{"id":163358,"date":"2024-04-15T16:03:12","date_gmt":"2024-04-15T20:03:12","guid":{"rendered":"https:\/\/interac1.wpengine.com\/?post_type=payments&#038;p=163358"},"modified":"2026-02-10T09:54:29","modified_gmt":"2026-02-10T14:54:29","slug":"understanding-fees","status":"publish","type":"payments","link":"https:\/\/www.interac.ca\/en\/payments\/business\/understanding-fees\/","title":{"rendered":"Understanding Fees"},"content":{"rendered":"<section id=\"t4-hero-block_ca936dfe4c5f855df41f71114e4067d7\" 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>Understanding Business Fees <\/h1>\n            <\/div>\n                            <div class=\"cell small-12 hero-text\">\n                    Learn more about Interac Debit, Interac e-Transfer and Interac Direct fees                <\/div>\n                                        <div class=\"cell small-12 hero-scroll\" data-smooth-scroll>\n                    <a class=\"--noborder\" href=\"#learn-how-fees-work-at-Interac\"><i class=\"fal fa-chevron-down animated bounce\"><\/i><\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"interac-breadcrumbs-block_52945c57367bd6fbfcbdfa1250ba526e\" class=\"interac-breadcrumbs\" style=\"background-color:#ffffff; margin-top: 0px; margin-bottom: 50px; padding-top: 0px; padding-bottom: 0px;\">\n    <div class=\"grid-container\">\n        <div class=\"grid-x grid-margin-x\">\n            <div class=\"cell small-12\">\n                <nav aria-label=\"Breadcrumb\" class=\"breadcrumb\"><ul class=\"breadcrumbs\"><\/ul><\/nav>            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<h2 class=\"wp-block-heading\" id=\"h-learn-how-fees-work-at-interac\">Learn how fees work at Interac<\/h2>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<p><\/p>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<h3 class=\"wp-block-heading\" id=\"h-interac-e-transfer-fees-for-financial-institutions\">Interac e-Transfer Fees for Financial Institutions <\/h3>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<p>Please note, the Interac e-Transfer fees listed below are wholesale fees paid by financial institutions. Interac does not charge Interac e-Transfer fees directly to end customers.<\/p>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<p>If you are a consumer or a business owner and have specific questions about Interac e-Transfer fees, please contact your financial institution. <\/p>\n<\/div><\/div>\n\n\n<section id=\"accordion-block_f32c5a32ca2061d53b5d79bb6005e800\" class=\"accordion-content-block\" style=\"margin-top: 0px; margin-bottom: 74px;\">\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=\"#interac-e-transfer-transaction-fees\" class=\"accordion-title\"><h6>Interac e-Transfer Transaction Fees<\/h6><\/a> <div id=\"interac-e-transfer-transaction-fees\" class=\"accordion-content\" data-tab-content><p><strong>Interac e-Transfer Send Money &amp; Retail Request Money:<\/strong><\/p>\n<ul>\n<li>Non-on-us Transaction: $0.08\/transaction<\/li>\n<li>On-us Transaction: $0.04\/transaction<\/li>\n<li>Request Money Fulfillment Fee: Requester\u2019s Participant will be required to pay the Responder\u2019s Participant with an additional $0.10 per fulfillment<\/li>\n<li>Request Money Initiation Fee: Requester&#8217;s Participant will be charged additional $0.01\/initiation, regardless of whether such transaction is fulfilled or not<\/li>\n<\/ul>\n<p><strong>Interac e-Transfer Business Request Money<\/strong><\/p>\n<p>Ad valorem option:<\/p>\n<ul>\n<li>Requester\u2019s Participant Fee: 35 bps* (of which 25 bps* is paid to Responder\u2019s Participant).<\/li>\n<li>Ad-valorem fee is capped at $3.50\/transaction<\/li>\n<\/ul>\n<p>Flat Fee (based on non-retail customer meeting qualification criteria):<\/p>\n<ul>\n<li>Requester\u2019s Participant Fee: $0.35 \/ transaction (of which $0.25 is paid to Responder\u2019s Participant).<\/li>\n<li>Participant will pay a one-time onboarding fee of $2,000.00 per non-retail customer meeting qualification criteria.