{"id":229103,"date":"2026-06-09T08:52:13","date_gmt":"2026-06-09T12:52:13","guid":{"rendered":"https:\/\/www.interac.ca\/?post_type=company&#038;p=229103"},"modified":"2026-06-09T09:17:40","modified_gmt":"2026-06-09T13:17:40","slug":"interac-e-transfer-participation","status":"publish","type":"company","link":"https:\/\/www.interac.ca\/en\/company\/about\/interac-e-transfer-participation\/","title":{"rendered":"Interac e-Transfer participation"},"content":{"rendered":"<section id=\"t4-hero-block_ded5d6c1dadedc7f446fcdfcd35e18e9\" class=\"block-t4-hero\" style=\"margin-top: 0px; margin-bottom: 100px; padding-top: px; padding-bottom: px;\">\n    <div class=\"grid-container\">\n        <div class=\"grid-x align-center align-middle\">\n            <div class=\"cell small-12 hero-title\">\n                <h1>Interac e-Transfer participation<\/h1>\n            <\/div>\n                                <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<p class=\"has-text-align-left center\" style=\"font-size:16px\">Interac e-Transfer supports secure digital money movement in Canada. Eligible organizations can apply to become a Participant and connect directly to the network or indirectly through a qualified Connection Service Provider (CSP).<br><\/p>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<p class=\"has-text-align-left center\" style=\"font-size:16px\">Email <a href=\"mailto:newapplicants@interac.ca\">newapplicants@interac.ca<\/a> to request information or initiate the process.<\/p>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<h2 class=\"wp-block-heading center\" id=\"h-who-can-apply\">Who can apply<\/h2>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<p class=\"center\">Participants are required to meet all the requirements (including technical requirements) found in the Interac e-Transfer service\u2019s governing documents. Participation in the Interac e-Transfer service is limited to regulated financial service entities in Canada that meet specific eligibility criteria.<br>These entities include:<\/p>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<ul class=\"wp-block-list center\">\n<li>a federally regulated bank<\/li>\n\n\n\n<li>both an investment dealer regulated by the Canadian Investment Regulatory Organization (CIRO) and a FINTRAC-registered Money Services Business (MSB)<\/li>\n\n\n\n<li>both a Payment Service Provider (PSP) regulated under the RPAA and a FINTRAC-registered MSB<\/li>\n\n\n\n<li>a central cooperative credit society, a cooperative credit association or a local cooperative credit society a foreign bank with at least one full-service branch in Canada<\/li>\n\n\n\n<li>a foreign life insurance company<\/li>\n\n\n\n<li>a trustee of a qualified trust<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<h2 class=\"wp-block-heading center\" id=\"h-connectivity-options\">Connectivity options<\/h2>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<ol class=\"wp-block-list center\">\n<li><strong>Direct Exchange Participant (DEP)<\/strong><br>A Participant that connects directly to the Interac network to exchange Interac e-Transfer transactions.<br><br><strong>Typical fit<\/strong>: Organizations with the scale\/need to operate their own direct connectivity and day-to-day operational capabilities.<br><\/li>\n\n\n\n<li><strong>Indirect Exchange Participant (IEP)<\/strong><br>A Participant that uses a Connection Service Provider (CSP) to connect to the Interac network.<br><br><strong>Key point<\/strong>: Each Indirect Exchange Participant must appoint a CSP, and the CSP must be authorized by Interac before connecting the IEP to the network.<br><\/li>\n\n\n\n<li><strong>Connection Service Provider (CSP)<\/strong><br>A Person (including a Direct Exchange Participant, but not an individual) recognized by Interac as qualified to connect one or more Indirect Exchange Participants to the Interac eTransfer service through the network.<br><br><strong>What CSPs do (high level)<\/strong>: CSPs provide connectivity for IEPs and are expected to comply with applicable governing documents for the activities they perform as a CSP.<\/li>\n<\/ol>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<p class=\"center\"><strong>Important note:<\/strong><br>All Participants connecting through any of the above options are still required to establish arrangements for settlement of their transaction obligations (either directly or indirectly), in accordance with existing governance.<\/p>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<h2 class=\"wp-block-heading center\" id=\"h-connection-service-providers-csps\">Connection Service Providers (CSPs)<\/h2>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<p class=\"center\">Interac maintains this list to improve transparency for prospective Indirect Exchange Participants. Inclusion in the list of CSPs is optional and does not obligate a CSP to engage with or onboard a prospective IEP.<\/p>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<p class=\"center\"><em>*This list may be updated from time to time.