Interac - Digital Payments

Android Pay

What is Interac Debit on Android Pay?

Interac Debit on Android Pay is an easy way for consumers with debit cards issued by participating financial institutions to make fast and secure mobile contactless payments using Android Pay.

What is Android Pay and can I participate as an Interac Debit user?

Canadian Interac Debit cardholders can now use an eligible Interac debit card from their participating financial institutions with Android Pay to pay at merchants who accept Interac Flash contactless payments.

Which cards and devices are eligible for Android Pay?

At this time, Interac debit cards issued by Canadian participating financial institutions are eligible to be added to Android Pay. Please check with your financial institution for more details.

Android Pay works on most NFC-capable devices with Android version 4.4 (KitKat) or higher. NFC-capable devices enable you to make purchases at merchants who display one of these symbols at checkout:

To learn more about how to use Android Pay, please visit android.com/pay.

How can I get Android Pay on my device?

Android Pay may be preloaded on select Android devices. If your device does not have the app, simply download it from Google Play.

When I try to add my debit card to Android Pay, why am I getting a message that says, “This card can’t be added quite yet. Your card will be supported soon. We’ll let you know once you can add your card.”?

This message means that Google hasn’t updated your device yet which is affecting your ability to add your debit card. Google will send you an email and you will receive a notification on your device when it has been updated. You will then be able to add your debit card from a participating financial institution to use Interac Debit on Android Pay.

Where can I use Android Pay?

You can use Interac Debit on Android Pay to make payments in stores with supported terminals wherever Interac Flash payments are accepted.

How can I add my Interac debit card to Android Pay?

Add an eligible participating financial institution’s Interac Debit card to Android Pay by opening the Android Pay app on your eligible device.

Use your device camera to recognize your Interac debit card or enter the card details manually. Then, enter any additional information required, such as your address and phone number. For security reasons, a verification step may be needed to enable your virtual card.

If you have a co-badged card (Interac & Visa or Mastercard debit logo on front of bank card), you will need to enter your Security Code (CVV) and accept your financial institution’s Terms of Use for Android Pay when you add the card to Android Pay.

You may also be subject to your financial institution’s or Android’s own terms & conditions.

I was prompted to receive a one-time Verification Code or to call my bank. What is this and why is it required?

For security purposes, your financial institution may ask you to enter a one-time Verification Code to confirm your identity. This code is a unique series of numbers and/or letters that you can choose to receive via email or SMS.

You may also confirm your identity by logging into your financial institution's mobile banking app, if that functionality is available.

Your one-time Verification Code may expire if you aren’t able to enter it in a designated time frame set by your financial institution.

You can request another code by selecting your preferred verification option again, contacting your financial institution by calling the number on the back of your Interac debit card or using your financial institution’s mobile banking app. If you are unable to get a one-time Verification Code, please contact your financial institution by calling the number on the back of your Interac debit card.

You may also be asked to call your bank who will activate your Interac debit card on Android Pay.

Does my Interac debit card need to be Interac Flash enabled to use it on Android Pay?

No, you do not need an Interac debit card with Interac Flash to use Android Pay. However, your financial institution determines if your Interac debit card is eligible to be added.

Can I put my card on multiple devices?

Your financial institution determines how many devices you can add your Interac debit card to. Please note that your card must be added to each device separately.

Once I add my card, how can I remove Cards from my device?

There are two options to remove your card from your device:

  1. From within Android Pay, select the card you want removed and select "remove card".
  2. Using Android's "Find your phone" service

Your financial institution can suspend your card.

 

What is a Device Account Number and how is it different from my card account number?

For your security, when you add your Interac debit card to Android Pay, a Device Account Number is created for that card on that device. It is separate and unique to your device and different from your physical card number. Your Device Account Number is used to make purchases with your card using Android Pay.

How do I make purchases using Interac on Android Pay?

At checkout, hold the back of your Android device near the contactless terminal. For some transactions, you may be required to authenticate yourself using device unlock. Your phone will beep or vibrate, and you will receive a confirmation on screen.

How will an Android Pay transaction appear on my bank statement?

Interac Debit transactions with Android Pay will appear the same as any Interac Flash payments do today.

How do I get a refund for something I purchased with Android Pay?

Depending on the merchant's policy, you may need to use the contactless reader when instructed by the merchant. When using your mobile device, the merchant will not recognize your physical card but will access the associated virtual card number to credit your return. Returning an item purchased with your mobile device is just like any other return; you will need your receipt (depending on the merchant's policy).

Is my card account number or other information being shared with Android?

When you add your Interac debit card to Android Pay, your account information is not shared with Android. To set up Interac Debit on Android Pay, certain information will be encrypted and then used to generate a unique device account number that is securely stored on your device. Each transaction is authorized with a one-time token so you can pay in confidence knowing your personal financial information is never shared with merchants. Your account number will never be shared with Android. If you have any additional questions about your device’s security features or how Android uses other information, please contact Android directly.

How secure is an Android Pay transaction?