<\/li>\n<\/ul>\n<p><strong>High-volume Recipient Fee (Send Money Transactions)<\/strong><\/p>\n<ul>\n<li>Receiving Participant Fee: $0.05\/transaction<\/li>\n<\/ul>\n<p><strong>SMS Fees<\/strong><\/p>\n<ul>\n<li>$0.015 per SMS notification<\/li>\n<\/ul>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#interac-e-transfer-bulk-fees\" class=\"accordion-title\"><h6>Interac e-Transfer Bulk Fees<\/h6><\/a> <div id=\"interac-e-transfer-bulk-fees\" class=\"accordion-content\" data-tab-content><p><strong>Bulk Payables:<\/strong><\/p>\n<ul>\n<li>Transaction Processing fee &#8211; $0.05 \/ transaction<\/li>\n<\/ul>\n<p><strong>Bulk Receivables:<\/strong><\/p>\n<ul>\n<li>Transaction Processing fee &#8211; $0.02 \/ request, $0.03 \/ fulfillment<\/li>\n<li>Fulfillment Fee \u2013 Requestor Participant will be required to pay the Responder Participant with an additional $0.10 per fulfillment<\/li>\n<\/ul>\n<p><strong>File and Transaction Fees (Legacy) \u2013 Regular Processing:<\/strong><\/p>\n<ul>\n<li>File Processing fee &#8211; $5.00 \/ file<\/li>\n<li>Transaction Processing fee &#8211; $0.07 \/ transaction<\/li>\n<\/ul>\n<p><strong>File and Transaction Fees (Legacy) \u2013 Priority Processing:<\/strong><\/p>\n<ul>\n<li>File Processing fee \u2013 No charge<\/li>\n<li>Transaction Process fee &#8211; $0.32 \/ transaction<\/li>\n<\/ul>\n<p><strong>File and Transaction Fees (Legacy) \u2013 Custom Notification:<\/strong><\/p>\n<ul>\n<li>Transaction processing fee &#8211; $0.05 \/ transaction<\/li>\n<\/ul>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#sundry-fees-applicable-to-both-interac-e-transfer-and-interac-e-transfer-bulk\" class=\"accordion-title\"><h6>Sundry Fees, applicable to both Interac e-Transfer and Interac e-Transfer Bulk<\/h6><\/a> <div id=\"sundry-fees-applicable-to-both-interac-e-transfer-and-interac-e-transfer-bulk\" class=\"accordion-content\" data-tab-content><p><strong>Implementation and Onboarding Support Fees<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li>$250\/hour<\/li>\n<li><span style=\"font-size: inherit\">Bank of hours billed at $220\/hour with minimum 250 hours bank.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>One-time Onboarding Fees<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li>$50,000 for a direct connection<\/li>\n<li>$5,000 for an indirect connection<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Monthly Operating Fees<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li>$20,000 for each direct connection<\/li>\n<li>$1,500 for each of the first 9 indirect connections<\/li>\n<li>$500 for each indirect connection beyond 9<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Monthly Network\/Telecom Fee (Charged by the telecom companies)<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li>$1,000 &#8211; $10,000 per site<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Test Environment Maintenance Fee:<\/strong><\/p>\n<ul>\n<li>$150\/day<\/li>\n<\/ul>\n<p><strong>Interac e-Transfer Operational Support Activities:<\/strong><\/p>\n<ul>\n<li>$250\/hour<\/li>\n<\/ul>\n<\/div><\/li>                <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<h3 class=\"wp-block-heading\" id=\"h-interac-debit\">Interac Debit<\/h3>\n<\/div><\/div>\n\n\n<section id=\"accordion-block_6504f90f5ff96e1be1f73fc6770a7d4b\" class=\"accordion-content-block\" style=\"margin-top: 0px; margin-bottom: 74px;\">\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=\"#switch-fee-and-mobile-service-fee\" class=\"accordion-title\"><h6>Switch Fee and Mobile Service Fee<\/h6><\/a> <div id=\"switch-fee-and-mobile-service-fee\" class=\"accordion-content\" data-tab-content><ul>\n<li>Switch Fee:\n<ul>\n<li>Interac Debit ABM Withdrawals: $0.015881<\/li>\n<li>Interac Debit (Chip &amp; PIN, card contactless): $0.013985<\/li>\n<\/ul>\n<\/li>\n<li>Mobile Service Fee:\n<ul>\n<li>Interac Debit (mobile contactless): $0.013985<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#fees-for-interac-debit-for-ecommerce-inappinbrowser-with-apple-pay-and-google-pay\" class=\"accordion-title\"><h6>Fees for Interac Debit for eCommerce (InApp\/InBrowser) with Apple Pay and Google Pay<\/h6><\/a> <div