Interac - FAQs

What is Interac Debit on Google Pay?

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

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

Canadian Interac Debit cardholders can now use an eligible Interac debit card from their participating financial institutions with Google Pay to pay at merchants who accept Interac Flash contactless payments.

Which cards and devices are eligible for Google Pay?

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

Google Pay works on most NFC-capable devices with version 4.4 (KitKat) or higher. NFC-capable devices enable you to make purchases at merchants who display one of these symbols at checkout:

To learn more about how to use Google Pay, please visit

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.

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 hasn’t updated your device yet which is affecting your ability to add your debit card. Google will send you an email and you will receive a notification on your device when it has been updated. You will then be able to add your debit card from a participating financial institution to use Interac Debit on Google Pay.

Where can I use Google Pay?

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

How can I add my Interac debit card to Google Pay?

Add an eligible participating financial institution’s Interac debit card to Google Pay by opening the Google Pay app and follow the on-screen instructions.

You can use your device camera to recognize your Interac debit card or enter the card details manually. You may also need to enter some additional information required, such as your address or phone number. Once you have accepted the terms & conditions, for security reasons, a verification step may be needed just prior to enable your virtual card in Google Pay.

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 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 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 Android Pay.

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

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

Can I put 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.

Can I add my card to an Android watch?

Yes. You can add an eligible participating financial institution’s Interac Debit card to Google Pay on your eligible Android watch with Wear 2.0.

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 Android Pay, select the card you want removed and select "remove card".
  2. Using Android's "Find your phone" service

Your financial institution can suspend your card.


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 Android 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 Android Pay.

How do I make purchases using Interac Debit on Google Pay?

At checkout, hold your Android device near the contactless terminal. For some transactions, you may be required to authenticate yourself using your device’s unlock. Your device will beep or vibrate, and you will receive a confirmation on screen once your transaction is successful.

How will an Google Pay transaction appear on my bank statement?

Interac Debit transactions with Google Pay will appear the same as any Interac Flash payments do today.

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

Depending on the merchant'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).

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 Google (

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

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

How secure is an Google Pay transaction?

Your Interac debit card in Google Pay is protected by your fingerprint or Google's standard device unlock (ie. passcode, pin or pattern). For your security, some transactions may 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.

Are the transactions listed anywhere for my card in Google Pay?

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

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

No, you do not need to update your card in Google Pay. If you have problems, you will need to contact your financial institution.

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

If you believe your device or Android 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 Find My Device
  • To turn on the location access from your device's apps menu, open Google Settings and touch Security
  • Under Find My Device, move the switches next to ”Remotely locate this device” and ”Allow remote lock and factory reset” to the On position.

Is Interac Debit on Google Pay different than Interac Online?

Yes. Interac Debit on Google Pay enables you to make purchases with your device when purchasing in-store with a contactless terminal. Interac Online is available within select merchants’ online checkout pages, allowing you to pay by Interac Debit.

What is the difference between Interac Debit on 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.

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

No. Interac Debit on Google Pay is the same as an Interac Flash transaction. Please check with your financial institution.

Does Interac Debit on Google Pay use cellular data?

You do not need cellular data or a Wi-Fi connection to make a transaction using Interac Debit on Google Pay. 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.