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Pay Securely with Interac Debit Contactless Payments

Everyday purchases made fast and easy

Pay your fare with just a tap.

Now the way you pay for coffee, can be the way you pay for transit. Interac Debit contactless payments lets you tap and go using your debit card or smartphone. Plus, it eliminates the extra steps of purchasing tickets and passes. Discover more about how Interac is making transit simpler.

Discover more about how Interac is making transit simpler

Who knew getting through the checkout line faster could be so safe? You’re good to go with a secure tap of your debit card (or mobile device).

So pay quickly and securely for those groceries or that new top, and take comfort in transaction limits.

How-to: Make a contactless payment with Interac Debit

The wonder of one-step payment: it’s so simple, all you do is tap your card or mobile device on the terminal. Once you hear the beep, you’re good to go.

Want to use your mobile device to pay? Head here to learn more.

Learn more about Transaction Limits in our Security section.

Which financial institutions offer Interac Debit contactless payments?

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Check out in an instant the way you want: Interac® Debit contactless payments on your mobile wallet lets you tap at checkout using your phone through Apple Pay, Google Pay or Samsung Pay.

Simply load your debit card onto your mobile wallet.  And the next time you dash out to grab milk or a snack, feel free to take just your phone. When you see that at checkout, tap your phone or watch and you’re done.

How does Interac Debit contactless payments on mobile wallets work?

Check the list to confirm that your bank or credit union participates. Learn more below for tips on how to add your card to your mobile wallet.

How-To: Pay contactless with Interac Debit on Apple Pay*

  1. Open your mobile wallet.
  2. Look for the (+) and follow the instructions to load up your card. (For Apple Wallet, you will see a prompt to add a debit card.)
  3. Make sure you have  Interac Debit selected before you tap. Happy checkout.
View Participating Financial Institutions

How-To: Pay contactless with Interac Debit on Google Pay**

  1. Download Google Pay
  2. Tap the (+) and follow the instructions to add your card information. That’s it.
View Participating Financial Institutions

How-To: Pay contactless with Interac Debit on Samsung Pay

  1. Once you’ve downloaded Samsung Pay onto your phone, sign into your account.
  2. Follow the instructions to add your debit card and you’re good to go. Just swipe up on the home screen, pick Interac Debit and use your fingerprint ID or type in your PIN.

Just swipe up on the home screen, pick your card and use your fingerprint ID or type in your pin.

View Participating Financial Institutions

Tip: Interac Debit with Apple Pay or Google Pay

You can use Interac Debit to pay with Apple Pay and Google Pay at participating merchant mobile websites and apps. Learn more here.

Leading digital security

Did you know that Interac has a global-leading track record in reducing payment fraud? When you pay with your mobile wallet, we replace your information with a secure token, so confidential details are never shared with a merchant or anyone else.

Learn More

The following financial institutions are currently offering Interac Debit on Apple Pay:

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The following financial institutions are currently offering Interac Debit on Google Pay:

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The following financial institutions are currently offering Interac Debit on Samsung Pay:

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  • Participation eligibility and suspension criteria

    The below sets out a high-level summary of eligibility criteria for service participation and a summary of circumstances in which a Participant may be suspended from the service. In addition to the eligibility criteria summarized below, Participants are required to meet all the requirements (including technical requirements) found in the service’s governing documents. If your organization fits within the eligibility criteria below and would like to discuss participation in Interac’s services, please contact participation@interac.ca.

    Interac Flash and Interac Debit

    The following entities are eligible to become Participants on the Interac Flash and Interac Debit services:
    Issuers: The following financial institutions are eligible to participate as an Issuer:

    • a bank;
    • a Central Cooperative Credit Society, a Cooperative Credit Association or a local cooperative credit society;
    • a foreign bank operating at least one full-service branch in Canada;
    • a foreign life insurance company;
    • a trustee of a qualified trust; or
    • a designated foreign financial institution.

    Acquirers: Entities that operate card-accepting devices (contact and/or contactless) at the point-of-sale, which capture and transmit relevant data, needed to undertake a transaction to the Issuer.

    Suspension:
    Issuers and/or Acquirers can be immediately suspended where Interac determines that actions or omissions have resulted, or will result, in a material adverse effect upon the security or integrity of Interac Flash and Interac Debit or a material financial loss to one or more Participants or Interac.

    A Participant may be suspended at a later date if Interac determines that the Participant is not in good standing and that immediate suspension is not required.

    Interac Mobile Debit:

    To be eligible to become a Participant in Interac Mobile Debit service, participation in Interac Debit as either an Issuer and/or Acquirer is required.

    Suspension:
    Participants can be immediately suspended if they no longer meet the criteria for participation criteria or have committed a material breach of the governing documents, and Interac determines that this will likely have a detrimental effect on the Interac Mobile Debit service.

    A Participant may be suspended at a later date if Interac determines that the Participant is not in good standing and that immediate suspension is not required. Interac may also temporarily suspend Participants who are unable to properly participate in the network due to technical problems.

    Interac Token Service Provider (TSP):

    To be eligible to become a Participant in Interac TSP, participation in Interac Mobile Debit as an Issuer is required.

    Suspension:
    Participants can be immediately suspended if they fail to perform or observe any material obligation, are in financial default, or fail to make payment of certain fees when due. Interac may suspend a Participant if

    • the technology platform provider is suspending or discontinuing Interac’s access to specific functionality of the platform or the platform as a whole,
    • the Participant has been suspended by the technology platform provider,
    • the Participant is suspended from Interac Mobile Debit,
    • they cease to participate in Interac Mobile Debit,
    • a security breach occurs by the Participant or due to an action on the part of the Participant, or
    • its affiliates or representatives place Interac’s network or systems or other Participants at risk.

*For a list of compatible Apple Pay devices see support.apple.com/en-ca/. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

*The Contactless Indicator is a trade-mark of EMV Co. LLC. Used under license.

**Google, Google Pay and the Google logo are trademarks of Google INC. ***All trademarks are the property of their respective owners.