Your Interac debit card in Android Pay is protected by your fingerprint or Android's standard device unlock (ie. passcode, pin or pattern). For your security, some transactions may require you to unlock your phone in order to authenticate your purchase. All transactions also go through the Interac Token Service Provider (TSP), a proprietary token platform to ensure the safety and privacy of your financial information.

Are the transactions listed anywhere for my card in Android Pay?

Interac Debit on Android Pay transaction information can be found when you select your Interac debit card within Android Pay.

If I receive a replacement card, do I need to update my card information with Android Pay?

No, you do not need to update your card in Android Pay. If you have problems, you will need to contact your financial institution.

My device is lost or was stolen and I want to delete my card. What should I do?

If you believe your device or Android Pay card information has been lost, stolen or compromised in any way, call your financial institution immediately at the number on the back of your card.

If the remote location access for your device is turned on in advance, you can remotely lock your device or do a factory reset, take these steps:

  • Sign in to your Google account on your device in order to use Find My Device
  • To turn on the location access from your device's apps menu, open Google Settings and touch Security
  • Under Find My Device, move the switches next to ”Remotely locate this device” and ”Allow remote lock and factory reset” to the On position.

Is Interac Debit on Android Pay different than Interac Online?

Yes. Interac Debit on Android Pay enables you to make purchases with your device when purchasing in-store with a contactless terminal. Interac Online is available within select merchants’ online checkout pages, allowing you to pay by Interac Debit.

What is the difference between Interac Debit on Android Pay and Interac within my financial institution's mobile wallet using my Android device?

These are two different wallets with different experiences, but both allow you to make Interac Debit transactions safely and securely./p>

Is there a fee associated with using Interac Debit on Android Pay?

No. Interac Debit on Android Pay is the same as an Interac Flash transaction. Please check with your financial institution.

What is Interac Debit on Android Pay?

Interac Debit on Android Pay is an easy way for consumers with debit cards issued by participating financial institutions to make fast and secure mobile contactless payments using Android Pay.

Apple Pay

What is Interac with Apple Pay?

Interac with Apple Pay is a new way to make contactless debit payments using Interac on your eligible Apple device.

What is Apple Pay and can I participate as an Interac debit user?

Canadian ATB Financial, BMO, CIBC, Desjardins, L'Alliance, RBC, Scotiabank, TD and UNI Interac debit card members can now use an eligible Interac debit card with Apple Pay to pay at merchants who accept Interac Flash contactless payments.

Which cards and devices are eligible for Apple Pay?

At this time, Canadian BMO, CIBC, Desjardins, RBC, Scotiabank, and TD Interac debit cards are eligible to be added to Apple Pay. Please check with your financial institution for more details. To use Apple Pay in-store, you must have an iPhone 6 or later or an Apple® Watch that is paired with an iPhone 5 or later. To learn more about how to use Apple Pay, please visit apple.com/apple-pay.

Where can I use Apple Pay?

You can use Interac with Apple Pay to make payments in stores with supported devices wherever Interac Flash payments are accepted. Just look for the Interac Flash logo at checkout.

How can I add my card to Apple Pay?

1. To add your Interac debit card on a supported iPhone, go to “Settings,” open “Wallet & Apple Pay,” and select “Add Credit or Debit Card.” On a supported iPhone, you can also open the Wallet app and select “Add Credit or Debit Card” or select the (+) sign in the upper right hand corner.

2.To add your Interac debit card on Apple Watch, you must first pair your Watch with a supported iPhone running on iOS 9.2 or later using the Apple Watch app. Once paired, open the Apple Watch app on your iPhone, select "Wallet & Apple Pay" and then tap "Add Credit or Debit Card."

Please note that the iPhone 5, 5c and 5s only enable payments for the Apple Watch. Payments cannot be made with the iPhone 5, 5c or 5s alone. When adding your Interac debit card, you can choose to add the card manually entering your Card information or taking a picture of your card.

In you have a co-badged card (Interac & Visa debit logo on front of bank card), you will always need to enter your Security Code (CVV) and accept the your financial institution’s Terms of Use for Apple Pay each time you add a card to Apple Pay. You are also subject to Apple’s own terms & conditions.

I was prompted to receive a one-time Verification Code or to call my bank. What is this and why is it required?

For security purposes, your financial institution may ask you to enter a one-time Verification Code to confirm your identity. This code is a unique series of numbers and/or letters that you can choose to receive via email or text. If prompted, please select how you wish to receive the one-time Verification Code and then enter that code into the appropriate field. For Apple Watch, you will need to enter the Verification Code for the Card you are adding by going to "Wallet & Apple Pay" in the Apple Watch app on your supported device. Please note that you will need a working Internet or data connection to receive a one-time Verification Code.

Your one-time Verification Code may expire if you aren’t able to enter it within 10 minutes. You can request another code by selecting your preferred verification option again, contacting your financial institution by calling the number of the back of your card or using your financial institutions mobile banking app. If you are unable to get a one-time Verification Code, please contact your financial institution by calling the number on the back of your Card.

You may also be asked to call your bank who will activate your Interac debit card on Apple Pay.