id=\"fees-for-interac-debit-for-ecommerce-inappinbrowser-with-apple-pay-and-google-pay\" class=\"accordion-content\" data-tab-content><p>Issuer Switch Fee: $0.013985<\/p>\n<p>Acquirer Service Fee: $0.025<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#interchange-fee\" class=\"accordion-title\"><h6>Interchange Fee<\/h6><\/a> <div id=\"interchange-fee\" class=\"accordion-content\" data-tab-content><figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Product<\/th>\n<th>Interchange Fee<\/th>\n<th>Applicability<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ABM Withdrawals<\/td>\n<td>$0.75 flat-fee<\/td>\n<td>Per completed cash withdrawal transaction paid by Issuer to Acquirer<\/td>\n<\/tr>\n<tr>\n<td>Contactless Payments<\/td>\n<td>See Contactless Payment Interchange Structure <a href=\"#contactless-payment-interchange-structure\">tab below<\/a><\/td>\n<td>Per completed card and mobile debit contactless purchase transaction, and based on qualifying tier of merchant from which transactions originate; paid by Acquirer to Issuer.<\/td>\n<\/tr>\n<tr>\n<td>Interac Debit for eCommerce (InApp\/Browser) with Apple Pay* and Google Pay**<\/td>\n<td>See Interac Debit for eCommerce (InApp\/InBrowser) with Apple Pay and Google Pay Interchange Fee <a href=\"#interac-debit-for-ecommerce-inappinbrowser-with-apple-pay-and-google-pay-interchange-structure\">tab below<\/a><\/td>\n<td>Per completed purchase transaction and based on qualifying tier of merchant transactions; paid by Acquirer to Issuer<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#contactless-payment-interchange-structure\" class=\"accordion-title\"><h6>Contactless Payment Interchange Structure<\/h6><\/a> <div id=\"contactless-payment-interchange-structure\" class=\"accordion-content\" data-tab-content><figure class=\"wp-block-table is-style-regular center\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Transaction Amount<\/th>\n<th>Interchange Tiers<\/th>\n<th>Flat-fee Per Transaction<\/th>\n<th>Criteria for Merchant Qualification<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td rowspan=\"3\" valign=\"middle\">Transaction from $0.01 to $100.00<\/td>\n<td><strong>Tier 1<\/strong><br \/>\nLow-ticket Merchants<\/td>\n<td>$0.020<\/td>\n<td>Merchants in the following qualifying segments:<\/p>\n<ul>\n<li>Fast Food Restaurants (MCC 5814)<\/li>\n<li>Variety Stores (MCC 5331)<\/li>\n<li>Movie Theatres (MCC 7832)<\/li>\n<li>Convenience Stores (MCC 5499)<\/li>\n<li>Bakeries (MCC 5462)<\/li>\n<li>Dairy Product Stores (MCC 5451)<\/li>\n<li>Limousines and Taxicabs (MCC 4121)<\/li>\n<li>News Dealers and Newsstands (MCC 5994)<\/li>\n<li>Charitable and Social Services Organizations (MCC 8398)<\/li>\n<li>Transportation \u2013 Suburban and Local Commuter Passenger (MCC 4111)<\/li>\n<li>Toll Roads\/Bridges (MCC 4784)<\/li>\n<li>Passenger Railways (MCC 4112)<\/li>\n<li>Bus Lines (MCC 4131)*<\/li>\n<li>Candy, Nut, Confectionary Stores (MCC 5441)<\/li>\n<li>Auto Store, Home Supply Stores (MCC 5531)<\/li>\n<li>Electric Vehicle Charging (MCC 5552)<\/li>\n<li>Caterers (MCC 5811)<\/li>\n<li>Cleaning, Garment, and Laundry Services (MCC 7210)<\/li>\n<li>Laundry Services-Family and Commercial (MCC 7211)<\/li>\n<li>Automobile Parking Lots and Garages (MCC 7523)<\/li>\n<li>Car Washes (MCC 7542)<\/li>\n<li>Nursing and Personal Care Facilities (MCC 8050)<\/li>\n<li>Hospitals (MCC 8062)<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Tier 2<\/strong><br \/>\nHigh-volume Merchants<\/td>\n<td>$0.025<\/td>\n<td>Merchants and merchant enterprises that meet the minimum annual transaction volume threshold of 20 million Interac Debit Contactless transactions, based on transaction volume in the previous calendar year.<\/td>\n<\/tr>\n<tr>\n<td><strong>Tier 3<\/strong><br \/>\nAll other Merchants<\/td>\n<td>$0.035<\/td>\n<td>Merchants that do not otherwise qualify for Tier 1 and Tier 2.