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Frequently Asked Questions

Have questions? Easily browse answers by Interac® product.

Interac e-Transfer

  • What is Interac e-Transfer?

    Interac e-Transfer is a fast, secure and convenient way to send money to anyone in Canada using online banking. The participating bank or credit union transfers the funds using established and secure banking procedures. Transfers are almost instant, but can take up to 30 minutes depending on your bank or credit union.

    Visit our Interac e-Transfer page for step-by-step instructions on how it works.

  • Help, I sent money via an Interac e-Transfer and I need to speak with someone. Who do I contact?

    Please contact your bank or credit union to troubleshoot any transactions in progress. The contact information is usually on the back of your Interac debit card. You can also use this Interac e-Transfer form.

  • I’d like to use Interac e-Transfer for Business.

    Please visit our business page or FAQ for business for more info.

  • Is paying with Interac e-Transfer the same as paying by Interac Debit or Interac Online?

    No. While all three methods allow you to directly pay with funds from your own bank account, Interac e-Transfer electronically transfers money from your bank account to another one. Interac Debit and Interac Online uses a different method of payment.

  • How do I send money via Interac e-Transfer?

    Exact steps vary by individual bank or credit union, but the process will always be simple. Just log into your online bank account, navigate to the Interac e-Transfer section and follow the instructions.

  • How do I cancel an Interac e-Transfer transaction?

    To cancel a transfer, log into your online bank account. Go to the transaction or payment history and select the Interac e-Transfer transaction you wish to cancel. Use the cancel option provided. This process varies by financial institution, who may also charge a cancellation fee. Contact your bank or credit union for more information.

  • I need to cancel a transfer, but the recipient has already accepted the deposit. How do I reverse an Interac e-Transfer transaction?

    Unfortunately, once a deposit has been made there is no way to reverse the transaction. You’ll have to make arrangements directly with the recipient. You should only send money transfers to parties you know and trust. For most Interac e-Transfer uses (sending money to family and friends, repaying IOUs, sending money as gifts, etc.), you will know the recipient well. For uses where you may not know the recipient (e.g., online auction purchases), take the same precautions you would take when making cash purchases. For online auctions and purchases, be sure to read and follow any steps recommended by the operators of these websites to safely transact.

  • I received a notification that I’m being sent money via Interac e-Transfer. How do I deposit the funds?

    When someone sends you money via Interac e-Transfer, you will receive an email or text message that a transfer has been sent to you. The notification includes information such as:

    • Sender’s name
    • Transfer amount
    • 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 bank or credit union, 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. You will be prompted to enter the answer to a security question set by the sender, as part of the secure login process. Alternatively, Autodeposit is an Interac e-Transfer feature that allows users to register to have incoming Interac eTransfer funds deposited directly into their bank account – no security question and answer needed. Learn more about Interac e-Transfer enhanced features below.

  • How secure is it to send money by email or text message through Interac e-Transfer?

    You are not sending money by email or text message: Only the notification travels over the Internet 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 banks and credit unions 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 much does it cost to send money via Interac e-Transfer?

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

  • Are there limits on the amount I can send?

    Like most financial transactions, there are limits on the amount you can send. Each financial institution sets their own. Please contact your bank or credit union for details.

  • I received an Interac e-Transfer text message, but did not opt-in to this service. How do I stop receiving them?

    You received a text notification because the sender selected “text message” to send you money via Interac e-Transfer. We recommend you provide the sender with your email address instead for sending.

    To permanently stop all text notifications from Interac e-Transfer, reply to an Interac e-Transfer text with the message STOP (or text STOP to 100001). Please note: Once stopped, text message notifications cannot be reinstated for all transactions moving forward. Standard text messaging rates apply.

  • Can I respond to an Interac e-Transfer text message?

    Yes, you can either reply to the text message or send a message to 100001. There are two responses our system recognizes (standard text messaging charges apply):

    Type “Help” into the text message:

    This will result in a text message back to you with the URL for this website interac.ca. You will be instructed to click on the link or paste it into your browser.

    Type “Stop” into the text message:

    This will permanently stop all text message notifications from Interac e-Transfer. Once stopped, text message notifications cannot be re-instated.

  • Can I send money via Interac e-Transfer through this website?

    No. The only way you can send money with Interac e-Transfer is through a participating bank or credit union’s online banking system. This allows the financial institution to identify you and process the transfer instantly. Check to make sure your bank or credit union offers Interac e-Transfer. If so, you can sign up for online banking on their website or contact them directly for more details.

