Life moves fast and you should be able to move with it. That\u2019s why Interac<\/em> Debit is your key to a convenient and secure payment experience that lets you take charge of your money whenever \u2013 and wherever \u2013 you need it.<\/p>\n\n\n\n Whether you prefer a physical card or your mobile wallet, online and physical retail payments are all available to you in the palm of your hand \u2013 literally.<\/p>\n\n\n\n Questions this section will answer:<\/strong><\/em><\/p>\n\n\n\n We know that as a customer, choice matters. And you should have a choice in how you pay for products and services the way you want. That\u2019s where Interac <\/em>Debit can help.<\/p>\n\n\n\n Interac<\/em> Debit is a way to purchase products or services electronically by moving money in real-time from your bank account to a merchant\u2019s. Depending on which solutions merchants offer, you can use a debit card provided by your financial institution, a mobile wallet like Google Pay or Apple Pay that keeps your debit card\u2019s details to pay with your mobile phone, or pay through online banking.<\/p>\n\n\n\n Unlike a credit card, which essentially enables you to borrow money from the card issuer, Interac <\/em>Debit allows you to take charge and use your own money straight from your bank account.<\/p>\n\n\n\n Interac<\/em> Debit is made to be a simple, secure, and easy way to pay for your everyday purchases, and is accepted across Canada and approximately 2 million retailers in the United States. Whether you want to grab a quick snack from the corner store, pay for a movie ticket, or order dinner on your phone, paying with Interac <\/em>Debit is the convenient way to pay with your own money.<\/p>\n\n\n\n What are the key benefits and features of Interac <\/em>Debit?:<\/strong><\/p>\n\n\n\n Interac products have been a trusted everyday part<\/a> of Canadian life for more than 35 years.<\/p>\n<\/div><\/li> Interac<\/em> Debit is integrated across all Canadian financial institutions.<\/p>\n<\/div><\/li> Interac<\/em> Debit uses up to date security technology and practices<\/a> to help ensure that the only one who has access to your financial information is you.<\/p>\n<\/div><\/li> With Interac<\/em> Debit you can pay in the way that suits you best<\/a>. Whether using a physical debit card with contactless tap technology or by inputting a personal information number (PIN), or using a digital wallet like Google Pay or Apple Pay, there\u2019s more than one way to pay.<\/p>\n<\/div><\/li> With Interac <\/em>Debit contactless payments<\/a>, a transaction can be as fast as tapping your card or mobile device on a purchase terminal.<\/p>\n<\/div><\/li> Interac <\/em>Debit payments aren\u2019t just for physical storefronts; you can purchase products and services online. From SkipTheDishes to Walmart, easy payments are just a click away<\/a>.<\/p>\n<\/div><\/li> When paying using Interac <\/em>Debit, you can stay in charge by using your own money, straight from your account and authorized by your financial institution in real-time.<\/p>\n<\/div><\/li> <\/ul>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n <\/p>\n\n\n\n With Interac <\/em>Debit, you have the choice of so many online and physical stores to shop from<\/a>, all with the ability to pay with your own money, quickly and securely from your own bank account.<\/p>\n\n\n\n Questions this section will answer<\/strong><\/em>:<\/p>\n\n\n\n Interac <\/em>Debit allows you to pay for products and services using money directly from your bank account. But how can you use<\/em> Interac<\/em> Debit? Depending on which solutions merchants offer, you can choose contactless, e-commerce or online checkout. Either way, the transaction is approved by your financial institution in real-time.<\/p>\n\n\n\n While products like Interac<\/em> e-Transfer<\/a> move funds between Canadian bank accounts, Interac <\/em>Debit uses a debit card connected to your account, allowing for instant payments with no contact details required. And getting a refund on a transaction is just as easy as making one, as long as you are physically at the storefront with your debit card or mobile wallet. Once authorized by the merchant, the money will be sent right back into your account.<\/p>\n\n\n\n No matter which way you do it, paying with Interac <\/em>Debit is simple and secure.<\/strong> Here\u2019s how to make a contactless payment:<\/p>\n\n\n\n <\/p>\n\n\n\n Are you paying using Chip-and-PIN?