<\/td>\n<\/tr>\n<tr>\n<td>Transaction from $100.01 to $250.00<\/td>\n<td><strong>Tier 4<\/strong><br \/>\nAll Merchants<\/td>\n<td>$0.055<\/td>\n<td>All Merchants<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#interac-debit-for-ecommerce-inappinbrowser-with-apple-pay-and-google-pay-interchange-structure\" class=\"accordion-title\"><h6>Interac Debit for eCommerce (InApp\/InBrowser) with Apple Pay and Google Pay Interchange Structure<\/h6><\/a> <div id=\"interac-debit-for-ecommerce-inappinbrowser-with-apple-pay-and-google-pay-interchange-structure\" class=\"accordion-content\" data-tab-content><figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Interchange Tier<\/th>\n<th>Interchange Fee<\/th>\n<th>Criteria for Qualifications<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Tier 1 (Default)<\/td>\n<td>60 bps (0.6%) per transaction (capped $300 at $1.80)<\/td>\n<td>Merchants who don\u2019t qualify for Tier 2, 3 or 4<\/td>\n<\/tr>\n<tr>\n<td>Tier 2<\/td>\n<td>57.5 bps (0.575%) per transaction (capped $300 at $1.725)<\/td>\n<td>Merchants with 500,001 -1,000,000 transactions in the previous calendar year in the following MCCs:<br \/>\n&#8211; Local and Suburban Commuter Passenger Transportation (MCC 4111)<br \/>\n&#8211; Wholesale Clubs (MCC 5300)<br \/>\n&#8211; Discount Stores (MCC 5310)<br \/>\n&#8211; Grocery Stores and Supermarkets (MCC 5411)<br \/>\n&#8211; Taxicabs and Limousines (MCC 4121)<br \/>\n&#8211; Clothing and Accessories (MCC 5611,5137, 5621, 5631, 5641, 5651,5661, 5691)<br \/>\n&#8211; Package Stores Beer, Wine, Liquor (MCC 5921)<br \/>\n&#8211; Parking Lots and Garages (MCC 7523)<\/td>\n<\/tr>\n<tr>\n<td>Tier 3<\/td>\n<td>55 bps (0.55%) per transaction (capped $300 at $1.65)<\/td>\n<td>Merchants with greater than 1,000,000 transactions in the previous calendar year in the following MCCs:<br \/>\n&#8211; Local and Suburban Commuter Passenger Transportation (MCC 4111)<br \/>\n&#8211; Wholesale Clubs (MCC 5300)<br \/>\n&#8211; Discount Stores (MCC 5310)<br \/>\n&#8211; Grocery Stores and Supermarkets (MCC 5411)<br \/>\n&#8211; Taxicabs and Limousines (MCC 4121)<br \/>\n&#8211; Clothing and Accessories (MCC 5611,5137, 5621, 5631, 5641, 5651,5661, 5691)<br \/>\n&#8211; Package Stores Beer, Wine, Liquor (MCC 5921)<br \/>\n&#8211; Parking Lots and Garages (MCC 7523)<\/td>\n<\/tr>\n<tr>\n<td>Tier 4<\/td>\n<td>$0.35\/per transaction<\/td>\n<td>\u2018Tax Payments\u2019 MCC: 9311<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<\/div><\/li>                <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<p><\/p>\n<\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<h3 class=\"wp-block-heading\" id=\"h-interac-direct\">Interac Direct<\/h3>\n<\/div><\/div>\n\n\n<section id=\"accordion-block_53f5b0d1c440a6ac73736b9c82e95435\" class=\"accordion-content-block\" style=\"margin-top: 0px; margin-bottom: 74px;\">\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=\"#interac-direct-pricing-structure\" class=\"accordion-title\"><h6>Interac Direct Pricing Structure<\/h6><\/a> <div id=\"interac-direct-pricing-structure\" class=\"accordion-content\" data-tab-content><figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th class=\"has-text-align-center\" data-align=\"center\"><strong>Fee Structure\/elements<\/strong><\/th>\n<th class=\"has-text-align-center\" data-align=\"center\"><strong>Range<\/strong><\/th>\n<th class=\"has-text-align-center\" data-align=\"center\"><strong>Applicability<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">Interchange Fee<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">55 to 70 Basis Points*<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">Per completed Interac Direct transaction paid by the Acquirer to Issuer<\/td>\n<\/tr>\n<tr>\n<td class=\"has-text-align-center\" data-align=\"center\">Interac Brand Fee<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">10 Basis Points<\/td>\n<td class=\"has-text-align-center\" data-align=\"center\">Per initiated Interac Direct transaction paid by the Acquirer to Interac Corp.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><small>*Applicable Interchange Fees are subject to qualifying criteria and may vary based on merchant setup or merchant categories.<\/small><\/p>\n<p><small>Certain Merchant Category Codes may qualify for specialized pricing. Please contact your acquirer for more information.