  • What happens if I send money via Interac e-Transfer to a landline number?

    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. If this is the case, you 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 make sure you have entered the correct mobile phone number each time you wish to send money via Interac e-Transfer. It’s possible you received the notification because:

    • The phone number entered is a land line.
    • You entered a non-Canadian mobile phone number.
    • The recipient has blocked Interac e-Transfer notifications from being sent to his/her mobile phone number.
    • The recipient is encountering technical issues on his/her mobile phone and therefore the message cannot be delivered (e.g., mobile network unavailable)
    • The Mobile Network Operator does not support all text messages
  • Can I accept an Interac e-Transfer without a Canadian bank account?

    If you have received an Interac e-Transfer and do not have an account with a participating Canadian bank, 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 money is automatically deposited into the sender’s account.

  • How much does it cost to receive money via Interac e-Transfer?

    There isn’t a fee to receive an Interac e-Transfer.

  • What can I do if I received money via Interac e-Transfer, but my bank doesn’t offer the service?

    If your bank or credit union doesn’t offer Interac e-Transfer, you cannot receive funds. Please contact your bank or financial institution for additional information.

  • What if I don’t want to accept the funds sent to me via Interac e-Transfer?

    Please note the experience will vary by participating financial institution. There are two options:

    1. You can simply ignore notifications until the transaction expires (30 days). Upon expiration, funds that were sent will automatically be redeposited into the sender’s account.

      You will have to take this option if your bank does not offer the option to decline in their system.
    2. If your bank or credit union does provide an option to decline, you follow these steps:
      • Click the deposit link found inside the email or text notification
      • 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 bank or credit union directly for more information.

  • What 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 Interac e-Transfer transaction will automatically cancel.

Request Money

  • What is Interac e-Transfer Request Money?

    Request Money is a feature that allows you to send a request for funds via the Interac e-Transfer system. To learn more about Interac e-Transfer, click here. Once the request is fulfilled and the funds are available in your account, you will be receive a notification via text or email. Click here for a list of participating banks and credit unions, and to learn more about the Interac e-Transfer Request Money feature. 

  • 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 here. Please note this experience will vary by participating financial institution.

  • How much does the Interac e-Transfer Request Money feature cost?

    There may be a fee from your bank or credit union for using Interac e-Transfer Request Money. Please contact your bank or credit union directly.

Autodeposit

  • What is Interac e-Transfer Autodeposit?

    Autodeposit is an Interac e-Transfer feature that allows users to register to have incoming Interac eTransfer funds deposited directly into their bank account – no security question and answer needed. Click here for a list of participating banks and credit unions, and to learn more about the Interac e-Transfer Autodeposit feature.

  • Is Interac e-Transfer Autodeposit secure?

    Yes. Autodeposit enjoys the same bank-grade security standard as Interac e-Transfer. Interac e-Transfer is one of the safest digital money transfer services in the world. When you send or request money via Interac e-Transfer, the funds are transferred through established and secure banking procedures that banks and credit unions have used for years. Money never travels by email or text – these are simply used to notify you about the transaction, as well as provide deposit instructions.

  • How do I register for Interac e-Transfer Autodeposit?

    The availability of the Autodeposit feature, along with the experience to register, will vary by financial institution. To register for Interac e-Transfer Autodeposit, log into your online or mobile banking account and go to your Interac e-Transfer profile settings. Once there, add the identifier (email address or text) you want associated with Interac e-Transfer Autodeposit and select the account into which you want funds deposited. You will receive a request to verify registration. The next time someone sends funds to the identifier registered, the money will be deposited directly into your account without the need to answer a security question.

    Check with your participating bank or credit union for further details.

  • I don’t see the ability to register for the Interac e-Transfer Autodeposit feature with my bank.

    Some financial institutions might not offer Interac e-Transfer Autodeposit. Check with your participating bank or credit union to confirm.

  • I am not receiving the Interac e-Transfer Autodeposit registration verification email.

    If you haven’t received the Autodeposit verification email, check your junk email folder. If you still can’t find the notification, you’ll have to re-register for the feature through your bank or credit union’s online banking or mobile banking application.

  • I have confirmed my Interac e-Transfer Autodeposit registration but it’s still not active.