Does my Interac debit card need to be Flash enabled to use it on Apple Pay?

No, you do not need a flash enabled Interac debit card to use Apple Pay. However, your financial institution determines if your Interac debit card can be added.

Can I put multiple cards on my device?

Yes. At this time, Apple allows up to eight cards on a device.

Can I put my card on multiple devices?

Your financial institution determines how many devices you can add your Interac debit card to, up to 10 devices. Please note that your card must be added to each device separately.

Once I add my card, how can I suspend the ability to make payments or remove Cards from my device?

To remove your card on an iPhone 6 or later, select “Remove Card” in the “Wallet & Apple Pay” section of your device “Settings” or on the back of your Card in the Wallet app. You can also visit icloud.com/settings to remove your card or Find My iPhone to temporarily suspend or permanently remove the ability to pay with your Cards on your device.

To remove your card on Apple Watch, go to "Wallet" on your Apple Watch device, select your card then hold and tap "Delete" to remove your card. Additionally, you can remove your card using the Apple Watch app on your iPhone. Open the Apple Watch app, select "Wallet & Apple Pay", then select your card and navigate to the bottom and tap "Remove card." Please note that you can always visit icloud.com/settings to remove your card on Apple Watch.

What is a Device Account Number and how is it different from my card account number?

For your security, when you add your Interac debit card to Apple Pay, a Device Account Number is created for that card on that device. It is separate and unique to your device and different from your physical card number. Your Device Account Number is used to make purchases with your card using Apple Pay.

How will an Apple Pay transaction appear on my bank statement?

Interac Debit transactions with Apple Pay will appear the same as any Interac Flash payments do today.

How do I get a refund for something I purchased with Apple Pay?

If you need to make a return for a purchase made with Apple Pay you can receive refunds to your account. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for your card, visit the “Wallet & Apple Pay” section of your device “Settings” or on the back of your card in the Wallet app.

Where can I view and manage my card in Apple Pay?

For an iPhone 6 or later, you can view and manage your cards in Apple Pay by going to “Settings” and selecting “Wallet & Apple Pay.” By tapping on an individual card, you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay.

For iPhone 6 or later, you can also view and manage your cards in the Wallet app. When you select an individual card, you can tap the “i” to get to the back of the card, where you can view the “Transaction Display” and manage the settings associated with that card in Apple Pay.

For Apple Watch, you can view and manage your cards on Apple Watch within the Apple Watch app on your iPhone. Simply tap on an individual card to manage the settings associated with that card in Apple Pay. The Apple Watch app will not display transaction detail or transaction history.

I’m getting notifications for my card in Apple Pay on my device. What are these notifications and how can I turn them on/off?

You will receive “Card Notifications” for your Interac debit card in Apple Pay on iPhone  letting you know about Interac debit purchases made with Apple Pay. You can turn your notifications on or off by adjusting the “Card Notifications” settings for each Card within the “Wallet & Apple Pay” section of your device “Settings.” Please keep in mind that by turning off your “Card Notifications,” you will no longer receive transaction notifications.

You will not receive specific "Card Notifications" for cards added to Apple Pay for your Apple Watch. You may receive notifications on your Apple Watch if you have a card added to Apple Pay on your paired iPhone and have push notifications enabled.

Is my card account number or other information being shared with Apple?

To help provide the best Interac with Apple Pay experience, certain account information will be displayed on your device but not your full account information. We will never share your card number with Apple. If you have any additional questions about your device’s security features, please contact Apple directly.

How secure is an Apple Pay transaction?

Your Interac debit card in Apple Pay is protected by “Touch ID” and/or your device “Passcode.” For your security, when you make a purchase using Apple Pay, you must either use “Touch ID” or the “Passcode” for your device. All of your payment information will be encrypted in the Secure Element, a dedicated chip in your device.

All transactions also go through the Interac Token Service Provider (TSP), a proprietary token platform to ensure the safety and privacy of your financial information.

Are the transactions listed anywhere for my card in Apple Pay?

Yes, to view your latest transaction, tap the image of your debit card inside your mobile wallet, and then tap the i icon. The payment information that is displayed differs between each financial institution, so you will either see your latest transaction, or a series of transactions. This may also include all debit transactions, or just the ones conducted on your mobile device. Always refer to your account statement for final transaction details. If you have additional questions, please contact your financial institution directly.

My device is lost or was stolen and I want to delete my card. What should I do?

If you believe your device or Apple Pay card information has been lost, stolen or compromised in any way, call your financial institution immediately at the number on the back of your card.

For an iPhone, you can go to the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline. If you suspend your card(s) using Find My iPhone, you can reactivate your card(s) simply by unlocking your device and entering your Apple ID "Passcode" when prompted. For any supported Apple device, you can always go to icloud.com/settings, choose the applicable device and delete your card(s).

Is the Interac debit card in Apple Pay different than INTERAC Online?

Yes. The Interac debit card in Apple Pay enables you to make purchases with your device when purchasing in-store with a contactless terminal. Interac Online is available within select merchant’s online checkout page, allowing you to pay by Interac Debit.