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Introducing Interac Direct™ for your business

Enjoy Canada’s digital-only payment solution that lets your customers pay for purchases directly from their chequing, savings or line of credit account.*

Exclusively available on the KONEK™ digital payment solution.

What is Interac Direct?

Interac Direct is a new way to pay online at checkout, available through the KONEKTM payment solution. Interac Direct makes it easy for your customers to pay directly with their chequing, savings, and line of credit accounts with their participating financial institutions.

Canada’s Digital-only Payment Solution

Make getting paid easy with Canada’s first digital checkout solution that allows your customers to pay directly from their eligible bank accounts or line of credit safely, securely, and card-free.

Offer More Flexible Payment Options

With 72% of Canadians polled by Interac saying they should be using account-based payments in more online channels, Interac Direct empowers your customers to pay their way, offering a variety of options, including one-time payments, recurring payments, pre-authorized payments, refunds, and split shipment orders.

Why offer Interac Direct?

Explore the benefits of Interac Direct for your business.

More Ways to Get Paid

Interac Direct can help empower your customers by offering one-time payments, split shipments, recurring, and pre-authorized payments. On top of that, it allows them to go card-free, paying directly from their chequing, savings, and line of credit accounts.

Safe and Secure

With Interac Direct, merchants can rely on security features like tokenization and online banking authentication of customers to help protect against fraud and unauthorized transactions.

Lower Cost of Acceptance

Interac Direct offers your customers convenient payment solutions while helping you save on acceptance costs. Plus, with no risk of costly chargebacks, it’s a smart choice for your business.

Innovative Updates

Interac Direct keeps merchants ahead of the curve with a dynamic roadmap designed to continually introduce new features, ensuring your business offers a modern checkout and payment experience to meet ever-changing customer expectations.

Person demonstrating Interac payment technology on a digital device in a professional setting.

Ready to add Interac Direct to your checkout? Start with KONEK.

Empower your customers with more ways to pay with Interac Direct through the KONEK™ payment solution. Supported by Canada’s top financial institutions and powered by Interac Corp., Interac Direct through KONEK gives your customers the flexibility and choice to pay with their chequing, savings or line of credit accounts at checkout. KONEK offers transactions that are safe, easy, and flexible.

Learn More About KONEK

How it Works

Here’s how easy your customers can checkout with Interac Direct using the KONEK payment solution.

1Find the KONEK button

Look for KONEK button when checking out online at participating merchants.

2Login

Log in through your financial institution, set Interac Direct as your default payment method, and then select the account you want to use for payments.

3Enable Quick Access

Enable face or touch ID for faster checkouts.

4 Complete Checkout

Complete your checkout successfully.

Want to learn more?

Discover the tools you need to get started with Interac Direct and KONEK.

How To’s 101’s

Participating Partners

Interac Direct allows you to pay directly through our trusted network of participating financial institutions:

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Frequently Asked Questions

  • What are account based payments or Account to Account Payments?

    Account based payments allow consumers to make an online purchase directly from their eligible account without the need for a card number affiliated with their participating financial institution. Eligible accounts are chequing, savings and line of credit accounts that the participating financial institution makes available through the KONEK gateway.

  • What is Interac Direct?

    The Interac Direct service is a new online payment option with participating merchants in Canada available through the KONEK gateway which allows consumers to pay for their online purchases at participating merchants directly from their eligible accounts through their participating financial institution.

  • What transaction types does Interac Direct support?

    The Interac Direct service through the KONEK gateway has the functional capabilities of a digital commerce payment option, offering multiple transaction types including one-time payments, split shipments, recurring, pre-authorized payments, reversals and refunds.

  • How is Interac Direct different from other forms of payment (like debit or credit cards)?

    Interac Direct is a Canadian payment solution providing a secure, convenient, and flexible online payment experience by giving you the ability to pay for online purchases at participating merchants directly from an eligible account of choice (chequing, savings or line of credit) through your participating financial institution.

  • Can Interac Direct be used on U.S./international-based merchant websites?

    Interac Direct is only available to participating merchants in Canada that accept payments in CAD at this time.

  • How do I become a participant of the Interac Direct service?

    To learn more about Interac Direct and how to become a participant, please speak to your acquirer contact and they will be able to assist you.

*Availability of payment methods varies by merchant