2534:
108:
369:
45:
750:
461:
or point-of-sale terminal will record the account information contained in the magnetic strip of the card, allowing for duplicate cards to be created at a later time. The owner of the card is then secretly video taped or observed entering their PIN, allowing a criminal to use duplicate cards to make
548:
By
February 2009, Interac Online was supported by roughly 300 merchants including two large universities (for tuition payments), two major wireless carriers, provincial lottery corporations, and a wide variety of retailers. It was later adopted by Paymentwall (for payments to third-party merchants)
448:
Interac Direct
Payment is a PIN-based system where the information entered on the PIN pad is encrypted and verified at a central server, rather than being stored on the card itself. Because of this, it is significantly more secure than traditional signature or card-based transactions. Despite these
528:
The
Interac Online service allows customers to pay for goods and services over the Internet using funds directly from their bank accounts. Because no financial information is shared with the online merchant, the Interac Online service is more secure than online credit card payments. This service,
621:, "As of January 6 2023, RBC will no longer support the option to pay for online purchases using the Interac Online Payments service. If you use Interac Online Payment service to make CRA tax payments: You will be able to make tax payments to CRA using Interac Online Payment until May 30, 2023."
437:(PIN) and the amount paid is deducted from either their chequing or savings accounts. As of 2001, the number of transactions completed via IDP has surpassed those completed using physical money. Beginning in 2004, IDP purchases could also be made in the United States at merchants on the
515:
The
Interac e-Transfer service is offered by CertaPay. It allows online banking customers to send money to anyone with an e-mail address or a cellphone number and a bank account in Canada. Prior to February 2018, this was an Interac-branded service operated by
575:
has dropped all support for
Interac Online, effective 6 January 2023. According to their site, "Interac Online is being phased out by major financial institutions and will no longer be supported as a payment option for deposits."
736:
354:
network outage resulting in millions of dollars in lost transactions for businesses. On July 11, 2022, Interac stated they were adding another provider in addition to Rogers to strengthen their network redundancy.
310:; by 2010, there were over 80 member organizations. The group founded a for-profit counterpart organization, Acxsys, in 1996, which launched additional Interac-branded services including
2101:
347:
In 2021, Interac
Corporation acquired the exclusive rights to the digital ID services for Canada from the digital ID and authentication provider SecureKey Technologies Inc.
683:
796:"Due to the continued nationwide Rogers outage of business and consumer network services, INTERAC Debit and INTERAC e-Transfer continue to be unavailable across Canada"
2559:
477:
technology. The main benefit to this technology over the existing magnetic stripes is that the chips are almost impossible to copy due to high levels of encryption.
2064:
2604:
529:
operated by Acxsys
Corporation from 2005-2018 and by Interac Corporation since then, was available to customers of four of the five largest Canadian banks:
769:
711:
2069:
871:"INTERAC Milestones in Canada | Electronic Cash Payments: Canada Loves its Debit Cards, but Will the Cashless Revolution Happen in the U.S.?"
2574:
2077:
948:
1895:
1811:
855:
433:
service for purchasing of goods and services. In 1990 Interac launched a new pilot called
Interac Direct Payments. Customers enter their
922:
825:
1983:
215:
that can be accessed through the
Interac network in Canada, and over 450,000 merchant locations accepting Interac debit payments.
2594:
2569:
2119:
2089:
2027:
1111:
572:
421:
Interac is the organization responsible for the development of a national network of two shared electronic financial services:
17:
493:
not belonging to a cardholder's financial institution. This Canada-specific service is similar to international systems like
1055:
520:. Interac e-Transfer service is designated as a prominent payment system and is subject to oversight by the Bank of Canada.
318:
or by some of the co-owners between 2008 and 2013, Interac and Acxsys were combined into a single for-profit organization,
1061:
1301:
2564:
2209:
2022:
1027:(which appears to be the same product, rebranded as the "Interac Debit for online payment service") has similar issues.