    There may be temporary issues in activation. Once Interac e-Transfer Autodeposit is activated, we will notify you. Check with your participating bank or credit union for further details.

  • How many email addresses can I register for Interac e-Transfer Autodeposit?

    You can register multiple email addresses per account for Interac e-Transfer Autodeposit. However, once an email is registered, 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 bank or credit union for further details.

  • How can I change the email address for Interac e-Transfer Autodeposit?

    To update your email address, simply go back into your Interac e-Transfer settings to edit the email address. Exact experience will vary by financial institution. Check with your participating bank or credit union for further details.

  • How do I deactivate my Interac e-Transfer Autodeposit registration?

    To deactivate the Autodeposit feature, simply go back into your Interac e-Transfer settings and deactivate it. Exact experience will vary by financial institution. Check with your participating bank or credit union for further details.

Interac e-Transfer Security

  • What is email fraud, phishing or spearphishing, SEO poisoning, or SMS phishing?

    Phishing is a scam where fraudsters attempt to acquire personal and/or financial information like 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 notification you weren’t expecting that money has been sent via Interac eTransfer. Contact the sender to confirm. If you can’t confirm, please forward the notification to phishing@interac.ca immediately.

  • 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 these e-Transfer business scams work?

    In the typical scenario, the “employer” poses on job recruitment websites as a legitimate foreign company looking for an agent to represent them in Canada. The job is to accept payment from Canadian customers and transfer proceeds offshore. The employer indicates that a key qualification is to have access to an online bank account and receive Interac e-Transfer funds.

    Once the employee receives the funds, he or she is instructed to transfer the money via a wire transfer service. As compensation, the employee or “transfer agent” is paid a percentage of the funds. This is often a front for an illegal operation.

  • How can I tell if a job offer is part of a scam? The information looks very professional.

    You may receive employment agreements, websites and other types of official information. While these websites and employment agreements appear legitimate, often they are not.

    Please click here for tips on protecting yourself. And 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)

  • Tips to protect yourself.

    Please click here for tips on protecting yourself. And stay aware by checking the following sources of information about fraud:

    www.antifraudcentre-centreantifraud.ca
    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)

International Transfer by Mastercard and Interac

Interac Debit & Interac Flash

  • How do Interac Debit and Interac Flash transactions work?

    Interac Debit and Interac Flash transactions are approved by your bank or credit union through secure online systems in real-time. Transactions appear instantly on your bank account records, allowing you to monitor your available balance so you can keep track of your spending.

  • How secure is Interac Debit and Interac Flash?

    Security is important to us. Chip-enabled Interac Debit and Interac Flash 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. 

  • What safeguards are in place with Interac Debit and Interac Flash to protect me against fraudulent transactions?

    Interac Debit and Interac Flash are extremely secure forms of payment with sophisticated safeguards and fraud detection tools in place to protect you:

    • Interac debit cards use EMV secure chip processing to store and process data securely. This makes it next to impossible to create counterfeit cards and protects you against fraud tactics such as skimming, transaction replay and electronic pickpocketing.
    • When you use Interac Debit on your mobile device, you enjoy the same security features as your Interac debit card, as well as your device’s standard security measures such as passcode or biometric ID verification.
    • Transaction limits are set at $100 per transaction.  There is also added protection of a cumulative contactless limit set by individual banks or credit unions.  A cumulative limit is the maximum contactless spend limit that can be done by an individual Interac debit card before the user is promoted to reset the limit with a Chip and PIN transaction. This confirms that you are the authorized cardholder.

    You are also protected from any losses due to unauthorized transactions under the Interac Zero Liability Policy. If your card is lost or stolen, contact your bank or credit union right away.

  • What does “provided you took reasonable measures to protect your card and PIN” mean?

    While there are multiple safeguards in place, as an Interac debit cardholder, you also play an important role in protecting yourself from fraud:

    • Only you should use your Interac debit card or mobile device to make purchases.
    • Choose a PIN that’s difficult for others to guess, avoiding obvious numbers like your telephone number or birthdate, and don’t share it with anyone. 
    • Check your bank statements regularly and immediately report any unusual activity to your bank or credit union.
    • If your card is lost or stolen, contact your bank or credit union right away.

Apple Pay

  • What is Interac Debit on Apple Pay?

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

    Interac Debit for In-App & In-Browser payments is the easy, fast, and secure way for Canadians to pay directly from their bank account when shopping online using their mobile device. An in-app payment takes place within the merchant’s native mobile app. An in-browser payment takes place within a supported mobile browser (i.e Safari).

