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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.

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  • 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.

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

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

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  • Is paying with Interac e-Transfer the same as paying by Interac Debit or Interac Debit for online payments?

    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 Debit for online payments uses a different method of payment.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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

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  • 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.

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  • How much does it cost to receive 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.

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  • 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.

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  • 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.

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  • 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.

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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 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. 

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  • 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.

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  • 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.

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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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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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.

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  • 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.

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  • 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.

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  • 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.

    Click here to learn more about frauds and scams. To report fraud click here.

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  • Tips to protect yourself.

    Click here to learn more about frauds and scams. To report fraud click here.

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International Transfer by Mastercard and Interac

  • What is International Transfer by Mastercard® and Interac®?

    International Transfer by Mastercard and Interac is a safe, fast and cost-effective way for Canadians to send money internationally from any bank account in Canada to bank accounts worldwide.

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  • Which countries can I send money to?

    You can send money to more than 75* countries worldwide from your Canadian bank account.

    *Will vary by financial institution.  For current list of countries, please contact your financial institution.

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  • How do I send an International Transfer by Mastercard and Interac?

    You can send money internationally in for easy steps:

    1. Log In: Log in to online or mobile banking.
    2. Select “Send Money” > International: Select the recipient’s destination and banking information.
    3. Request Processing: Your request is sent to the recipient and the will receive a notification via email when the funds have been sent.
    4. Request Fulfilled: Funds are directly sent to the recipient’s bank account.

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  • What is an IBAN number?

    An IBAN number is an International Bank Account Number and it is required in order to send/receive money with International Transfer by Mastercard and Interac.

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  • Is there a fee and limit for International Transfer by Mastercard and Interac?

    Please contact your financial institution for information for details.

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  • What is the foreign exchange rate that will be charged?

    The currency exchange rates that apply are the current daily rate posted by your financial institution. When initiating the transfer, you know what to expect before sending, with no hidden fees or exchange rate adjustments mid-transfer. The amount you see is the amount you send, all built in one number with zero surprises.

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  • How long will it take for the funds to arrive?

    Most transfers reach their destination within 1–2 business days.  Once the transfer has been successfully sent, the confirmation will display ETA delivery timeframes.

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  • How do I know that my funds will arrive safely into my recipient’s bank account?

    You will receive a notification via email when the funds have been sent and the recipient will receive an email notifying them of the transfer.

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  • How can I ensure that my personal information and my recipient’s information will be secure?

    When sending money using International Transfer by Mastercard and Interac, you can rely on the trusted, secure technology from Mastercard and Interac.  Your transaction is well protected from start to finish.

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  • Do I need a Mastercard card to send an International Transfer by Mastercard and Interac?

    In order to send money internationally using International Transfer by Mastercard and Interac, you do not need a Mastercard card.  All you need is a bank account with a participating financial institution.  (Currently National Bank only, include list of FIs at launch)

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  • When do funds leave my bank account?

    The funds leave your bank account immediately upon confirmation of the transfer.

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  • How does International Transfer differ from Interac e-Transfer?

    When you make an International transfer, your experience is familiar as you are able to access the service using your online banking the difference is that you would select “Send Money > International” when performing a transfer. 

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  • What channels can you use to send an International Transfer by Mastercard and Interac?

    You can access the service by using the online or mobile website for your participating financial institution.  

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  • Can I set up recurring payments with International Transfer by Mastercard and Interac?

    Not at this time. 

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  • Can I receive money to my bank account with International Transfer by Mastercard and Interac?

    International Transfer by Mastercard and Interac provides the ability to send money to an international bank account from your Canadian bank account, therefore as a Canadian resident, you are not able to receive funds to your account.

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  • Can I cancel an International Transfer by Mastercard and Interac?

    The timeframe to cancel will vary based on the financial institution’s internal processes. If you need to cancel an International Transfer, please contact your financial institution. 

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  • I’m unsure about using International Transfer by Mastercard and Interac to pay someone I don’t know. What should I do?

    Always be careful when sending money online.  Like using cash, you should send money transfers only to parties you know and trust, for example, sending money to family and friends back home, repaying IOUs, sending monetary gifts, etc. For uses where you may not know the recipient well, take the precautions you would normally take when making cash purchases.

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  • I sent money using International Transfer to someone and they did not receive it. What do I do?

    If the estimated time of delivery has passed and the recipient has not received the funds, please contact your financial institution. 

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  • What do I do if something goes wrong with my International Transfer (e.g.: Error Message)?

    Please contact your financial institution if you require assistance with the service. 

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Interac Debit Chip and PIN & Contactless Payments

  • How do Interac Debit Chip and PIN and contactless payment transactions work?

    Interac Debit Chip and PIN and contactless 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.

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  • How secure are Interac Debit and contactless payments?

    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.

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  • What safeguards are in place with Interac Debit Chip and PIN and contactless payments to protect me against fraudulent transactions?

    Interac Debit Chip and PIN and contactless payments are extremely secure 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 up to $250 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.

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  • 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.

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Transit Open Payments

  • What are Transit Open Payments?

    Transit Open Payments or open payment fare systems provide the ability for transit riders to tap a payment card or a mobile wallet at fare readers without the need to use a transit fare card or transit app to pay for their fare. Interac is enabling the ability for a debit card or mobile wallet supported by Interac® Debit to be used for this purpose.

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  • Where can I use Interac Debit for Transit Open Payments?

    The ability to pay for transit directly via Interac Debit is currently available by Metrolinx on the UP Express in Toronto. This payment method will be rolled out in phases including additional transit authorities across Canada.

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  • Are Transit Open Payments going to be available with all transit authorities in all cities in Canada?

    While many large cities internationally have implemented support for Transit Open Payments, implementation plans are based on transit authorities, municipalities and government agencies. Interac is involved in discussions with a number of transit authorities across Canada that have expressed interest in implementing Transit Open Payments.

    To learn more about Transit Open Payments availability in your area, please reach out to your local transit authority. 

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  • If I currently have a transit authority payment card (such as a PRESTO card), will this payment method replace transit fare cards?

