Keep more of your money.
Accept Interac® Debit.
Every cent matters to your business. Take advantage of low fees, instant cash flow and zero chargebacks with Interac Debit.
How much could you save?
It's your money. Keep more of it.
How much could you save if more customers paid with Interac Debit?
Want to put more money back in your business? Use our calculator to see how much you could save on transaction fees annually if more customers chose Interac Debit.
With a small average sale amount, Interac Debit and credit can often have similar fees.
Cha-ching! Your growth just got a boost!
*The estimated savings amount generated by the calculator is for illustrative and general information purposes only, and is not intended to provide specific financial or other advice and should not be relied upon in that regard.
Real small businesses powered by Interac
From bustling storefronts to businesses on the move, see how real business owners are saving and thriving with Interac Debit.*
Accept Interac Debit, Your Way.
On-the-go payments
Free your business from fixed payment terminals and accept Interac Debit wherever your business takes you — from popups, to parts of your store that aren’t the cash desk, to your customers’ homes when you make deliveries.
- Accept payments on your phone: Accept payments directly on your smartphone without the need for additional hardware with Tap to Pay on iPhone or Tap to Pay on Android. Perfect for market stalls or mobile services.
- Portable card readers: Connect a compact reader to your smartphone or tablet, ideal for food trucks, delivery services or onsite client payments, or when you need to accept a Chip and PIN payment.
Online payments
(In-App or In-Browser)
Bring the benefits of Interac Debit to your website or mobile app, offering a seamless and trusted online checkout.
- Digital wallets (Apple Pay / Google Pay):2 Offer your customers the convenience of paying quickly using their digital wallets, bypassing manual entry of shipping and payment details.
In-store payments
Accept payments through your existing or new point-of-sale terminal using Contactless (tap) technology or Interac Debit Chip and PIN. (And don’t forget we also have solutions so you can take Interac Debit on the go — including elsewhere in your store.) Interac Debit offers customers a trusted way to pay in store, including:
- Contactless (Tap): Speed up checkouts. Customers simply tap their debit card, mobile phone or wearable device for transactions, often for amounts up to $250.
- Chip and PIN: Customers insert their card and enter their PIN, providing robust security and high transaction limits.
Ready to Accept Interac Debit?
Find an acquirer
To accept Interac Debit, you’ll first need to find an acquirer company — in other words, a payment processor so you can accept payments online, in store, or on the go. If you’re a small business in Canada looking for a merchant account, use our tool to find a payment processor that works for your business.
Click all that apply:
There are no available acquirers that cover all of your selections.
FAQs
I’m starting a small, one-person business. Is Interac Debit just for bigger businesses or does it make sense for me to use it to accept payments too?
With its low transaction fees and easy setup, Interac Debit is a payment type that is suitable for all businesses in Canada, no matter the size.
What is an acquirer?
An acquirer is a service provider that offers Interac Debit terminals and service to businesses. Please visit our Interac Debit for Business page for a list of participating acquirers.
What is Tap to Pay on iPhone and how can I set it up?
Tap to Pay on iPhone enables businesses of any size to accept all types of in-person contactless payments right on an iPhone—from physical debit and credit cards to Apple Pay and other digital wallets—no extra terminals or hardware needed.
Businesses can enable Tap to Pay on iPhone by downloading and signing up with a supported payment app. For a step-by-step guide, visit our How to Use Tap to Pay on iPhone page.
Tap to Pay on iPhone is supported by a number of payment apps in Canada. See the full list here.
Can I use Tap to Pay on iPhone to accept transactions of any amount?
For contactless payments, transaction limits are set and will vary based on the financial institution but are typically set to $250.
What is Tap to Pay on Android and how can I set it up?
Tap to Pay on Android enables businesses of any size to accept all types of in-person contactless payments right on compatible Android phones and tablets* — from physical debit and credit cards to Google Pay and other digital wallets — with no extra terminals or hardware needed.
Businesses can enable Tap to Pay on Android by downloading and signing up with a supported payment app. For a step-by-step guide, visit our How to Use Tap to Pay on Android page.
Tap to Pay on Android is supported by the Square payment app in Canada.
What is the transaction amount limit when using Tap to Pay on Android?
Tap to Pay on Android can only be accepted to the tap limit set by the cardholder’s financial institution, which is typically set to $250. Transactions above the tap limit are not supported with Tap to Pay on Android, and you and your customer will be prompted to use an alternate payment method like manual card entry.
Are the fees for contactless the same as for Chip and PIN payments?
The fees are set by your chosen acquirer, which includes the fees for Interac services. For more information, please ask your acquirer for pricing or visit our Understanding Fees page.
I’m having trouble with my terminal.
For any troubleshooting and support, please contact your acquirer.
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*The businesses featured got a little thank-you to share their experiences.
*Most Android devices that run on Android 9 or a later OS and have NFC capabilities will be compatible with Tap to Pay on Android. In Canada, Tap to Pay on Android is compatible with contactless credit cards from Visa, Mastercard, American Express and Discover, plus debit cards, Apple Pay, Google Pay and other digital wallets.
2https://chamber.ca/unveiling-the-portrait-of-small-businesses-in-canada-insights-and-challenges/