easy it is to do more with Interac Debit.
Get step-by-step instructions for adding Interac Debit to your phone, using it online, and other ways to pay with your own money.
FAQs
What is Interac Debit?
Interac Debit is a Canadian debit payment service that lets you pay directly from your bank account in store and where accepted online and in apps using your debit card or mobile wallet.
How do I pay with my Interac Debit card online?
To make Interac Debit payments online and in-app, you’ll first need to add your Interac Debit to your digital wallet (Apple Pay or Google Pay). Learn how here.
Then you can pay with Interac Debit at participating merchants, via Apple Pay or Google Pay. Here, you can see how to pay with Interac Debit online or in-app through your digital wallet.
How do I add an Interac Debit card to my Apple Pay or Google Pay wallet?
Interac Debit on Apple Pay and Interac Debit on Google Pay allow you to make debit payments using Interac Debit on your eligible device.
It’s an easy, fast, and secure way for Canadians to pay directly from their bank account when shopping online using their mobile device.
See the instructions for adding your Interac Debit card to your digital wallet at this page.
Before you begin, you’ll need:
- A Canadian bank account with a participating financial institution
- A debit card associated with your bank account
- A mobile device with a digital wallet
- An account with a mobile wallet service such as Apple Pay, Google Pay
What is an Interac Debit contactless payment? And how do I do it?
Whether it’s with your debit card, mobile phone or wearable device with a digital wallet, making a contactless payment helps you safely pay for goods and services in seconds. You can find step-by-step instructions here.
Before you begin to make a contactless payment with Interac Debit, you’ll need:
- A Canadian bank account with a participating financial institution
- A debit card associated with your bank account, or a debit card provisioned in the digital wallet of your mobile phone or wearable device
Are contactless payments safe?
Security is important to us. Chip-enabled Interac Debit and contactless enabled cards are extremely secure and protected from fraud tactics such as skimming, duplicating and electronic pickpocketing.
When you make a payment, the only data transmitted consists of payment transaction codes, not confidential details about your bank account. Transactions occur in real time, so no information can be captured by criminals to conduct fraudulent transactions or commit identity theft.
Can I use my Interac Debit card in the United States?
Thanks to our collaboration with NYCE Payments Network, cross-border payments with a Canadian debit card is possible at selected retailers when you’re in the U.S., giving you all the benefits and security of Interac Debit, including cashback.
What do I do if I lost my Interac Debit card?
Your financial institution issues your Interac Debit card. They’re your point of contact if you lose your card or lose access for any reason.
What do I do if I forgot my PIN?
Your financial institution issues your Interac Debit card. They’re your point of contact if you lose access for any reason.
Visit the full FAQ page here
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Legal
1 Currently available on select transit systems across Canada. Contact participating transit systems for details on using Interac Debit to pay fares.
2 Fees may apply — check with your financial institution
3 Additional fees may apply. Please contact your financial institution.
4 The Interac Zero-Liability Policy means cardholders are protected and will be reimbursed by their bank or credit union for fraudulent transactions beyond their reasonable control (provided they have taken appropriate precautions) and in accordance with the terms of their client agreement with their financial institution. Ask your bank or credit union for details.