Interac Debit contactless payment offers a fast way for your customers to pay, meaning minimal wait times, and more time for you to serve more customers. And fast payment processing time means your business gets fast access to funds sent directly to your account.
Accept payments with Interac® Debit
Give your customer the confidence of checking out using their own money with Interac Debit.
Ways to offer Interac Debit Solutions
Power your business with secure and convenient Interac Debit payment solutions.
Interac Debit contactless payments are a popular checkout choice for consumers, and businesses have several options to accept them:
- Tap to pay on smartphones: Accept contactless payments directly on a compatible smartphone, no extra hardware needed1.
- Mobile card readers: Use a card reader that connects to a compatible smartphone or tablet.
- POS terminals: Integrate contactless payments with a point-of-sale system.
With contactless payments, you get the benefits of:
- Streamlined payments for quicker checkouts
- Immediate access to funds
- No chargebacks – ever
- Secure transactions
- Economical fees
How it works with Interac Debit
Your customers can simply tap their debit card or mobile phone to pay2 – no PIN needed (ask your acquirer3 for more details). They can tap on a card reader, terminal, or directly on an eligible smartphone, depending on the merchant’s set-up. It’s as safe and secure as all our Interac payment solutions.
Accepting contactless payments directly on smartphones
With Tap to Pay on iPhone and Tap to Pay on Android, businesses across Canada can accept contactless payments while they’re on the go, directly on their compatible smartphones1. Enjoy the freedom to accept contactless payments wherever your customers are, without being tied down by extra hardware or fixed terminals.
Learn more about Tap to Pay on iPhone
Accepting contactless payments with a card reader
Busy on-the-go businesses can enjoy the ease and flexibility of accepting contactless Interac Debit payments with a card reader. This affordable solution lets customers pay with a card through chip and pin or with a simple tap – using either their card or smartphone – near the contactless symbol of the reader. Plus, you can process transactions directly on your device without needing a complex integrated system.
Need to accept payments beyond the $250.00 contactless limits?
Learn more about chip and pin payments.
Accepting contactless payments with a POS terminal
Operating in-store? Streamline your checkout process and delight your customers with the speed and convenience of Interac Debit contactless payments on your POS terminal. Customers can pay quickly and easily with just a tap, reducing wait times and enhancing their in-store experience. Talk to your Acquirer about activating Interac Debit contactless payments on your POS terminal today and experience the benefits of this popular payment method.
Want to know more about Interac Debit?
Unlock the full potential of Interac Debit with helpful usage resources.
Secure transactions
From chip technology to tokenization and fraud prevention, Interac has state-of-the-art security measures in place.
Protect your paymentsWhich financial institutions offer Interac Debit features?
Filter by Alphabet
A
- ABCU Credit Union
- ATB Financial
- Acadian Credit Union
- Accent Credit Union
- Access Credit Union
- Advance Savings Credit Union
- Affinity Credit Union
- Airline Financial Credit Union
- Aldergrove Credit Union
- All Trans Credit Union Limited
- Alterna Savings and Credit Union Limited [Alterna Savings]
- Assiniboine Credit Union
- Atlantic Edge Credit Union (formerly Eagle River Credit Union)
- Atlantic Edge Credit Union (formerly Leading Edge Credit Union)
B
- BCU Financial
- BMO Bank of Montreal
- Bay Credit Union
- Bay St. Lawrence Credit Union Limited
- Bayview Credit Union
- Beaubear Credit Union
- Belgian Alliance Credit Union
- Bengough Credit Union
- Biggar & District Credit Union
- Blackville Credit Union
- BlueShore Financial
- Bow Valley Credit Union
- Bruno Credit Union
- Bulkley Valley Credit Union
C
- CECC Credit Union
- CIBC
- Caisse Financial Group
- Caisse Populaire de Clare
- Calgary Police Credit Union Ltd.
- Cambrian Credit Union
- Canadian Western Bank
- Cape Breton Credit Union
- Carpathia Credit Union
- Casera Credit Union
- Christian Credit Union
- Churchbridge Credit Union
- Citizens Credit Union Limited
- City Savings Financial Services
- Coast Capital Savings Credit Union
- Coastal Community Credit Union
- Coastal Financial Credit Union
- Community Credit Union Limited
- Community Credit Union of Cumberland Colchester
- Compass Credit Union
- Compensation Employees Credit Union
- Conexus Credit Union
- Connect First Credit Union
- Consolidated Credit Union
- Copperfin Credit Union
- Cornerstone Credit Union
- Credit Union Atlantic
- Creston & District Credit Union
- Crossroads Credit Union
- Cypress Credit Union
D
E
F
H
I
K
L
M
N
- NBTA Credit Union
- National Bank of Canada
- Nelson Credit Union
- New Ross Credit Union
- New Waterford Credit Union
- Newfoundland and Labrador Credit Union
- Niverville Credit Union
- North Peace Savings
- North Sydney Credit Union
- North Valley Credit Union
- Northern Credit Union
- Northern Savings Credit Union
- Noventis Credit Union
O
P
- PACE Credit Union
- PARAMA Credit Union
- Pathwise Credit Union
- Peace Hills Trust
- PenFinancial Credit Union
- Prairie Centre Credit Union
- Prairie Pride Credit Union
- Princess Credit Union
- Progressive Credit Union
- Prospera Credit Union
- Provincial Credit Union
- Provincial Government Employees Credit Union
- Public Service Credit Union
R
S
- Salmon Arm Savings and Credit Union
- Sandhills Credit Union
- Saskatoon City Employees Credit Union
- Scotiabank
- Servus Credit Union Ltd.
