Interac - FAQs

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.

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 Interac Flash contactless payments.

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. 

How can I get Samsung Pay on my device?

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

Where can I use Samsung Pay?

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

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 and another payment brand’s debit logos 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.

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 Interacdebit card on Samsung Pay.

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

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

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.

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.

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.

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.

How will Samsung Pay transactions appear on my bank statement?

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

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).

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.

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.

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.

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.

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.

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.

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.

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.

Is the Interac debit card in Samsung Pay different than Interac Online?

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 Online is available within select merchant’s online checkout page, allowing you to pay by Interac Debit.

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.

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

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