Our ongoing focus on keeping Interac debit card fraud at record lows has seen strong results.Learn More
The Interac Zero Liability Policy*
Check out with confidence knowing you’re covered
Check your statements regularly to watch for any unusual activity. If fraud has occurred, there are processes in place to get your money back:
- Contact your financial institution immediately
- Your financial institution will begin an investigation
- If fraud is found to have occurred, your funds will be returned to you by your financial institution.
These are the Interac products that are covered under the policy.
- Interac Debit
- Interac® Cash
- Interac Flash®
- Interac® Debit on Mobile
- Interac® Debit for In-App and In-Browser Payments
- Interac® Online
- Cross-Border Debit
Your financial institution is responsible for reimbursing any losses resulting from circumstances beyond your reasonable control. See your bank or credit union client agreements for the specific terms.
Codes of conduct for businesses
The Canadian Code of Practice for Consumer Debit Card Services is embedded in the Interac rule framework. Businesses that offer Interac Online must comply with the Canadian Code of Practice for Consumer Protection in Electronic Commerce, which establishes benchmarks for good business practices for online merchants.
Proof of our commitment to security
*The Interac Zero Liability Policy is applicable to Interac Debit, Interac® Cash, Interac Flash®, Interac® Debit on Mobile, Interac® Debit for In-App and In-Browser Payments, Interac® Online and Cross-Border Debit.