295:
1067:
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408:
87:
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2321:
1978:
1747:
434:
390:
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584:
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1989:
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1024:
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60:
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1656:
826:"Rogers says it has started restoring service following widespread wireless outage - BNN Bloomberg"
553:
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386:
212:
69:
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that links financial institutions and other enterprises for the purpose of exchanging electronic
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2040:
1973:
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1994:
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200:
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during the checkout process. The list of credit unions on that page is badly outdated, and
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291:
1020:
8:
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https://web.archive.org/web/20060717152738/http://www.interac.ca/en_n2_11_howitworks.html
2162:
1676:
1402:
1326:
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1062:
https://web.archive.org/web/20060721144717/http://www.interac.ca/en_n2_12_benefits.html
833:
688:
510:
449:
security features, there are ongoing fraud concerns, particularly when debit cards are
315:
311:
232:
208:
2276:
2004:
1932:
1928:
1820:
1732:
1686:
1568:
1563:
1483:
1422:
1219:
751:"Interac Corp. acquires exclusive rights to SecureKey digital ID services for Canada"
338:
196:
55:
2341:
1923:
1742:
1681:
1522:
1478:
1463:
1432:
1417:
1412:
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1068:
https://web.archive.org/web/20060718165146/http://www.interac.ca/en_n2_13_fees.html
795:
635:
595:
534:
350:
On July 8, 2022, all
Interac services were disrupted in Canada due to a nationwide
334:
323:
2336:
1615:
1498:
1488:
1089:
580:
542:
31:
770:"Interac strengthens digital ID in Canada and North America with SecureKey deal"
1962:
1789:
1778:
1510:
1066:
Interac Association (2006). At the Merchant 2006. Retrieved 19 June 2006, from
1060:
Interac Association (2006). At the Merchant 2006. Retrieved 19 June 2006, from
1054:
Interac Association (2006). At the Merchant 2006. Retrieved 19 June 2006, from
630:
2553:
2360:
1889:
1239:
1199:
1174:
603:
314:. Following several aborted merger attempts which were either blocked by the
579:
As of 2023, the service has been dropped by all major Canadian banks except
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1281:
900:
611:
591:
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2421:
1918:
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607:
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2197:
1872:
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1341:
1169:
1147:
1128:
538:
474:
430:
393: in this section. Unsourced material may be challenged and removed.
299:
204:
1025:
https://www.interac.ca/en/consumers/products/interac-debit/e-commerce/
333:
In 2019, Interac Corporation acquired 2Keys Corporation, Ottawa-based
2511:
2416:
2387:
2215:
1835:
1224:
1204:
1179:
1164:
984:
107:
949:"Regulatory Oversight of Designated Clearing and Settlement Systems"
368:
2426:
2311:
2271:
2237:
2226:
2202:
2186:
2180:
2131:
2094:
2082:
2058:
2016:
2010:
1946:
1540:
1505:
1377:
1362:
1331:
1286:
1276:
65:
Not encyclopedic at the moment. Needs more work in tone and style.
2517:
2493:
2291:
2126:
2106:
1967:
1952:
1234:
1214:
811:
712:"Interac acquires Ottawa-based digital identity specialist 2Keys"
599:
561:
445:
systems in use in the United Kingdom, Australia and New Zealand.
327:
2505:
2471:
2377:
2331:
1407:
1316:
1251:
856:"Rogers falls as massive outage raises concerns over Shaw deal"
684:"Major revamp gives Interac a chance to compete against rivals"
517:
442:
341:
for governments, financial institutions and commercial clients
2455:
2248:
2146:
2113:
1999:
1901:
1850:
1442:
1321:
1306:
557:
2365:
2351:
486:
438:
1079:
1019:
A prompt to select from a list of institutions appears at
501:. Virtually every ABM in Canada is on the Interac system.
322:, on 1 February 2018. Interac's head office is located at
207:
system and the predominant funds transfer network via its
183:
1722:
549:
and the Canada Revenue Agency (for income tax payments).
471:
962:
1021:
https://gateway.interaconline.com/merchant_processor.do
587:, with RBC being the latest to abandon the scheme.
1119:
657:"Bureau axes Interac request to become for-profit"
654:
429:Interac Direct Payment (IDP) is Canada's national
1634:
470:In 2007, Interac announced it would be moving to
2560:Financial services companies established in 1984
2551:
1819:
675:
480:
424:
899:. Interac.ca. 31 December 2012. Archived from
2605:Financial services companies based in Toronto
1805:
1105:
504:
279:The network was launched in 1984 through the
2264:
737:"Interac Corp. acquires Ottawa-based 2Keys"
1812:
1798:
1112:
1098:
965:(in German). Giropay.de. 18 September 2013
106:
441:network. IDP is similar in nature to the
409:Learn how and when to remove this message
88:Learn how and when to remove this message
897:"What is Chip Technology | Interac"
868:
767:
709:
681:
793:
655:The Canadian Press (12 February 2010).
14:
2575:Financial services companies of Canada
2552:
573:Ontario Lottery and Gaming Corporation
1793:
1093:
465:
286:, a cooperative venture between five
391:adding citations to reliable sources
362:
38:
1038:"Shop Securely with Interac Online"
869:Buchholz, Garth A. (22 July 2005).
