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. With contactless payments, you get the benefits of:

Increased check-out rates, thanks to faster payment processing
Immediate access to funds
No chargebacks – ever
Secure transactions

How it works

Your customers simply tap their debit card or mobile device on the terminal instead of entering a PIN code. That’s all. It’s as safe and secure as the rest of our Interac payment solutions.

Software-Based PIN on Cots

Focus on growing your business with flexible and low-cost Software-Based PIN on Cots (SPoC) for mobile point-of-sale transactions.

If you are a micro- or small business, a freelancer, or a charity, you can accept payments with ease wherever you may be by integrating a SPoC solution.

SPoC is a software-based approach in which a cardholder can enter their PIN on a merchant-owned mobile device such as a mobile phone or tablet. The cardholder’s PIN is entered on a verified Acquirer APP while their card is inserted into the merchant’s secure card reader.

Enjoy the flexibility of mobile point-of-sale Interac Debit transactions on your device such as a mobile phone or tablet without the need for an integrated payment solution.

For more information, contact an Acquirer to get started.

Shopify

Square Canada Inc.

Online with a mobile device

Interac Debit e-Commerce payments through digital wallets (with Apple Pay* or Google Pay**) allows your customers to bypass the usual online purchase process, including the entry of shipping and payment information. They simply enter their device passcode or use face recognition or biometrics, or other physical recognition security their device provides.

You enjoy the benefit of:

Increased check-out rates, thanks to easier payment processing
Immediate access to funds
No chargebacks – ever
Secure transactions

Plus, all the other benefits of Interac Debit.

Enhance your online store’s payment processes by offering your customers the convenience of paying with their Apple Pay or Google Pay.

Interac Debit Chip and PIN enables your customers to pay with their own money in a matter of seconds. When they make a purchase, they should simply insert their card into the point-of-sale terminal and follow the on-screen instructions to verify the amount, choose between their chequing or savings account, input their PIN, and confirm the transaction.

This payment solution provides you and your customers with multiple advantages, including:

Secure and easy transactions
High transaction limits
Dual-factor authentication through PIN prompt
On top of the other benefits of Interac Debit

Why offer Interac Debit?

Faster checkouts

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.

Payment solutions wherever you are

Whether you’re selling in a food truck or at a convention, through mobile point-of-sale solutions you can offer Interac Debit to your customers no matter where you are.

No chargebacks

Access your earnings easily with zero chargebacks. Enjoy less hassle and more ease.

Virtually everywhere

Interac Debit payment solutions are integrated across financial institutions nationally and are accepted at over half a million locations.

Unparalleled fraud prevention

Interac Debit uses up-to-date security technology and practices to help ensure that your business has control over who has access to your financial information.

Trusted by Canadians

Interac is one of the most trusted financial service brands in Canada***. Your customers feel good about using Interac products.

Future-ready

Innovation is our cornerstone. Working with our partners, we continuously evolve to help your business transactions run smoother with our payment solutions.

Want to know more about Interac Debit?

Unlock the full potential of Interac Debit with helpful usage resources.

How to’s

Secure transactions

From chip technology to tokenization and fraud prevention, Interac has state-of-the-art security measures in place.

Protect your payments

Filter by Alphabet

#

1st Choice Savings

A

B

C

D

E

F

G

H

I

K

L

M

N

O

P

Q

Quinte First Credit Union

R

S

T

U

V

W

Y

How small business owners can stay in charge during crunch time.

Discover strategies for staying in control during peak seasons.

Read Article

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 Article

Find answers to common questions.

Have any questions about Interac Debit for Business? Get fast answers on our Support page.

FAQs

See 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 Action

Disclaimer

Contactless payments up to $250 and will vary based on the customer’s financial institution.

*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.

**Google, Google Pay and the Google logo are trademarks of Google INC.

All trademarks are the property of their respective owners.

***Interac recognized as the most trusted financial services brand in Canada for 2023.

Interac Debit Inter-Member Network (IMN) Disclosure: Bank of Canada Prominent Payment Systems Risk-Management Standards

Get started with Interac Debit for your Business.

Ready to get started? Find an Acquirer to answer your questions and help you get set up.

Find an Acquirer

Accept payments with Interac® Debit.