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Introducing Interac Direct®

Enjoy Canada’s digital-only payment solution that lets you pay for purchases directly from your chequing, savings or line of credit account.*

Exclusively available on the Konek™ digital payment solution.

What is Interac Direct?

Interac Direct enables online shopping at participating merchants with card-free payments from your chequing, savings, or line of credit accounts with your participating financial institution, giving you the freedom to choose how to pay.

Why Choose Interac Direct?

Explore how Interac Direct improves your online shopping experience.

Pay straight from your bank account

Use Interac Direct when you checkout with the Konek payment solution* to pay directly with your chequing, savings or line of credit accounts with your participating financial institution.

Secure Online Payments

Interac Direct uses tokenization to replace card details with random numbers, sharing only necessary information with merchants to complete a transaction. Your money is kept safe as funds are accessed directly from your bank account.

Skip the Plastic

Go card-free and simplify your shopping experience: once you set up your eligible account with your preferred participating financial institution, you can pay quickly and easily without entering account details.

Flexible Payment Options

Whether you’re buying a new top, pre-authorizing payments for bills, or setting up recurring payments to stream your favourite shows, Interac Direct gives you flexibility in how you make eligible transactions.

Ready to use Interac Direct? Sign up with Konek.

You can use Interac Direct through the Konek, a new online payment solution that allows you to pay directly at participating merchants from your eligible account. Supported by Canada’s top financial institutions and powered by Interac Corp., Interac Direct through the Konek platform gives you the flexibility and choice to pay directly from your eligible bank account at checkout. Look out for the Konek logo for transactions that are safe, easy, and flexible.

Learn More About Konek

Ready to Get Started with Interac Direct?

Here’s how easy you can checkout with Interac Direct through Konek.

1Find the Konek button

Look for Konek button when checking out online at participating merchants.

2Login

Log in through your financial institution, set Interac Direct as your default payment method, and then select the account you want to use for payments.

3Enable Quick Access

Enable face or touch ID for faster checkouts.

4 Complete Checkout

Complete your checkout successfully.

Want To Know More about Interac Direct

How To’s

Participating Partners

Interac Direct allows you to pay directly through our trusted network of participating financial institutions:

Frequently Asked Questions

  • What are account based payments or Account to Account Payments?

    Account based payments allow consumers to make an online purchase directly from their eligible account without the need for a card number affiliated with their participating financial institution. Eligible accounts are chequing, savings and line of credit accounts that the participating financial institution makes available through the Konek gateway.

  • What is Interac Direct?

    The Interac Direct service is a new online payment option with participating merchants in Canada available through the Konek gateway which allows consumers to pay for their online purchases at participating merchants directly from their eligible accounts through their participating financial institution.

  • Where can I pay with Interac Direct?

    Interac Direct is currently available through the Konek service with participating merchants in Canada with additional merchant participation to come.

  • How does paying with Interac Direct work?

    To pay using the Interac Direct service at a participating online merchant, you must select Konek at checkout, select your preferred financial institution from a drop-down list, sign-in to your online banking and provide consent, select Interac Direct and your preferred available account and complete your purchase!

  • How is Interac Direct different from other forms of payment (like debit or credit cards)?

    Interac Direct is a Canadian payment solution providing a secure, convenient, and flexible online payment experience by giving consumers the ability to pay directly for online purchases at participating merchants from their eligible account of choice through their participating financial institution. With Interac Direct, any eligible account with a participating financial institution can be enabled and no cards are needed to make a purchase within the Konek platform.

*Availability of payment methods varies by merchant.