    It is at the discretion of the transit authority (and/or the municipalities served or associated government agencies) to determine payment options available to transit system users. Please reach out to your transit authority for more information.

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  • Who do I contact if I have a problem with a payment made using Interac Debit on a fare reader?

    You can contact the transit authority directly with questions about payments made on transit using Interac Debit.

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  • How do I pay my fare using Interac Debit at participating transit locations?

    To pay your fare, you simply tap your payment credential (e.g. debit card or mobile wallet) on the transit fare reader and enter the transit system.

    Transit authorities may deploy a fixed fare or variable fare (e.g. based on distance travelled or time) payment model. Under each payment model, customer rules around tapping upon entry of transit system or transferring vary across transit authorities. Please contact your local transit authority for information. The transit authority will automatically calculate the fare and process it through your financial institution, normally the same day or by the next day.

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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 eCommerce payments are 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).

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  • 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 contactless payments.

    For eCommerce transactions through Interac Debit with Apple Pay, 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 through Interac Debit with Apple Pay.

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  • 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.

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  • 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 contactless symbol at checkout.

    You can also use Interac Debit on Apple Pay for eCommerce 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 Interac Debit with Apple Pay.

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  • 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.

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  • 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.

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  • Does my Interac Debit card need to be contactless enabled to use it on Apple Pay?

    No, you do not need a contactless enabled Interac debit card to use Apple Pay. However, your financial institution determines if your Interac debit card can be added.

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  • Can I put multiple cards on my device?

    Yes. At this time, Apple allows up to eight cards on a device.

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  • 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.

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  • 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

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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).

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  • 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.

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  • Is the Interac debit card in Apple Pay different than Interac Debit for online payments?

    Yes. The 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 Debit for online payments is available within select merchant’s online checkout page, allowing you to pay through your online banking access.  For you more information on Interac Debit for online payments, please visit https://www.interac.ca/en/consumers/products/interac-debit/e-commerce/#interac-online.

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Google Pay

  • What is Interac Debit on Google Pay?

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

    Interac Debit eCommerce payments are 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).

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  • 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 contactless payments.

    For Interac Debit with Google Pay 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 Interac Debit with Google Pay.

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  • 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 Interac Debit with Google Pay 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/.

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  • 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.

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  • 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.

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  • 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 contactless logo or the contactless symbol at checkout.

    You can also use Interac Debit with Google Pay 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 Interac Debit with Google Pay.

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  • 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.

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  • 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.

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

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

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  • Can I put multiple cards on my device?

    Yes.

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  • 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.

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  • Can I add my card to a smartwatch?

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

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  • 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.

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  • 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.

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  • How do I make purchases using Interac Debit 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 Interac Debit with Google Pay 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 Interac Debit with Google Pay.

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  • 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.

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  • 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”.

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  • 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.

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  • 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.

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  • 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.

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  • 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 Interac Debit with Google Pay 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.

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  • 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.

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  • 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.

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  • 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

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  • 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.

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  • Is the Interac debit card in Google Pay different than Interac Debit for online payments?
    • 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 online payments, 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.”)

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  • What is the difference between Interac Debit with Google Pay and Interac Debit 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.

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  • 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.

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  • 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.

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Samsung Pay

  • What is Interac Debit on Samsung Pay?

    Interac Debit on Samsung Pay is an easy way for consumers with Interac debit cards issued by participating financial institutions to make fast and secure mobile contactless payments using Samsung Pay.

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

    Canadian Interac debit cardholders can now use an eligible debit card from their participating financial institutions with Samsung Pay to pay at stores that accept contactless payments.

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  • Which cards and devices are eligible for Samsung Pay?

    At this time, Interac debit cards issued by Canadian participating financial institutions are eligible to be added to Samsung Pay. Please check with your financial institution for more details.

    Samsung Pay works on most Samsung NFC-capable devices, click here for a list of the supported devices and software requirements. NFC-capable devices enable you to make purchases at merchants who displays the contactless symbol at checkout.

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  • How can I get Samsung Pay on my device?

    You can get the Samsung Pay app by downloading it from Samsung Galaxy Apps.

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  • Where can I use Samsung Pay?

    You can use Interac Debit on Samsung Pay to make payments in stores with supported terminals wherever contactless payments are accepted.

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  • How can I add my Interac debit card to Samsung Pay?

    Add an eligible participating financial institution’s Interac debit card to Samsung Pay by opening the Samsung Pay app on your eligible device and signing into your Samsung Account. Enter a pin, so you can authenticate future purchases.

    Next, use your device camera to recognize your Interac debit card or enter the card details manually. Then, enter any additional information as required. For security reasons, a verification step may be needed to enable your virtual card.

    If you have a co-badged card (Interac logo and another payment brand’s debit logo on front of bank card), you will need to enter your Security Code (CVV) and accept your financial institution’s Terms of Use for Samsung Pay when you add the card to Samsung Pay.

    You may also be subject to your financial institution’s or Samsung’s own terms & conditions.

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  • 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 if available.

    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 aren’t 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 of the back of your Interac debit card or using your financial institutions 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 Samsung Pay.

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  • Does my Interac debit card need to be contactless enabled to use it on Samsung Pay?

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

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  • Can I add multiple cards on my device?

    Yes

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  • Can I add my card on multiple devices?

    Your financial institution determines how many devices you can add your Interac debit card to. Please note that your card must be added to each device separately.

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  • Once I add my card, how can I remove cards from my device?

    There are three options to remove your card from your device:.

    1. From within Samsung Pay, select the card you want removed and select “delete card”.
    2. Using Samsung’s “Find My Mobile“, you can remotely lock or erase Samsung Pay (removing all the payment cards registered on your device).
    3. You can also contact your Issuer directly to remove or suspend your card.

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  • What is a Virtual Card Number and how is it different from my card account number?

    For your security, when you add Interac Debit to Samsung Pay, a Virtual 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 virtual card number is used to make purchases with your card using Samsung Pay.

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  • How do I make purchases using Interac Debit on Samsung Pay?

    At checkout, swipe-up from the home button or open the Samsung Pay app from the home screen. Select the card by swiping left or right and then use your fingerprint, Iris or 4-digit PIN for authentication. Hold the back of your Samsung device near the contactless terminal.