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

    Interac Debit cardholders with a debit card issued from participating financial institutions can use Interac Debit to pay with Apple Pay at merchants who accept Interac Flash contactless payments.

    For in-app and in-browser transactions, Interac debit cardholders with a debit card issued from participating financial institutions can pay on select merchant applications or mobile websites using Apple Pay. We are continuously working to onboard more issuers and merchants to support in-app and in-browser with Interac Debit.

  • Which cards and devices are eligible for Apple Pay?

    Interac debit cards issued by participating financial institutions are eligible to be added to Apple Pay. Please check with your financial institution for more details.

    For in-app and in-browser transactions, an Interac Debit card from a participating financial institution must first be provisioned to the Apple device (within the mobile wallet) before it can be used within a participating merchant application or mobile website. 

    To learn more about how to use Apple Pay or view a list of supported Apple devices (iPhone, iPad, Apple Watch, or Mac), 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.

    You can also use Interac Debit on Apple Pay for in-app and in-browser transactions to make a purchase within the mobile application or mobile website of select merchants who have integrated with Apple Pay. We are continuously working to onboard more issuers and merchants to support in-app and in-browser with Interac Debit.

  • How can I add my card to Apple Pay?

    For instructions on how to add an Interac Debit card to a mobile wallet, please visit the Interac Apple Pay page. For your debit card to be accepted as a method of payment, your financial institution needs to be a participating issuer.

    Note: To enable Interac Debit transactions in merchant apps or mobile websites, you will need to add your Interac Debit card to your Apple Pay wallet first.

  • 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 are not 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 on the back of your 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 Card. You may also be asked to call your bank who will activate your Interac debit card on Apple Pay on your behalf.

  • 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. Please check with your financial institution for more details.

    Note: your card must be added to each device separately.

  • How or where can I make purchases using my Apple Watch?

    You can make purchases using your Apple Watch both in-store and within an app. Please visit Apple’s page for detailed instructions: : https://support.apple.com/en-ca/guide/watch/apdbe9c11bba/watchos

  • Can I add my debit card to more than one Apple Watch?

    Yes, you can add your debit card to multiple devices, but your financial institution determines the device limit. 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, iPad or MacBook, 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 so that your real card number is not exposed to third parties.

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

    All transactions made using your Interac debit card in your mobile wallet will appear on your bank account statement and your mobile wallet’s transaction history.

  • 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, iPad or MacBook, 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, iPad or MacBook, 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 details 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, iPad or MacBook 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.

  • I’m having a problem with my device’s software or hardware. What should I do?

    If you are having difficulty with your software or hardware, please contact Apple.

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

    Your card number will never be 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. 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 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 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.

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

    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 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, iPad or MacBook, 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).

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

    Yes, you can make an in-store transaction even if there is no cellphone reception.  You will be unable to make an in-app purchase with no cellphone reception as the application will require either WiFi or cellphone data access.

  • 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 or in a mobile app/website. Interac Online is available within select merchant’s online checkout page, allowing you to pay through your online banking access.  For you more information on Interac Online, please visit https://www.interac.ca/en/consumers/products/interac-debit/e-commerce/#interac-online.

Google Pay

  • What is Interac with Google Pay?

    Interac Debit on Google Pay is an easy way to make payments using your eligible Android device.

    Interac Debit for In-App & In-Browser payments is the easy, fast, and secure way for Canadians to pay directly from their bank account when shopping online using their mobile device. An in-app payment takes place within the merchant’s native mobile app. An in-browser payment takes place within a supported mobile browser (i.e Chrome).

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

    Interac Debit cardholders with a debit card issued from participating financial institutions can use Interac Debit to pay with Google Pay at merchants who accept Interac Flash contactless payments.

    For in-app and in-browser transactions, Interac Debit cardholders with a debit card issued from participating financial institutions can pay on select merchant applications or mobile websites using Google Pay. We are continuously working to onboard more issuers and merchants to support in-app and in-browser with Interac Debit.

  • Which cards and devices are eligible for Google Pay?

    Interac debit cards issued by participating financial institutions are eligible to be added to Google Pay. Please check with your financial institution for more details.

    For in-app and in-browser transactions, an Interac debit cards from a participating financial institution must first be provisioned to the mobile device (within the mobile wallet) before it can be used within a participating merchant application or mobile website. 