<\/strong> Here\u2019s how to make a payment using your debit card:<\/p>\n\n\n\n <\/p>\n\n\n\n <\/p>\n\n\n\n Questions this section will answer:<\/strong><\/em><\/p>\n\n\n\n Getting started with Interac<\/em> Debit is almost as simple as transacting with it.<\/p>\n\n\n\n Upon setting up a Canadian bank account, your financial institution will provide you with a debit card. From there you can step into a whole new way to handle your money. From making purchases in physical and online storefronts and taking cash out with ABM machines to paying with contactless, you\u2019ll soon find that life gets a little easier with Interac <\/em>Debit.<\/p>\n\n\n\n And for a true connected experience, digital wallets like Google Pay and Apple Pay<\/a> can connect your card to a mobile phone or wearable device, allowing you to make payments at participating merchants without even taking your physical debit card out.<\/p>\n\n\n\n <\/p>\n\n\n\n <\/p>\n\n\n\n As we\u2019ve learned so far, Interac<\/em> Debit is more than just a card. It\u2019s a key that opens you up to a variety of services and products.<\/p>\n\n\n\n Cross-border transactions: <\/strong>Making a trip to the United States and notice a debit terminal at a store? You may be able to pay using Interac <\/em>Debit. Thanks to our collaboration with NYCE Payments Network, cross-border payments<\/a> with a Canadian debit card is possible, giving you all the benefits and security of Interac <\/em>Debit, including cashback at selected retailers when you\u2019re in the U.S.<\/p>\n\n\n\n Transit Payments: <\/em><\/strong>Interac <\/em>Debit can also make getting around more convenient on participating transit systems across Canada. Currently Metrolinx in Ontario<\/a> <\/strong>accepts Interac <\/em>Debit and riders can enjoy the convenience of a contactless payment option.<\/p>\n\n\n\n Keeping connected: <\/strong>By connecting your Interac <\/em>Debit card with services such as Google Pay or Apple Pay, you can use your own money to shop for a wide range of products and services on participating websites or where available In-App<\/a>.<\/p>\n\n\n\n Questions this section will answer:<\/em><\/strong><\/p>\n\n\n\n Not only is Interac<\/em> Debit quick and easy to use, it\u2019s also safe.<\/p>\n\n\n\n As the way we spend evolves, so does the need for heightened security. That\u2019s why Interac has a dedicated security team that stays up to date on the latest risks, trends, and protection methods to help ensure that your personal and financial information stays where it should be: with you.<\/p>\n\n\n\n We also make sure that contactless payments with your card or mobile device are just as secure as traditional chip and PIN transaction thanks in part to transaction limits<\/a>.<\/p>\n\n\n\n And if you find yourself in the unfortunate position of experiencing fraud, just know that if the worst happens and you\u2019ve taken precautions as set out in your client agreement with your financial institution, you\u2019re covered with the Zero Liability Policy<\/a>. Contact your financial institution for specific terms.<\/p>\n\n\n\n You can read more about the safety features of Interac <\/em>Debit here<\/a>.<\/p>\n\n\n\n Want to know more about how to make fast and easy transactions? Learn more about how to use Interac <\/em>Debit and other products here<\/a>.<\/p>\n\n\n\n Are you a business owner? Click here to learn more about what Interac <\/em>Debit can do to help your business thrive<\/a><\/p>\n\n\n\nWhat does Interac<\/em> Debit empower you to do?<\/h2>\n\n\n\n
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Trusted brand<\/h6><\/a>
Widespread acceptance<\/h6><\/a>
Best-In-Class security<\/h6><\/a>
Choice in how you pay<\/h6><\/a>
Convenient payments<\/h6><\/a>
e-Commerce payments<\/h6><\/a>
Using your own money<\/h6><\/a>
How Interac <\/em>Debit works<\/h2>\n\n\n\n
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To learn how to use specific features of Interac<\/em> Debit, visit our How To guides:<\/h4>\n\n\n\n
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How to get started with Interac<\/em> Debit<\/h2>\n\n\n\n
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\n\n\n\nWays to use Interac<\/em> Debit in Canada:<\/h4>\n\n\n\n
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\n\n\n\nKeeping your transactions secure<\/h2>\n\n\n\n
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Where to learn more about Interac<\/em> Debit<\/h2>\n\n\n\n