<\/em><\/p>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<ul class=\"wp-block-list center\">\n<li><strong>Central 1<\/strong><\/li>\n\n\n\n<li><strong>Desjardins<\/strong><\/li>\n\n\n\n<li><strong>People\u2019s Trust Company<\/strong><\/li>\n\n\n\n<li><strong>Digital Commerce Bank<\/strong><\/li>\n\n\n\n<li><strong>Prairie Payments Joint Venture (via Credit Union Central of Canada- CUCC)<\/strong><\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<h2 class=\"wp-block-heading center\" id=\"h-fees\">Fees<\/h2>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<p class=\"center\">IEPs connecting via a CSP may be subject to additional fees charged by the CSP for their services, in addition to the standard Interac e-Transfer fees outlined here: <a href=\"https:\/\/www.interac.ca\/en\/payments\/business\/understanding-fees\/\">Understanding Interac e-Transfer Fees<\/a>.<\/p>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<h2 class=\"wp-block-heading has-text-align-left center\" id=\"h-faqs\">FAQs<\/h2>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x align-center\"><div class=\"small-12 medium-8\">\n<section id=\"accordion-block_a9eef9a6270ded3a185969e8166f62fa\" class=\"accordion-content-block center\" style=\"margin-top: 0px; margin-bottom: 0px;\">\n    <div class=\"grid-container\">\n        <div class=\"grid-x grid-margin-x align-center\">\n            <div class=\"cell small-12\">\n                            <ul class=\"accordion\" data-accordion data-deep-link=\"true\" data-update-history=\"true\" data-deep-link-smudge=\"true\" data-deep-link-smudge-delay=\"500\" id=\"deeplinked-accordion\" data-allow-all-closed=\"true\">\n                                <li class=\"accordion-item\" data-accordion-item><a href=\"#do-i-need-a-csp-to-join\" class=\"accordion-title\"><h6>Do I need a CSP to join?<\/h6><\/a> <div id=\"do-i-need-a-csp-to-join\" class=\"accordion-content\" data-tab-content><p>If you join as an Indirect Exchange Participant, you must use a CSP to connect to the network.<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#what-is-a-csp\" class=\"accordion-title\"><h6>What is a CSP?<\/h6><\/a> <div id=\"what-is-a-csp\" class=\"accordion-content\" data-tab-content><p>A CSP is an entity recognized by Interac as qualified to connect one or more Indirect Exchange Participants to the service through the network.<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#is-it-guaranteed-that-listed-csps-will-engage-and-onboard-all-ieps-that-make-an-inquiry\" class=\"accordion-title\"><h6>Is it guaranteed that listed CSPs will engage and onboard all IEPs that make an inquiry?<\/h6><\/a> <div id=\"is-it-guaranteed-that-listed-csps-will-engage-and-onboard-all-ieps-that-make-an-inquiry\" class=\"accordion-content\" data-tab-content><p>No. Being listed as a CSP is intended to enhance transparency and make service providers easier to identify; however, it is at the CSP\u2019s discretion to decide whether to engage with and onboard any inquiring Indirect Exchange Participant (IEP).<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#do-all-participation-options-require-settlement-arrangements\" class=\"accordion-title\"><h6>Do all participation options require settlement arrangements?<\/h6><\/a> <div id=\"do-all-participation-options-require-settlement-arrangements\" class=\"accordion-content\" data-tab-content><p>Yes. All Participants &#8211; direct or indirect &#8211; must establish arrangements for settlement of transaction obligations in accordance with existing Interac governance.<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#how-do-we-start\" class=\"accordion-title\"><h6>How do we start?<\/h6><\/a> <div id=\"how-do-we-start\" class=\"accordion-content\" data-tab-content><p>Email <a href=\"mailto:newapplicants@interac.ca\">newapplicants@interac.ca<\/a> to request more information or initiate the process.<\/p>\n<\/div><\/li>                <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Interac e-Transfer supports secure digital money movement in Canada. Eligible organizations can apply to become a Participant and connect directly to the network or indirectly through a qualified Connection Service Provider (CSP). Email newapplicants@interac.ca to request information or initiate the process. Who can apply Participants are required to meet all the requirements (including technical requirements)&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"company_categories":[860],"class_list":["post-229103","company","type-company","status-publish","hentry","company_categories-about"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Interac e-Transfer participation - Interac Corp.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.interac.ca\/en\/company\/about\/interac-e-transfer-participation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Interac e-Transfer participation\" \/>\n<meta property=\"og:description\" content=\"Interac e-Transfer supports secure digital money movement in Canada. 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