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  • How will Samsung Pay transactions appear on my bank statement?

    Interac Debit transactions with Samsung Pay will appear the same as any contactless payments do today.

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

    Depending on the store’s policy, you may need to use the contactless reader when instructed by the merchant. When using your mobile device, the merchant will not recognize your physical card but will access the associated Virtual Card Number to credit your return. 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).

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

    You will receive transaction notifications on your device pertaining to successful transactions made using Interac Debit on Samsung Pay. You can turn your notifications on or off by adjusting the settings within Samsung Pay.

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  • 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 Samsung Pay.

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

    To help provide the best Interac Debit on Samsung Pay experience, certain account information will be displayed on your device but not your full account information. We will never share your card number with Samsung. If you have any additional questions about your device’s security features, please contact Samsung directly.

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  • How secure is a Samsung Pay transaction?

    Your Interac debit card in Samsung Pay is protected by Samsung’s device unlock – fingerprint, iris or PIN. For your security, all transactions will require you to unlock your phone in order to authenticate your 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.

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  • Are the transactions listed anywhere for my card in Samsung Pay?

    Interac Debit on Samsung Pay transaction information can be found when you select your Interac debit card within Samsung Pay.

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

    Yes. Newly issued cards will need to be added to Samsung Pay.

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  • My device is lost or was stolen and I want to delete my card. What should I do?

    If you believe your device or Samsung 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.

    You can also use Samsung’s “Find My Mobile” to remove or lock the Interac debit cards added to Samsung Pay.

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

    Yes. You are able to make a limited number of transactions if you do not have internet connectivity.

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  • Is the Interac debit card in Samsung Pay different than Interac Debit for online payments?

    Yes. The Interac debit card in Samsung Pay enables you to make purchases with your device when purchasing in-store with a contactless terminal. Interac Debit for online payments is available within select merchant’s online checkout page, allowing you to pay by Interac Debit.

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  • What is the difference between Interac Debit on Samsung Pay and Interac within my financial institution’s mobile wallet using my Samsung device?

    Both allow you to make Interac Debit transactions safely and securely however and whenever you choose.

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

    No. Interac Debit on Samsung Pay is the same as a contactless payment transaction. Please check with your financial institution.

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Interac Debit for Online Payments

  • Help, I’m concerned about my Interac Debit for 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.

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

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

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  • 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.

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  • How much does it cost to use Interac online payments?

    Your Interac Debit for online payments are 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.

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  • 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.

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

    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 Debit for online payments (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.

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  • 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.

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  • 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.

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  • 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.

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  • Where can I find Interac Online payment service providers?

    Interac Online Acquirers

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  • Why doesn’t my co-badged card work with Interac online payments?

    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 Debit for online payments. This was a decision made by your financial institution. As such, inquiries about the absence of Interac Debit for online payments functionality should be directed to your financial institution.

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Interac Debit ABM Withdrawals

  • What are ABM withdrawals?

    ABM withdrawals are 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.

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  • 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.

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  • I’m a business and I have inquiries about using ABM withdrawals.

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

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  • The Security of ABM withdrawals

    ABM withdrawals 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.

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  • How ABM withdrawals works?

    ABM withdrawals allow 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

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Interac sign-in service

  • What is Interac® sign-in service?

    The Interac® sign-in service is a convenient way to access online services – instead of creating and managing a new username and password for accessing online services, you access them by signing in with your online bank, or other participating “Sign-In Partner”.

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  • What is the difference between Government Sign-In by Verified.Me and Interac® sign-in service?

    Government Sign-In by Verified.Me is now Interac® sign-in service. For you, nothing changes. You can continue to rely on the same secure sign in service with the financial institution that you have used for many years.

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  • Who can use this service?

    Anyone who uses the online services offered by one or more of our Sign-In Partners can benefit from the service.

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  • Glossary of common terms
    • Credentials: Typically, this is your username/password combination that you would use to sign in, to access services.
    • Sign-In Partner: an organization that has partnered with Interac Corp. and its subsidiaries to offer you the Interac sign- in service. Sign-In Partners may include financial institutions amongst others.
    • Financial Institution: Commonly referred to as your bank. Financial institutions also represent credit unions, and other banking institutions.

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  • Can I change Sign-In Partners?

    Yes, you can change your Sign-In Partner at any time. However, some government services require you to complete identity proofing questions when you use a new Sign-In Partner.

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  • How do I use the Interac sign-in service to sign in to participating government services websites?

    When visiting a government services website that offers the Interac sign-in service, you will see the option to sign in using one of the Sign-In Partners listed.

    Note: The first time you use Interac sign-in service to sign into a government service, you will be asked to either accept or decline the Terms and Conditions of Use and the Privacy Notice. Once you accept the Terms and Conditions of Use and the Privacy Notice, you will be directed to the government services website.

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  •  Is there a way to change Sign-In Partners without having to re-enroll in the government service?

    Yes. By using the “Switch My Sign-In Partner” link, you will be guided through the process of switching from one Sign-In Partner to another.

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  • Can I access multiple government services with one Sign-In Partner?

    Yes, you can use the same Sign-In Partner to access any number of government services that offer the option of using the Interac® sign-in service.

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  • Can I use different Sign-In Partners for different government services?

    Yes, you can use multiple Sign-In Partners.

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  • Can I use the Interac® sign-in service if I already have an existing government service-issued username and password?

    Yes. Using the Interac® sign-in service means that you don’t have to remember or manage a variety of usernames and passwords as your “login credentials.” Simply use the username and password that you frequently use to log in to your chosen Sign-In Partner.

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  • How do I get an online banking (financial institution) username and password to use with this participating services site?

    First, you need to register with your financial institution for online banking. Once you’re registered, you can start using your personal bank log-in and password to access secure service sites. 

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  • What if I don’t deal with any of the Sign-In Partners listed?

    If you don’t currently use any of the Sign-In Partners listed, you will need to return to the government site and use an alternative government credential. The list of Sign-In Partners supported will grow with time, so please check back soon.

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  • What if I cancel my Sign-In Partner’s online banking service?