<\/small><\/p>\n<\/div><\/li>                <\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\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\">\n<h3 class=\"wp-block-heading\" id=\"h-learn-more-about-how-fees-work\">Learn more about how fees work<\/h3>\n<\/div><\/div>\n\n\n<section id=\"accordion-block_c0103fbcc14c1ad6d386c51f4cf6143d\" class=\"accordion-content-block\" style=\"margin-top: 0px; margin-bottom: 50px;\">\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=\"#abm-withdrawals\" class=\"accordion-title\"><h6>ABM Withdrawals<\/h6><\/a> <div id=\"abm-withdrawals\" class=\"accordion-content\" data-tab-content><p><img decoding=\"async\" data-src=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/07\/INT_web_graphs_EN_B.jpg.webp\" width=\"1000\" class=\"smush-dimensions lazyload\" style=\"--smush-image-width: 1000px; --smush-image-aspect-ratio: 1000\/343;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/p>\n<p><strong>Switch fee<\/strong> \u2013 ABM Acquirers and Issuing FIs that are participants of Interac Corp. pay a wholesale, flat-rate switch fee for every Interac Cash transaction message that they send to the Interac network. It is an annual, low-cost fee set on a cost recovery basis, and it is the only fee charged by Interac Corp. in connection with Interac Cash transactions.<\/p>\n<p><strong>Interchange fee<\/strong> \u2013 Interchange is a fee that a customer\u2019s financial institution pays to the ABM Acquirer and it is intended to compensate the ABM Acquirer or ABM owner\/operator for the service of providing cash to the Issuing FI\u2019s customer. It is paid for every approved cash withdrawal transaction processed through the Interac network. While Interac Corp. has a role in setting the interchange fee rate, it does not receive any revenue from this fee.<\/p>\n<p><strong>Surcharge fee<\/strong> \u2013 ABM owners\/operators may impose a surcharge (e.g., $2.00) on customers that use their ABMs. An ABM surcharge fee is also known as a convenience fee. As prescribed by the Interac Consent Order issued by the Competition Tribunal, Interac Corp. may not restrict the levying of a surcharge. If imposed, the surcharge amount must be properly disclosed to the customer, and the customer must be provided with the option of cancelling the transaction without cost if they do not wish to pay the surcharge. The amount of the surcharge is determined at the discretion of each ABM owner\/operator.<\/p>\n<p><strong>Acquirer processing fee<\/strong> \u2013 ABM owners\/operators pay a processing fee to the ABM Acquirer that provides them with connection services to the Interac network and the fee may include costs related to other services. The fee varies depending on individual contracts that ABM owners\/operators have with their ABM Acquirers or connection service providers.<\/p>\n<p><strong>FI transaction\/account fee<\/strong> \u2013 Customers may be charged a fee by their financial institution (FI) directly from their bank account for Interac Cash transactions (i.e., use of an ABM for a cash withdrawal that is not operated by their own FI). The application and amount of these fees vary and reflect the individual business decisions made by each individual FI. FIs may also charge a regular transaction account fee for Interac Cash transactions. These FI transaction\/account fees may be included in a customer\u2019s bank account package offered by their FI.<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#interac-debit-chip-pin-card-contactless-and-mobile-contactless\" class=\"accordion-title\"><h6>Interac Debit (Chip &amp; PIN, Card Contactless and Mobile Contactless)<\/h6><\/a> <div id=\"interac-debit-chip-pin-card-contactless-and-mobile-contactless\" class=\"accordion-content\" data-tab-content><p><img decoding=\"async\" data-src=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/07\/INT_web_graphs_EN_B.jpg.webp\" alt=\"\" width=\"1000\" class=\"smush-dimensions lazyload\" style=\"--smush-image-width: 1000px; --smush-image-aspect-ratio: 1000\/343;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-srcset=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/07\/INT_web_graphs_EN_B.jpg.webp 