Interac Debit

Interac Debit Chip and PIN and contactless transactions are approved by your bank or credit union through secure online systems in real-time. Transactions appear instantly on your bank account records, allowing you to monitor your available balance so you can keep track of your spending.

Security is important to us. Chip-enabled Interac Debit and contactless enabled cards are extremely secure and protected from fraud tactics such as skimming, duplicating and electronic pickpocketing. When you make a payment, the only data transmitted consists of payment transaction codes, not confidential details about your bank account. Transactions occur in real time, so no information can be captured by criminals to conduct fraudulent transactions or commit identity theft.

Interac Debit Chip and PIN and contactless payments are extremely secure with sophisticated safeguards and fraud detection tools in place to protect you:

• Interac debit cards use EMV secure chip processing to store and process data securely. This makes it next to impossible to create counterfeit cards and protects you against fraud tactics such as skimming, transaction replay and electronic pickpocketing.
• When you use Interac Debit on your mobile device, you enjoy the same security features as your Interac debit card, as well as your device’s standard security measures such as passcode or biometric ID verification.
• Transaction limits are set at up to $250 per transaction.  There is also added protection of a cumulative contactless limit set by individual banks or credit unions.  A cumulative limit is the maximum contactless spend limit that can be done by an individual Interac debit card before the user is promoted to reset the limit with a Chip and PIN transaction. This confirms that you are the authorized cardholder.

You are also protected from any losses due to unauthorized transactions under the Interac Zero Liability Policy. If your card is lost or stolen, contact your bank or credit union right away.

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

Interac Debit eCommerce payments are the easy, fast, and secure way for Canadians to pay directly from their bank account when shopping online using their mobile device. An in-app payment takes place within the merchant’s native mobile app. An in-browser payment takes place within a supported mobile browser (i.e Safari).

Interac Debit cardholders with a debit card issued from participating financial institutions can use Interac Debit to pay with Apple Pay at merchants who accept contactless payments.

For eCommerce transactions through Interac Debit with Apple Pay, Interac debit cardholders with a debit card issued from participating financial institutions can pay on select merchant applications or mobile websites using Apple Pay. We are continuously working to onboard more issuers and merchants to support through Interac Debit with Apple Pay.

Interac debit cards issued by participating financial institutions are eligible to be added to Apple Pay. Please check with your financial institution for more details.

For in-app and in-browser transactions, an Interac Debit card from a participating financial institution must first be provisioned to the Apple device (within the mobile wallet) before it can be used within a participating merchant application or mobile website. 

To learn more about how to use Apple Pay or view a list of supported Apple devices (iPhone, iPad, Apple Watch, or Mac), please visit apple.com/apple-pay.

Interac Debit on Google Pay is an easy way to make payments using your eligible Android device.

Interac Debit eCommerce payments are the easy, fast, and secure way for Canadians to pay directly from their bank account when shopping online using their mobile device. An in-app payment takes place within the merchant’s native mobile app. An in-browser payment takes place within a supported mobile browser (i.e Chrome).

Interac Debit cardholders with a debit card issued from participating financial institutions can use Interac Debit to pay with Google Pay at merchants who accept contactless payments.

For Interac Debit with Google Pay transactions, Interac Debit cardholders with a debit card issued from participating financial institutions can pay on select merchant applications or mobile websites using Google Pay. We are continuously working to onboard more issuers and merchants to support Interac Debit with Google Pay.

Interac debit cards issued by participating financial institutions are eligible to be added to Google Pay. Please check with your financial institution for more details.

For Interac Debit with Google Pay transactions, an Interac debit cards from a participating financial institution must first be provisioned to the mobile device (within the mobile wallet) before it can be used within a participating merchant application or mobile website.

To learn more about how to use Google Pay or view a list of supported Android devices, please visit https://www.android.com/pay/.

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

Canadian Interac debit cardholders can now use an eligible debit card from their participating financial institutions with Samsung Pay to pay at stores that accept contactless payments.

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

Samsung Pay works on most Samsung NFC-capable devices, click here for a list of the supported devices and software requirements. NFC-capable devices enable you to make purchases at merchants who displays the contactless symbol at checkout.

Please contact your bank or credit union to troubleshoot any transactions. The contact information is usually on the back of your Interac debit card.

Please visit our business page or FAQ for business for more info.

Please contact your participating bank or credit union to inquire about your limits.

ABM withdrawals are a convenient way to withdraw cash from your account at any Automated Banking Machine (ABM) displaying the Interac logo, anywhere in Canada.

Interac has made accessing your account for cash withdrawals convenient with more than 70,0000 ABMs available across Canada, many of which are available 24 hours a day.

Please contact your bank or credit union to troubleshoot any ABM transactions. The contact information is usually on the back of your Interac debit card.

Please visit our business page or FAQ for business for more info.