    If you cancel your online access privileges with your bank, you will no longer be able to access the online government site using your cancelled username and password. Only active online banking usernames and passwords can be used to access this service. You can choose to switch your Sign-In Partner or use any existing login options offered by the participating government services website.

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  • Do I have to use the Interac® sign-in service to access participating government services sites?

    No. You are neither required nor obligated to use this service. You can still use any existing login options offered by the participating government services website.

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  • Does the Interac® sign-in service support business accounts when signing into government services online?

    Interac® sign-in service does not support sign-in for business accounts to sign-in to government services at this time.

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  • Does the Interac® sign-in service support joint accounts when signing into government services online?

    Interac® sign-in service does not support sign-in for joint accounts to sign-in to government services at this time.

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  • I forgot my Sign-In Partner’s username and/or Password. What should I do?

    Contact your Sign-In Partner for assistance.

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  • What if I change the username and password for my Sign-In Partner?

    If you change your login information, then you must use this new login information to access the online government sites.

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  • My Sign-In Partner knows who I am so why do I still have to provide my basic identity information to enroll in the service?

    The Sign-In Partner does not provide any identity information to the Government and simply validates your username or card number and password.

    Each department and agency has a unique registration process. If this is your first time accessing the participating online government services using a Sign-In Partner, you must identify yourself by providing some personal information.

    The same applies to any other participating services.

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  • How does the Interac® sign-in service protect my information?

    The Interac® sign-in service acts as an information filter between the online service and Sign-In Partners. By brokering the connection, the Interac® sign-in service ensures that no government service knows which Sign-In Partner you are using, and that no Sign-In Partner knows which government service you are accessing.

    The only information your Sign-In Partner supplies to the Interac® sign-in service is a randomly generated number created on your first use of the system and returned to the Interac® sign-in service with each subsequent use of the system. No passwords or personally identifiable information (i.e.: name, address, date of birth, etc.) are exchanged during this process. For more details about how the Interac® sign-in service uses your information, please refer to our Privacy Notice.

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Interac verification service

  • How do I update personal information in the app?

    Your information resides with your trusted Connections and the trusted service providers with which you have chosen to share it.  To update your personal information, please contact the participating organization that holds your information, such as your financial institution.

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  • What is required for setting up my Interac verification service account and what information do I need?
  • How do I close my Interac verification service account or unregister?

    If you delete your Interac verification service account you will no longer be able to log in, access Connections or view your transaction history. Deleting your Interac verification service account does not impact your personal information at any of your Connections or the places you have shared it with through the Interac verification service.

    If you wish to use the Interac verification service again in the future, you will need to complete the Interac verification service registration process and re-establish your Connections.

    In the mobile app:

    To delete your Interac verification service account

    1. Open the Interac verification service app.
    2. Authenticate yourself using your online and mobile banking credentials with the financial institution you used when enrolling in the Interac verification service  
    3. Once you have successfully logged into Interac verification service, tap on “Settings” at the bottom of the Home screen.
    4. On the Settings screen, tap “Delete Interac verification service account.”
    5. The Interacverification service app will display the consequences of deleting your account. Tap “Delete Interac Verification Account” to continue.
    6. You will be prompted to confirm your decision. Tap “Delete.”
    7. For your protection, you’ll be asked to re-authenticate yourself using your online and mobile banking credentials with your financial institution. Tap “Go to [financial institution’s Name].”
    8. Following successful authentication, Interac verification service will process and complete the deletion of your Interac verification service account.
    9. Once the process has been completed, Interac verification service will display a message informing you that your account has been successfully deleted.

    With the browser-based version of Interac verification service:

    To delete your Interac verification service account:

    1. A message will display, informing you that you are about to delete your Interac verification service account and explaining what this action entails.
    2. If you wish to proceed with account deletion, click on the red “Delete Interac verification service account” button at the bottom of the message.
    3. After clicking the “Delete Interac verification service account” button, a pop-up message will appear, asking you to confirm your decision. If you wish to proceed, click on “Delete”.
    4. After confirming that you wish to delete your Interac verification service account, you will be asked to authenticate with your financial institution to complete the action. At this point, the logos of the participating financial institutions will be displayed. Click on the logo of the financial institution with which you have set up your Interac verification service account to continue.
    5. After selecting your financial institution, you will be redirected to their website to authenticate with them.
    6. Following successful authentication, a message will appear, confirming that you have successfully deleted your Interac verification service account.

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  • Which financial institutions can I select to enrol in the Interac verification service?

    You must have an active and eligible online bank account with one of the following financial institutions: BMO, CIBC, Desjardins, RBC, Scotiabank and TD, to enroll in and use the Interac verification service.

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  • What is the Interac verification service?

    The Interac verification service helps you verify your identity quickly and securely from your computer or mobile device. The service allows you to access digital services by establishing a connection with your financial institution using your existing login information. You will be asked for your consent before any personal information is share. 

    You can use this service if you have an account with any of the participating financial institutions.

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  • Why use the Interac verification service?

    Using Interac verification service allows you to quickly verify your identity in a convenient, secure and private way without the need to verify in-person. You use the personal information that you have already consented to and provided to your financial institution to verify your identity.

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  • How does the Interac verification service help me?
    1. Save time.
      No need to compile documents or go in-person to register for services or products. With the Interac verification service, you can use personal information you have already provided to other trusted Connections, like your financial institution, to quickly get access to digital services and products you need.
    2. Secure and private.
      The Interac verification service uses strong security protocols to protect personal information from being identified, accessed or misused. The Interac verification service has no access to the credentials you use to log in to your financial institution.
    3. Reduce oversharing information about yourself.
      Conveniently manage where, when and why your information is shared through the Interac verification service — only ever with the participating service providers you choose.
    4. Helps you stay in control of your personal information.
      You’ll be asked to provide consent for every transaction.
    5. It’s free.
      You don’t have to pay for downloading or using the Interac verification service. *Data rates may apply.

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  • Does it cost me anything?

    No, the Interac verification service is available for eligible users in Canada free of charge. You do not have to pay to use the Interac verification service*.

    *Data rates may apply.