1000w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/07\/INT_web_graphs_EN_B-300x103.jpg.webp 300w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/07\/INT_web_graphs_EN_B-768x263.jpg.webp 768w\" data-sizes=\"auto\" data-original-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><strong>Switch Fee \/ Mobile Service Fee<\/strong> \u2013 POS Acquirers and Issuing FIs that are participants of Interac Corp. pay a wholesale, flat-rate fee for eligible Interac Chip &amp; PIN and card contactless (Switch Fee) and mobile contactless (Mobile Service Fee) transaction message that they send to the Interac network. It is an annual, low-cost fee set on a cost recovery basis, and it is the only fee charged by Interac Corp. in connection with Interac Debit transactions.<\/p>\n<p><strong>Interchange fee<\/strong> \u2013 Interchange is a fee that a POS Acquirer pays to the customer\u2019s financial institution to balance the costs and benefits of offering the service to customers. Interchange for Interac Debit is currently set at zero. Beginning April 2016, a new interchange pricing structure will be introduced for Interac Flash. While Interac Corp has a role is setting the interchange fee rate, it will not receive any revenue from the fee.<\/p>\n<p><strong>Surcharge fee<\/strong> \u2013 The surcharge fee must be capped at $0.25. However, if debit services from more than one payment network are offered at the POS, the surcharge amount must not exceed the other payment network\u2019s surcharge amount. If imposed, the surcharge fee must be printed on the transaction record, and must be applied by the merchant\u2019s applicable Acquirer. The surcharge fee must be properly disclosed to the customer, and the customer must be provided with the option of cancelling the transaction without cost if they do not wish to pay the surcharge. Merchants may not directly apply a surcharge to any cardholder for the use of the Interac Debit Service.<\/p>\n<p><strong>Acquirer processing fee<\/strong> \u2013 Merchants pay a processing fee to the POS Acquirers that provide connection services to the Interac network, and the fee may include costs related to other services. The fee varies depending on individual contracts that merchants have with their POS Acquirers or connection service providers.<\/p>\n<p><strong>FI transaction\/account fee<\/strong> \u2013 Customers may be charged a regular transaction account fee by their financial institution (FI) directly from their bank account for Interac Debit transactions. The application and amount of this fee varies and reflect the individual business decisions made by FIs. The fee may be included in a customer\u2019s bank account package offered by their FI.<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#fees-for-interac-debit-for-ecommerce-inappinbrowser-with-apple-pay-and-google-pay\" class=\"accordion-title\"><h6>Fees for Interac Debit for eCommerce (InApp\/InBrowser) with Apple Pay and Google Pay<\/h6><\/a> <div id=\"fees-for-interac-debit-for-ecommerce-inappinbrowser-with-apple-pay-and-google-pay\" class=\"accordion-content\" data-tab-content><p><img decoding=\"async\" data-src=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/07\/INT_web_graphs_EN_E.jpg.webp\" alt=\"\" width=\"1000\" class=\"smush-dimensions lazyload\" style=\"--smush-image-width: 1000px; --smush-image-aspect-ratio: 1000\/347;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-srcset=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/07\/INT_web_graphs_EN_E.jpg.webp 1000w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/07\/INT_web_graphs_EN_E-300x104.jpg.webp 300w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/07\/INT_web_graphs_EN_E-768x266.jpg.webp 768w\" data-sizes=\"auto\" data-original-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><strong>Issuer Switch Fee<\/strong> \u2013 Participating issuers pay a wholesale, flat-rate transaction fee to Interac for eligible Interac Debit for eCommerce (InApp\/InBrowser) transactions with Apple Pay and Google Pay.