    To learn more about how to use Google Pay or view a list of supported Android devices, please visit https://www.android.com/pay/.

  • How can I get Google Pay on my device?

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

  • When I try to add my debit card to Google 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 has not 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 Google Pay.

  • Where can I use Google Pay?

    You can use Interac Debit on Google 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.

    You can also use Interac Debit on Google Pay for in-app and in-browser transactions to make a purchase within the mobile application or mobile website of select merchants who have integrated with Interac and Google Pay. We are continuously working to onboard more issuers and merchants to support in-app and in-browser with Interac Debit.

  • How can I add my Interac Debit card to Google Pay?

    For instructions on how to add an Interac debit card to a mobile wallet, please visit the Interac Google Pay page. For your debit card to be accepted as a method of payment, your financial institution needs to be a participating issuer.

    Note: To enable Interac Debit transactions in merchant apps or mobile websites, you will need to add your Interac debit card to your Google Pay wallet first. This process takes place using the Google Pay app on your device.

  • 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 are not 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 Google Pay on your behalf.

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

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

  • Can I put multiple cards on my device?

    Yes.

  • Can I put my card on multiple devices?

    Your financial institution determines how many devices you can add your Interac debit card to. Please check with your financial institution for more details.

    Note: your card must be added to each device separately.

  • Can I add my card to a smartwatch?

    Yes. Please check Google to see which devices and versions are supported.

  • 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 the Google Pay application, select the card to remove, click “More”, and select “Remove”
    2. Using Android’s “Find your phone” service

    You can also contact your financial institution directly to suspend your card on your behalf.

  • 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 Google 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 Google Pay so that your real card number is not exposed to third parties.

  • How do I make purchases using Interac with Google Pay?

    For POS transactions, at checkout, unlock your Android device (if you wish to pay using a non-default card, you will need to open the Google Pay app and select the desired card instead) and simply hold the back near the contactless terminal . Your phone will beep or vibrate, and you will see a confirmation mark on the screen.

    For in-app or in-browser transactions, you will need to click ‘Google Pay’ at checkout, select your Interac debit card, click ‘Pay Now’, and provide your authentication to complete the purchase.

    Note: your financial institution must be supporting in-app with Interac Debit.

  • How will a Google Pay transactions appear on my bank statement?

    All transactions made using your Interac debit card in your mobile wallet will appear on your bank account statement and your mobile wallet’s transaction history.

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

    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). Depending on the merchant’s policy, you may need to use the contactless reader when instructed by the merchant. 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 “Google Pay” app on your device, select the card, and scroll down to see the ”Virtual Account Number”.

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

    You will receive transaction notifications for your Interac debit card on your phone letting you know about Interac debit purchases made with Google Pay. You can turn your notifications on or off by adjusting the settings within the Google Pay app.

  • I’m having a problem with my device’s software or hardware. What should I do?

    If you are having difficulty with your Google Pay software, please contact Google (google.com/google-pay). If you are having difficulty with your mobile device’s hardware, please contact your phone provider or manufacturer.

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

    When you add your Interac debit card to Google Pay, your account information is not shared with Google. To set up Interac Debit on Google 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 Google. If you have any additional questions about your device’s security features or how Google uses other information, please contact Google directly.

  • How secure is a Google Pay transaction?

    Your Interac debit card in Google Pay is protected by your mobile phone’s standard device unlock (ie. fingerprint, passcode, pin or pattern). For your security, all POS transactions require you to unlock your phone in order to authenticate your purchase. For in-app/in-browser transactions, you must provide your device unlock authentication for each successful 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 Google Pay?

    Interac Debit with Google Pay transaction information can be found when you select your Interac debit card within the Google Pay app.

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

    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 Google 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 the “Android Device Manager”
    • To turn on the location access from your device’s apps menu, open “Google Settings” and touch “Security”
    • Under “Android Device Manager”, move the switches next to “Remotely locate this device” and “Allow remote lock” and “Factory reset” to the “On” position
  • Can I make a transaction in an area where there is no cellphone reception?

    You can make an in-store transaction even if there is no cellphone reception.  You will be unable to make an in-app purchase with no cellphone reception as the application will require either WiFi or cellphone data access.