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  • Which financial institutions participate in the Interac verification service network?

    BMO, CIBC, Desjardins, RBC, Scotiabank and TD are participants in the Interac verification service network. You must have an active and eligible online bank account with one of these financial institutions to use the Interac verification service.

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  • What if I do not wish to use the Interac verification service to verify my identity, is that still possible?

    The Interac verification service operates alongside traditional methods of authentication to give Canadians choice in how they participate in the digital economy. If you do not wish to verify your identity with the Interac verification service, please contact the requesting organization to inquire about completing the necessary registration process in-person.

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  • If I have more questions or concerns about the Interac verification service, who do I contact?

    If you have any questions or concerns, please visit https://www.interac.ca/en/verification-service/

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  • How do I provide feedback on the service?

    You can send any feedback about the Interac verification service to feedback@interac.ca.

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  • How do I register for the Interac verification service?

    To create an Interac verification service account profile via the mobile app:

    1. Download the free* Interac verification service app from the App Store (iOS) or Google Play (Android).
    2. Once the app is installed, tap on the Interac verification service icon to open it.
    3. Tap “Sign Up” and follow the instructions to complete the registration process.

    *Data rates may apply.

    To create an Interac verification service account for web-based use (where available), simply click on the “Interac verification service ” button (if applicable to partner website) and follow the instructions to complete the registration process.

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  • When registering, why am I asked to select a financial institution?

    To complete your enrolment and begin using the Interac verification service, you’ll need to have an active and eligible online bank account with a participating financial institution.

    Once you have signed in, you will be presented with the types of personal information your financial institution will make available for you to share through the Interac verification service with your consent. You will have an opportunity to confirm the accuracy of the information and that you want to use this information in association with your Interac verification service account.

    After creating an account profile, each time you use the Interac verification service, you will be asked to authenticate yourself using your online or mobile banking credentials with the financial institution you’ve selected. 

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  • What do I need to sign up and use the Interac verification service?

    To sign up with Interac verification service mobile app, you’ll need a mobile device running iOS (12+) or Android (6+) and an eligible account with one of the following financial institutions: BMO, CIBC, Desjardins, RBC, Scotiabank or TD. An eligible account means that you have an active deposit account (i.e. chequing/savings), credit card or loan account, and you are registered for online banking. Please note, eligible accounts may vary by financial institution.

    You must have an active and eligible online bank account with one of the following financial institutions: BMO, CIBC, Desjardins, RBC, Scotiabank and TD, to enroll in and use the Interac verification service.

    Other financial institutions not listed will be added in the future.

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  • What is a trusted Connection?

    Your trusted Connections have personal information about you through existing products and services you have with them (such as your financial institution). Once you’ve connected with them through the Interac verification service, you can authorize Interac to share the information they are requesting to help you access a new service or product offering.

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  • How do I sign into my Interac verification service account?

    To access your Interac verification service account in the mobile app:

    1. Launch the Interac verification service app.
    2. Tap “Take Me to [your financial institution]”.
    3. Authenticate with your financial institution.
    4. After successful authentication, the Interac verification app home screen will be displayed.

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  • How do I add a trusted Connection to my Interac verification service account within the app?

    To add a Connection:

    1. Look for “My Connections” on the Home screen or tap on “Me” at the bottom of the screen.
    2. On the “Me” screen, tap on the plus (+) sign or “Add Connections” to add a new Connection.
    3. The Interac verification service will display a list of available network participants that you can connect with and add to your Interac verification service account. Select one by tapping on the plus (+) sign near to the service.
    4. Complete any additional steps, as prompted.

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  • How do I remove personal information in the app?

    Your information resides with your trusted Connections and with the trusted service providers with which you have chosen to share it. If you want to disconnect certain information from your Interac verification service account, you can remove the Connection that holds that information from your profile.

    OR

    To stop using the Interac verification service entirely, you can delete your Interac verification service account view.

    To delete a Connection:

    1. Open the Interac verification service app.
    2. Authenticate with your financial institution.
    3. Once you have successfully logged into the Interac verification service, look for “My Connections” on the Home screen or tap on “Me” at the bottom of the screen.
    4. Interac verification service will display the “Me” screen, where you can review your existing Connections. Tap on the Connection you would like to delete from your account.
    5. Interac verification service will display the “Connection Details” screen. Tap on the garbage bin icon at the top of the screen.
    6. Confirm that you want to delete that Connection from your account by tapping “Delete”. Please note that, for your protection, you may be asked to re-authenticate with your financial institution before the action can be completed.
    7. From this point, Interac verification service will process and complete the request.
    8. Once the request has been completed, you will be returned to the “Me” screen. The Connection you selected and related information to will no longer be available for use through the Interac verification service.

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  • Why am I being asked to verify my phone number?

    Some organizations may request information about your mobile device. If you authorize a transaction requesting this information, it will come from your telecommunications provider.

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  • Can I transfer/recover my existing Interac verification service account to a new mobile device? If so, how?

    If your profile is in an active state (e.g., not suspended and not deleted), you may be able to restore your profile to a new device.

    1. Download the app on the new device.
    2. Launch the Interac verification app and tap on “I have an Interac verification service account “.
    3. Follow the instructions provided to restore your Interac verification service account to your device.

    Restoring your account will allow you to access your Activity Log on the new mobile device, showing your previous activity details. However, you may be required to re-establish some or all your Connections. The Interac verification service currently supports one account on a single device. This means that once you successfully restore your Interac verification service account to a new mobile device, you will no longer be able to access your account on the old one. 

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  • Why do I have to log in again after a certain time?

    For security reasons, you will be asked to authenticate with your financial institution each time you open the Interac verification app and also after a period of inactivity.

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  • How many financial institutions can I sign up with at the same time?

    Currently, Interac verification service account only supports the use of one financial institution per user account.

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  • Can I sign up for the Interac verification service if I have a joint account?

    Yes, joint accounts are supported when:

    1. Each person on the account has a unique login account, and
    2. Unique personal information (name, date of birth, etc.) for that login.