<\/p>\n<p><strong>Acquirer Service Fee<\/strong> \u2013 Participating acquirers pay a wholesale, flat-rate transaction fee to Interac for eligible Interac Debit for eCommerce (InApp\/InBrowser) transactions with Apple Pay and Google Pay.<\/p>\n<p><strong>Interchange fee<\/strong> \u2013 Interchange is a fee that an acquirer pays to issuers for each transaction that they initiate and that is subsequently approved by the issuer. Interac will calculate the interchange fee on a per transaction basis. While Interac Corp. has a role in setting the interchange fee rate, it will not receive any revenue from the fee.<\/p>\n<p><strong>Surcharge fee<\/strong> \u2013 The option to impose a surcharge on remote transactions using the Interac Mobile Debit (In-App\/In-Browser) Service will not be permissible to align with market standards.<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#interac-e-transfer-send-money\" class=\"accordion-title\"><h6>Interac e-Transfer (Send Money)<\/h6><\/a> <div id=\"interac-e-transfer-send-money\" class=\"accordion-content\" data-tab-content><p><img decoding=\"async\" data-src=\"https:\/\/www.interac.ca\/wp-content\/uploads\/2025\/06\/INT_web_graphs_EN_C.webp\" alt=\"\" width=\"1000\" class=\"smush-dimensions lazyload\" style=\"--smush-image-width: 1000px; --smush-image-aspect-ratio: 1000\/250;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-srcset=\"https:\/\/www.interac.ca\/wp-content\/uploads\/2025\/06\/INT_web_graphs_EN_C.webp 1000w, https:\/\/www.interac.ca\/wp-content\/uploads\/2025\/06\/INT_web_graphs_EN_C-300x75.webp 300w, https:\/\/www.interac.ca\/wp-content\/uploads\/2025\/06\/INT_web_graphs_EN_C-768x192.webp 768w\" data-sizes=\"auto\" data-original-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><strong>FI service fee<\/strong> \u2013 As of November 1, 2025, Financial institutions (FIs) pay a wholesale flat-fee to Interac Corp. for each Interac e-Transfer transaction they send on behalf of their customers.<\/p>\n<p><strong>FI transaction\/account fee<\/strong> \u2013 Financial institutions (FIs) may charge their customers a fee for sending an Interac e-Transfer transaction. Depending on the banking package, these could be free at your financial institution.<\/p>\n<p>The application and amount of these fees vary and reflect business decisions made by each individual FI. FIs may also charge their customers a regular transaction account fee for Interac e-Transfer transactions. These FI transaction\/account fees may be included in a customer\u2019s bank account package offered by their FI.<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#interac-e-transfer-request-money\" class=\"accordion-title\"><h6>Interac e-Transfer (Request Money)<\/h6><\/a> <div id=\"interac-e-transfer-request-money\" class=\"accordion-content\" data-tab-content><p><img decoding=\"async\" data-src=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/06\/INT_web_graphs_EN_RM.jpg.webp\" alt=\"\" width=\"1000\" class=\"smush-dimensions lazyload\" style=\"--smush-image-width: 1000px; --smush-image-aspect-ratio: 1000\/250;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-srcset=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/06\/INT_web_graphs_EN_RM.jpg.webp 1000w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/06\/INT_web_graphs_EN_RM-300x75.jpg.webp 300w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2025\/06\/INT_web_graphs_EN_RM-768x192.jpg.webp 768w\" data-sizes=\"auto\" data-original-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><strong>FI service fee<\/strong> \u2013 As of November 1, 2025, Financial institutions (FIs) pay a wholesale flat-fee to Interac Corp. for each Interac e-Transfer transaction they send on behalf of their customers.<\/p>\n<p><strong>FI transaction\/account fee<\/strong> \u2013 Financial institutions (FIs) may charge their customers a fee for sending an Interac e-Transfer transaction. Depending on the banking package, these could be free at your financial institution.