- Sharons Credit Union
- Simplii Financial
- Souris Credit Union
- Southwest Regional Credit Union
- St. Gregor Credit Union
- St. Joseph’s Credit Union
- St. Stanislaus – St. Casimir’s Polish
- Steinbach Credit Union
- Stoughton Credit Union
- Stride Credit Union
- Sudbury Credit Union
- Summerland Credit Union
- Sunova Credit Union
- Sunrise Credit Union
- Sunshine Coast Credit Union
- Swan Valley Credit Union
- Sydney Credit Union
- Synergy Credit Union
T
- TCU Financial Group
- TD Canada Trust
- Taiwanese Canadian Toronto Credit Union
- Talka Credit Union Limited
- Tandia Financial Credit Union
- Tangerine
- Teachers Plus Credit Union
- The Credit Union
- The Energy Credit Union
- The Police Credit Union
- Thorold Credit Union
- Tignish Credit Union
- Toronto Municipal Employees’ Credit Union Limited
- Turtleford Credit Union
V
W
How small business owners can stay in charge during crunch time.
Discover strategies for staying in control during peak seasons.
Have More Questions?
How small business owners can stay in charge during crunch time
Discover valuable insights and strategies for small business owners to stay in control during peak seasons.
Read ArticleFind answers to common questions.
Have any questions about Interac Debit for Business? Get fast answers on our Support page.
FAQsSee how it can help your day-to-day operations.
Learn more about the practical features of Interac Debit and how it can help your business.
See It in ActionParticipation eligibility and suspension criteria
The below sets out a high-level summary of eligibility criteria for service participation and a summary of circumstances in which a Participant may be suspended from the service. In addition to the eligibility criteria summarized below, Participants are required to meet all the requirements (including technical requirements) found in the service’s governing documents. If your organization fits within the eligibility criteria below and would like to discuss participation in Interac’s services, please contact participation@interac.ca.
Interac Flash and Interac Debit
The following entities are eligible to become Participants on the Interac Flash and Interac Debit services:
Issuers: The following financial institutions are eligible to participate as an Issuer:- a bank;
- a Central Cooperative Credit Society, a Cooperative Credit Association or a local cooperative credit society;
- a foreign bank operating at least one full-service branch in Canada;
- a foreign life insurance company;
- a trustee of a qualified trust; or
- a designated foreign financial institution.
Acquirers: Entities that operate card-accepting devices (contact and/or contactless) at the point-of-sale, which capture and transmit relevant data, needed to undertake a transaction to the Issuer.
Suspension:
Issuers and/or Acquirers can be immediately suspended where Interac determines that actions or omissions have resulted, or will result, in a material adverse effect upon the security or integrity of Interac Flash and Interac Debit or a material financial loss to one or more Participants or Interac.A Participant may be suspended at a later date if Interac determines that the Participant is not in good standing and that immediate suspension is not required.
Interac Mobile Debit:
To be eligible to become a Participant in Interac Mobile Debit service, participation in Interac Debit as either an Issuer and/or Acquirer is required.
Suspension:
Participants can be immediately suspended if they no longer meet the criteria for participation criteria or have committed a material breach of the governing documents, and Interac determines that this will likely have a detrimental effect on the Interac Mobile Debit service.A Participant may be suspended at a later date if Interac determines that the Participant is not in good standing and that immediate suspension is not required. Interac may also temporarily suspend Participants who are unable to properly participate in the network due to technical problems.
Interac Token Service Provider (TSP):
To be eligible to become a Participant in Interac TSP, participation in Interac Mobile Debit as an Issuer is required.
Suspension:
Participants can be immediately suspended if they fail to perform or observe any material obligation, are in financial default, or fail to make payment of certain fees when due. Interac may suspend a Participant if- the technology platform provider is suspending or discontinuing Interac’s access to specific functionality of the platform or the platform as a whole,
- the Participant has been suspended by the technology platform provider,
- the Participant is suspended from Interac Mobile Debit,
- they cease to participate in Interac Mobile Debit,
- a security breach occurs by the Participant or due to an action on the part of the Participant, or
- its affiliates or representatives place Interac’s network or systems or other Participants at risk.
Disclaimer
1Tap to Pay on iPhone requires a supported payment app and the latest version of iOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Some contactless cards may not be accepted by your payment app. Transaction limits may apply. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Tap to Pay on iPhone is not available in all markets. For Tap to Pay on iPhone countries and regions, see https://developer.apple.com/tap-to-pay/regions/
2For contactless payments, transaction limits are set and will vary based on the financial institution
3Works with a number of payment platforms in Canada, such as Adyen, Moneris, Stripe, and Square. Contact your acquirer for more details.
4For 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.
5Google, Google Pay and the Google logo are trademarks of Google INC. All trademarks are the property of their respective owners.
6Interac recognized as the most trusted financial services brand in Canada for 2023.