    For example, Bruce Smith and Sheila Smith share a joint account. Sheila has her own login username and password, and her name is shown as “Sheila Smith” when she logs in. Sheila would be eligible to sign up for the Interac verification service through this account.

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  • Does Interac verification service support the use of business banking accounts?

    Personal banking accounts are only currently eligible for Interac verification service.  An eligible account means that you have an active deposit account (i.e. chequing/savings), credit card, or loan account and you are registered for online banking. Please note, eligible accounts may vary by financial institution.

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  • Can I set up multiple devices with the same Interac verification service account?

    Currently, the Interac verification service supports a single device per user account. If you’re using the mobile app, you can only have an account on one device. When using the browser-based version of the service, you will be prompted to complete transactions you have started via web browser on the mobile device on which you have the Interac verification service app installed, if applicable.

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  • How do I view who I have shared my information with using the Interac verification service?

    You can easily view your transaction history in the app. Tap on the activity button at the bottom of the home screen.

    Please note that it is currently not possible to review transaction history on the browser-based version of the service.

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  • If I change my personal information in my financial institution profile, is my Interac verification service information automatically updated?

    No, your personal information is not automatically updated. If you update your information with a Connection, that Connection may choose to make that update reflect in your profile immediately or with some delay, based on that Connection’s processes. Please review your information before sharing to ensure that the data is reflected accurately. Otherwise, contact your financial institution for more information.

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  • When I have an issue with using or accessing the app, who should I contact and how?

    For login issues with your financial institution account (expired password, forgot password, lockout), please contact the financial institution you are you are using when enrolling in the Interac verification service.

    For support on the Interac verification service app, you can speak to a customer support representative by calling 1-844-778-5409.

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  • How do I sign out of the app?

    To sign out of the app, go to Settings, go to “Account & Authentication” and tap on “Sign Out of Interac verification service”. You will be prompted to confirm your decision by tapping “Sign Out”.

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  • I can’t access Interac verification service through the App Store or Google Play. What do I do?

    If you can’t access the Interac verification service app via the App Store or Google Play, double-check that your store region is set to Canada. This is the only region where you can download and use the Interac verification service app.

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  • I consented to share my information for a new service but the network participant claims they didn’t receive that information. What happened to my data?

    In the mobile app, you can see what happened in your activity log. If your activity log indicates that the information was delivered to the network participant, then contact that network participant to resolve the issue (the transaction was successful). If the transaction log indicates the transaction failed at some point, your information was not delivered to the network participant.

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  • How do I reset the Interac verification service app?

    If you can no longer access or use the app, you can easily reset it. To reset the Interac verification service app, go to “Settings” in the app, then tap on “Support” and you will see the “Reset App” option. Tap on this option to reset the app.

    Please note that you will need to sign up or link your account again to continue using the app after reset. This action cannot be undone.

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  • How do I change the language of the app?

    Changing the language of the Interac verification service app can be done by setting your language preference in your device’s Settings menu and cannot be done from within the app. 

    The app currently supports both English and French.

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  • I am an iPhone (iOS) user, and was redirected to a browser instead of the Interac verification service app. Why did this happen?

    Sometimes your mobile device may prevent the Interac verification service application from opening a link and force open your native browser instead. Simply follow the steps on your device’s screen to adjust the settings and prevent this from happening in the future.

    First, make sure you have the Interac verification service app installed. If you do, go directly to Step 1.

    Step 1: If you see the Safari icon in the lower right corner, please select it.

    Step 2: Pull down and then select OPEN to open the Interac verification service app. If you pull down and don’t see the Interac verification service app banner, please go to Step 3.

    Step 3: If you didn’t see the Interac verification service app banner in Step 2, Please click the BACK TO INTERAC VERIFICATION SERVICE button.

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  • I am an Android user, and I got this error message in the application: “The Interac verification service app URL settings need adjusting”. What do I do?

    Sometimes your mobile device may prevent the Interac verification service application from opening a link and force open the native browser instead. Simply follow the steps on your device screen to adjust the settings and prevent this from happening in the future.

    First, make sure you have the Interac verification service app installed. If you do, go directly to Step 1.

    Step 1: Select the “More Options” icon

    Step 2: Select “Open in Chrome”, or your favourite browser

    Step 3: Open the android settings app then select Apps

    Step 4: Select the ” Interac verification ” app

    Step 5: Select “Set as default”

    Step 6: Select “Go to supported URLs”

    Step 7: Change “Always Ask” to “In this app”

    Step 8: Close both ” Interac verification service” and “Chrome” applications, retry the flow and see if the issue occurs again Step 9: Still having the same issue? Please use the report a problem form and our support team will assist you

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  • I have received an error stating that my JavaScript function must be enabled in my browser settings so that the page will display properly. What do I do?

    Your JavaScript function must be enabled for pages to display properly. If you are receiving this error, you will have to enable JavaScript in your device’s browser settings for the Interac verification service app to function normally.

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  • Who do I contact if I have a question about my credit score?

    Your credit score and information about your credit score can be obtained through an Equifax® Consumer Credit Report. If you have any questions or concerns, please contact Equifax directly at 1-800-465-7166.

    Equifax Canada Co. (“Equifax”) is a registered Canadian credit bureau that maintains your Canadian consumer credit file. Your Canadian consumer credit file has, with your consent, been made available to you by Equifax through the Interac verification service to provide you with your educational Equifax consumer credit report. The Equifax Consumer Credit Report provided here is current as of the date indicated on your report.  For a full copy of your up to date Equifax credit file, please contact Equifax directly.

    The Equifax Risk Score (or Equifax credit score) is based on Equifax’s proprietary model and may not be the same score used by third parties to assess your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties will take into consideration other information in addition to a credit score when evaluating your creditworthiness.

    ™ Equifax is a registered trademark of Equifax used under license.

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  • When looking at my transaction history in the app, I am seeing the label of “Unknown” in some cases. Why is that appearing?

    If you reset the Interac verification service app on your device or move your account over to another one, you may see these “Unknown” labels for transactions performed prior to a recent update that the service underwent. All transactions made after this update should be labeled with the appropriate entity name.

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  • How does the browser-based version of the Interac verification service work?