<\/p>\n<p>The application and amount of these fees vary and reflect business decisions made by each individual FI. FIs may also charge their customers a regular transaction account fee for Interac e-Transfer transactions. These FI transaction\/account fees may be included in a customer\u2019s bank account package offered by their FI.<\/p>\n<\/div><\/li><li class=\"accordion-item\" data-accordion-item><a href=\"#interac-direct\" class=\"accordion-title\"><h6>Interac Direct<\/h6><\/a> <div id=\"interac-direct\" class=\"accordion-content\" data-tab-content><p><img decoding=\"async\" class=\"aligncenter smush-dimensions lazyload\" data-src=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/04\/interac-direct-fees-1.png.webp\" alt=\"\" width=\"624\" style=\"--smush-image-width: 624px; --smush-image-aspect-ratio: 624\/220;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" data-srcset=\"https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/04\/interac-direct-fees-1.png.webp 624w, https:\/\/www.interac.ca\/wp-content\/smush-webp\/2024\/04\/interac-direct-fees-1-300x106.png.webp 300w\" data-sizes=\"auto\" data-original-sizes=\"(max-width: 624px) 100vw, 624px\" \/><\/p>\n<p><strong>Interchange Fee<\/strong> &#8211; An ad valorem fee payable by Acquirers directly to Issuers for every completed transaction initiated and subsequently approved by the Issuers on the Interac Direct service. While Interac Corp. has a role in setting the Interchange Fee rate, it will not receive any revenue from the Interchange Fee.<\/p>\n<p><strong>Interac Brand Fee<\/strong> &#8211; An ad valorem fee payable by Acquirers directly to Interac Corp. for every transaction initiated on the Interac Direct service. The Interac Brand Fee is the only fee charged by Interac Corp. in connection with Interac Direct transactions.<\/p>\n<\/div><\/li>                <\/ul>\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=\"center has-small-font-size\">*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.<\/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 has-small-font-size\">**Google, Google Pay and the Google logo are trademarks of Google INC.<\/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 has-small-font-size\">***All trademarks are the property of their respective owners.<\/p>\n<\/div><\/div><\/div>\n\n<div class=\"grid-container\"><div class=\"grid-x\">\n<script>\njQuery('.header-wrap .brand').removeAttr('href');\n<\/script>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Learn how fees work at Interac Interac e-Transfer Fees for Financial Institutions Please note, the Interac e-Transfer fees listed below are wholesale fees paid by financial institutions. Interac does not charge Interac e-Transfer fees directly to end customers. If you are a consumer or a business owner and have specific questions about Interac e-Transfer fees,&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"template":"","meta":{"_acf_changed":true,"footnotes":""},"payment_categories":[851],"class_list":["post-163358","payments","type-payments","status-publish","hentry","payment_categories-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Understanding Fees - Interac<\/title>\n<meta name=\"description\" content=\"Learn more about Interac Debit, Interac e-Transfer and Interac Direct fees.\" \/>\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\/payments\/business\/understanding-fees\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Fees\" \/>\n<meta property=\"og:description\" content=\"Learn more about Interac Debit, Interac e-Transfer and Interac Direct fees.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.interac.ca\/en\/payments\/business\/understanding-fees\/\" \/>\n<meta property=\"og:site_name\" content=\"Interac\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/interac\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-10T14:54:29+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@interac\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.interac.ca\/en\/payments\/business\/understanding-fees\/\",\"url\":\"https:\/\/www.interac.ca\/en\/payments\/business\/understanding-fees\/\",\"name\":\"Understanding Fees - 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