  • Is the Interac debit card in Google Pay different than Interac Online?
    • Interac Debit with Google Pay enables you to make purchases with your Android device when purchasing in-store with a contactless terminal.
    • An in-app or in-browser payment leverages your Interac debit card within your mobile wallet.  When you are ready to pay, the app or browser communicates with your mobile wallet, which tells it that your Interac debit card is provisioned in your wallet, so the payment can be authorized like it would be if making a mobile payment in-store/point of sale.
    • With IOP, the payment is authorized through online banking. The merchant redirects you to a gateway page where you select the financial institution they would like to pay from.  Interac then redirects your browser to your financial institution’s online banking site for authentication.”)
  • What is the difference between Interac Debit with Google 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.

  • Is there a fee associated with using Interac Debit with Google Pay?

    No. There is no fee associated with using Interac Debit with Google Pay itself. However, some merchants may charge a flat fee for debit transactions in general at the point-of-sale terminal.

  • Does Interac Debit on Google Pay use cellular data?

    When you add your Interac debit card to Google 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.

    Once your Interac debit card is added to your Google Pay Wallet, you do not need cellular data or a Wi-Fi connection to make a point-of-sale transaction, but you will require it for in-app/in-browser transactions to access the merchant app/website.

Samsung Pay

Interac Online

  • Help, I’m concerned about my Interac Online transaction.

    Please contact your bank or credit union to troubleshoot any transactions. The contact information is usually on the back of your Interac debit card.

  • I’m a business and I have inquiries about using Interac Online.

    Please visit our business page or FAQ for business for more info.

  • Is there a limit to how much I can spend via Interac Online?

    Please contact your participating bank or credit union to inquire about your limits.

  • How much does it cost to use Interac Online?

    Your Interac Online payment is handled by your bank or credit union, which would be the one to charge fees, if there are any. Contact your participating bank or credit union for further information.

  • What if I don’t have online banking?

    It’s easy to get access to online banking. Your bank or credit union can help you. Visit their website to sign up, or contact them directly for details.

  • Who do I call if something goes wrong when I use Interac Online?

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

    In a proven case of online fraud, you are protected by the Interac Zero Liability Policy, which ensures that your funds are returned to your bank account by your financial institution.

  • I’m not sure if my online payment was completed. How do I know?

    If you reach the confirmation screen and receive a confirmation number, your payment was completed. If you confirmed your payment in online banking, but did not get redirected to a confirmation page on the online retailer’s website, 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.
      If you receive a confirmation email or are able to view the transaction in your order history on the retailer’s website, this was likely the case.
    2. The online retailer was not able to receive your payment.
      If this was the case, your payment will be re-credited to your account within minutes.

    You can also contact the online retailer to confirm whether your order has been processed.

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

    This will vary according to the retailer’s policy. Always check the return/refund policy prior to making your purchase. Some online retailers will process a refund where 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 Interac Zero Liability Policy, which ensures that your bank or credit union returns funds to your bank account. We work with all stakeholders and security experts to maintain the ongoing security of our services, but there are actions it’s important for you to take as well. Regularly check your bank statements to verify that all transactions have been properly documented. If entries are not accurate – for example, there are missing or additional transactions – you should immediately contact your financial institution.

  • Where can I find Interac Online payment service providers?

    Interac Online Acquirers

  • 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 have a co-badged card. While your co-badged debit card enables you to use Interac Debit to access funds at ABMs and shop, it 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 absence of Interac Online functionality should be directed to your financial institution.

Interac Cash

  • What is Interac Cash?

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

    Interac has made accessing your account for cash withdrawals convenient with more than 70,0000 ABMs available across Canada, many of which are available 24 hours a day.

  • Help, I’m concerned about something that happened at an Automated Bank Machine (ABM).

    Please contact your bank or credit union to troubleshoot any ABM transactions. The contact information is usually on the back of your Interac debit card.

  • I’m a business and I have inquiries about using Interac Cash.

    Please visit our business page or FAQ for business for more info.

  • The Security of Interac Cash

    Interac Cash is safe and secure. This is ensured by your chip-enabled card and confidential Personal Identification Number (PIN). Adherence to strict Canadian and international security standards are required by all Interac Network Participants.

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

    It’s important to immediately report lost or stolen cards to your bank or credit union to avoid any possible liability.

  • How Interac Cash works

    Interac Cash allows you to withdraw cash from your account at an ABM. To begin a transaction, insert a valid Interac debit card into any ABM that displays the Interac logo and follow the prompts on the screen:

    • 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 for the cash withdrawal