    Just like the mobile app, the browser-based version of the Interac verification service is designed to give consumers another way to help verify their identities to access services and products. Here’s a quick guide to help you to start using the service via web browser:

    1. Click on the “Sign up with Interac verification service ” button when you see it as an option on a webpage to use Interac verification service to access the desired services or products. You will be redirected to the Interac verification service website to begin the process.
    2. Select a financial institution with which you have an active and existing online banking relationship. You will be redirected to your financial institution to sign in. 
    3. Review the information required by the service provider, and consent to share that information.
    4. Your personal information will be shared with the service provider to help verify your identity.

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  • If I don’t have the mobile app installed, can I still use the service with my browser?

    Yes, you will still be able to use the service via your web browser. It is, however, recommended that you download the mobile app to help simplify the process of completing transactions, be able to view your activity log and Connections and more. Please note that if you already have a mobile app account, you will be prompted to complete transactions started on web browser with the mobile app.

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  • Will I have to re-add my Connections after the first time I use the service via a web browser?

    No, the service will detect whether you’ve already created an account before and remember any Connections you have previously added for your convenience. This allows for a smoother user experience for subsequent transactions.

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  • Can I see my Connections and transaction history via the browser-based version of the service just like I can via the app?

    No. Currently, you can only view your Connections and transaction history in the mobile app and not via the browser-based version of Interac verification service.

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  • If I begin a transaction on the browser-based version of the service even though I have the mobile app installed, why am I being redirected to the mobile app to complete the transaction?

    For security reasons, a user of the Interac verification service can only have an account on one device. If you already have the Interac verification service app and wish to complete a transaction on the browser-based version of the service, you will be instructed on how to complete the transaction via the mobile app on your mobile device. If you don’t have the mobile app installed, you will still be able to complete the transaction with the browser-based version of Interac verification service via your web browser. It is, however, recommended that you install the app to help simplify these processes going forward.

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  • If I download the mobile app after using the browser-based version, will my Connections and transaction history already appear there?

    Yes. The Connections and transactions that you make via the browser-based version of the Interac verification service saves and will transfer over to the mobile app once you download it on your mobile device and register your profile on that device.

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  • I have deleted the mobile app and have logged in via a browser to access the service. Why am I told need to continue the transaction via the mobile app?

    If you created an account in the mobile app, the service recognizes this and you will need to redownload the app and continue with your existing account. This is for security reasons; you can currently only have an Interac verification service account on one device. It’s important to note that deleting the mobile app does not automatically delete your account. To actually delete your Interac verification service account from within the app, please find the instructions here: https://www.interac.ca/en/consumers/support/faq-consumers/#faq_98667

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  • How do I review the information that will be shared on the browser-based version of the service?

    To review the information that would be shared from your Connections in a transaction, click on the downward facing arrow beside the Connection from which the information will be shared. This will display the information that is going to be shared.

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  • How do I review the information that will be shared when I am adding a new Connection via the browser-based version of the service?

    When adding a new Connection, the fields of information that will be shared will be displayed.  If you want to see the specific information that will be shared, click the “Review” button.

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  • On the browser-based version of Interac verification service, I see that there’s a mobile version of the service. What are the differences between both experiences?

    Through the browser-based version, you’re able to complete activity on a web browser – where the service is available – and have your progress saved for future visits. 

    The mobile app offers a more personalized experience.  The mobile app enables you to help verify your identity to access certain services and products, and provides access to more features, including the ability to see your Connections and transaction history. With the mobile app installed, you’ll also be able to use it to expedite processes that were started using the browser-based version of the service. We recommend installing the app to ensure you get the best possible experience with the Interac verification service.

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  • Why am I directed back to the service organization home page or seeing a blank white page after I have completed the authentication flow using the Interac verification service app?
    1. Please use your default mobile browser with the Interac verification service app when you are starting the identity verification process on the organization’s website.
    2. On iOS or Android, you may be redirected back to the service organization’s home page or see a blank white page if you do not use your default browser at any point during the identity verification process.
    3. If this occurs, restart the identity verification process with your default mobile browser.

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  • Where can I use the Interac verification service?

    You can use your Interac verification service account to help verify your identity online, in-person or using a mobile device to sign up for new services and get things done quickly and securely.

    Once you’ve set up your Interac verification service account, you’ll be able to see where you can use it by viewing the full list here. As Interac verification service expands, you’ll continue to find more places where you can use it to share information with participating network members.

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  • Where is this service available (provincial, national, international)?

    The Interac verification service is available across Canada. The Interac verification app does not impose geographic restrictions on where the user can use the app. However, the Interac verification app only communicates with Canadian organizations and services.

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  • What devices are supported for the Interac verification app?

    The Interac verification mobile app is supported on iOS (12+) and Android (6+) mobile devices. Please note that the app doesn’t support tablets or the preview/beta editions of iOS and Android. The web-based version of the service, which is an available option with participating service providers, can be used on any device that has an internet browser.

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  • How do I know what information I have to share?

    The Interac verification service app will display the type of information being shared and will ask for your consent before any data is shared with the chosen trusted Connection.

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  • Why am I asked if I want to use Interac verification service when I accessing certain services on the web?

    Certain service providers in the Interac verification service network may offer the option on their sites for consumers to access their services and products via the Interac verification service. This is simply an additional option available for consumers to expedite processes in a private and secure way and is being offered as an added convenience.

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  • How do I know the Interac verification service is safe?

    The Interac verification service was developed in cooperation with seven of Canada’s major financial institutions – BMO, CIBC, Desjardins, National Bank of Canada, RBC, Scotiabank and TD – along with our innovation partners.

    The Interac verification service uses strong security protocols to help protect personal information from being identified, accessed, or misused. The Interac verification service has no access to the credentials you use to log in to your financial institution.  

    You’ll be asked to consent to every transaction.

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  • Who holds the data being exchanged with the Interac verification service? And where is my personal information stored?

    Your personal information is stored and maintained by your trusted Connections, such as your financial institution. The Interac verification service may temporarily store your personal information in order to transfer this information—at your request—between network participants.   Other trusted network participants that you have authorized to receive your personal information may also store your information. To learn more, please review the Interac verification service Privacy Notice on the Interac website.

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  • Does the Interac verification service have access to or store my financial institution (FI) login information?

    The Interac verification service has no access to credentials you use to log into your financial institution.

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  • What information from my financial institution account is shared?

    Your personal information is only shared under your explicit consent and can be reviewed at any time before consenting to share. The personal information that is being shared is limited to personal identity and contact details that you agree to share. Your account number and account type are only shared under your consent for specific services and products you may be opening.

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  • When my personal information is shared with an organization (with my consent), how long does that organization keep it for?

    Once you have consented to share your personal information with an organization, your information is only used for the specific intended purposes such as accessing a service or signing up for a new product.  For questions related to how long your personal information is stored by the service provider you have consented to sharing such information, please contact the organization directly or refer to the receiving organization’s privacy notice.

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  • Who has access to my personal information when I use the Interac verification service?

    Your trusted Connections (ex. financial institutions, credit bureaus) have personal information about you through your existing services with them. It’s like you asking your bank to provide an insurance company with a subset of information they have on file about you. Since it’s your personal information, you’ll be able to review the displayed information before providing consent. To learn more, please review the Interac verification service privacy notice.

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  • I lost my mobile device with the Interac verification app installed. What should I do?

    If you lose or get a new mobile device—rest assured. Your Interac verification service account is not stored on your device and the service cannot be accessed without logging into your financial institution. You can install the Interac verification service app on your new device and transfer your account to it. The Interac verification service app installation on your original device will no longer be available for use.

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  • I received an email from Interac with instructions to log on to Interac verification service site with my bank credentials. Is this legitimate?

    Interac verification service will never send you unprompted emails or text messages. If you receive an unprompted email or text message, do not click any links or forward the messages on. These messages are likely phishing attempts and are not legitimate.

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  • I see transactions on the Interac verification service activity log that I did not perform or authorize. What should I do?

    If you become aware of activity with your Interac verification service account that you have not performed, please contact your financial institution immediately and report the activity as unauthorized.

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  • I received a notification that my Interac verification service account has been recovered to another mobile device, but I didn’t request or authorize this recovery. What should I do?

    Please contact your financial institution immediately and report the unauthorized recovery event.

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  • I received an alert/notice from my financial institution that an Interac verification service account has been created, but I didn’t create one. What should I do?

    Please contact your financial institution immediately and report the unauthorized Interac verification service account creation. Your financial institution will be able to delete the unauthorized account and assist you with any other necessary steps. 

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  • I was a victim of a phishing attack and my login credentials at my financial institution may be compromised. Does this mean my Interac verification service account is compromised?

    Please contact your financial institution immediately and report the phishing attack. Your financial institution will assist you in taking any necessary actions required. If you are concerned about any privacy issues relating specifically to the Interac verification service, please review the Interac verification service privacy notice.

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  • Where can I find the Interac verification service Privacy Notice?

    Please visit the Interac verification service Privacy Notice here: https://www.interac.ca/en/verification-service/terms-and-conditions-and-privacy-notice/#privacy-notice

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Interac document verification service

  • What is Interac® document verification service?

    The Interac document verification service helps verify your identity using your government-issued photo ID and facial biometrics to access online services that require proof of identity, including certain banking services that could otherwise require an in-person visit. Interac document verification service was built with secure technology at its core to help protect you from fraud.

    To use the service, simply follow the prompts from the participating service online or through their app to take a photo of your government-issued ID and a selfie with your mobile device.

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  • What do I use Interac document verification service for?

    Interac document verification service enables you to verify you have a valid government-issued photo ID when certain online services require proof of identity. It’s an easy and secure way to help verify you are who you say you are with participating service providers, which can save you time and in-person visits. 

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  • Do I need to download an app?

    No, you don’t need to download an app to use the service. The participating service provider will prompt you to use the Interac document verification service when verifying yourself online. 

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  • What ID types are accepted?

    At this time, Canadian government-issued driver’s licences and passports are accepted.

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  • What are the technical requirements to use the service?

    You can use the service on any iOS (12+) smartphone. For Android users, you will need a 6+ phone with Chrome version 29+ installed.

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  • Why do I need to provide photo ID?

    Many online services, such as online banking services, require you to prove your identity when a transaction takes place. These high-assurance identity verification processes are required to prevent your personal information from being accessed by bad actors. Government-issued photo IDs are a trusted way of confirming our identities, but these IDs are easily faked. 

    Comparing your ID against a selfie online in real-time, using a combination of facial biometric analysis and advanced fraud management, keeps your identity safe and secure. With Interac document verification service, we verify that you’re the genuine, live owner of the submitted ID, down to the last pixel.

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  • How is my information protected?

    Interac document verification service was built with strong privacy and security features at its core to help protect you from stolen IDs and impersonation in real-time.

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  • Does it cost me anything?

    Interac document verification service is available free or charge for eligible users*.

    *Data rates may apply. 

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  • How does Interac document verification service work?

    When verifying yourself online using Interac document verification service, you will be prompted to take a photo of your government-issued photo ID document and a selfie to confirm your proof of identify using market-leading technology that uses one-time facial biometric analysis. 

    To get started, simply follow the prompts from the participating service provider.

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  • Can I use Interac document verification service if I am not registered for the Interac verification service?

    Yes. You can use the Interac document verification service even if you are not a registered user.

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  • What is the difference between Interac document verification service and the Interac verification service?

    The Interac document verification service is an online service that helps you verify your identity using your government-issued photo ID and facial biometrics. Its purpose is fixed: use your ID and a selfie to complete tasks that require physical documents.

    The Interac verification service is a broader solution to help Canadians verify their identity online, sign up for new digital services and get things done quickly and securely by establishing a secure connection with their financial institution. This service provides identity sharing capabilities across a wide variety of network participants for an expanded list of activities.

    Interac document verification service is associated with the Interac verification service but operates separately as a standalone offering.

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  • What is the minimum age required to verify my identity using my government-issued photo ID and facial biometrics?

    The minimum age required to verify your identity using your government-issued photo ID and facial biometrics is 16 years of age.

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