710:Bradshaw, James (5 November 2019).
682:Bradshaw, James (5 February 2018).
24:
1267:European Payments Initiative (EPI)
25:
2616:
1257:Electronic Payment Services (EPS)
1073:
523:
203:. Interac serves as the Canadian
2533:
2532:
1007:"Interac Online Removal Details"
923:"Interac Association Chip Guide"
768:Streeter, Joe (1 October 2021).
367:
43:
1048:
1030:
1013:
999:
977:
955:
941:
915:
889:
862:
378:needs additional citations for
211:service. There are over 59,000
2595:Debit card issuer associations
2570:1984 establishments in Ontario
2322:Armed Forces Financial Network
1748:Personal identification number
848:
818:
787:
761:
743:
729:
703:
648:
485:Shared Cash Dispensing (SCD):
435:personal identification number
30:For the Japanese company, see
13:
1:
641:
2282:European Payments Initiative
1585:Card not present transaction
1469:Credit card balance transfer
585:First Nations Bank of Canada
481:Shared Cash Dispensing (SCD)
425:Interac Direct Payment (IDP)
7:
2163:Allied Irish Banks Banklink
624:
358:
144:; 40 years ago
63:. The specific problem is:
10:
2621:
508:
505:Interac e-Transfer Service
218:
29:
27:Canadian interbank network
2565:Banks established in 1984
2527:
2480:
2464:
2304:
2287:Single Euro Payments Area
2155:
1882:
1859:
1828:
1766:
1700:
1669:
1608:
1595:Controlled payment number
1577:
1549:
1521:
1451:
1350:
1190:
1135:
259:
238:
228:
213:automated teller machines
178:
170:
138:
130:
122:
114:
105:
2317:Alberta Regional Network
2257:(Bosnia and Herzegovina)
1728:Hardware security module
1708:Automated teller machine
1494:Current/checking account
794:@INTERAC (8 July 2022).
556:service very similar to
554:Online Banking ePayments
459:automated teller machine
166:(as Interac Corporation)
153:(as Interac Association)
2005:Dutch Bangla Bank Nexus
987:. Secure Vault Payments
925:. EPOSS. Archived from
2041:Saudi Payments Network
1753:Secure cryptoprocessor
1085:Interac Online website
568:in the United States.
552:Interac Online was an
462:fraudulent purchases.
457: — a compromised
288:financial institutions
201:financial transactions
18:Interac Direct Payment
2047:Shetab Banking System
1718:Credit card imprinter
1692:Credit card hijacking
566:Secure Vault Payments
489:withdrawals from any
352:Rogers Communications
265:; 6 years ago
263:February 1, 2018
157:; 6 years ago
155:February 1, 2018
2383:Accel / The Exchange
2193:Bankcard-Servicenetz
1738:Magnetic stripe card
985:"Fast. Easy. Secure"
619:Royal Bank of Canada
560:in the Netherlands,
387:improve this article
70:improve this article
59:to meet Knowledge's
2053:The Benefit Company
1713:Contactless payment
1459:Payment card number
877:. Pearson Education
320:Interac Corporation
284:Interac Association
247:Interac Association
225:
224:Interac Corporation
174:Interac Corporation
102:
2580:Interbank networks
2255:BH Mreža bankomata
1821:Interbank networks
1677:Card security code
1635:Interbank networks
1272:Forbrugsforeningen
1009:. 5 December 2022.
834:The Canadian Press
739:. 5 November 2019.
716:The Globe And Mail
689:The Globe and Mail
518:Acxsys Corporation
511:Interac e-Transfer
466:Interac chip cards
316:Competition Bureau
250:Acxsys Corporation
233:Financial services
223:
100:
2600:Banking in Canada
2547:
2546:
2300:
2299:
2277:Euronet Worldwide
1787:
1786:
1733:Interbank network
1687:Credit card fraud
1665:
1664:
1569:Universal default
1564:Introductory rate
1484:Revolving account
929:on 7 January 2016
617:According to the
419:
418:
411:
277:
276:
197:interbank network
190:
189:
98:
97:
90:
61:quality standards
52:This article may
16:(Redirected from
2612:
2536:
2535:
2342:Discover Network
2262:
2261:
2234:(United Kingdom)
2110:
2098:
2086:
2073:
1814:
1807:
1800:
1791:
1790:
1743:Payment terminal
1682:Chargeback fraud
1632:
1631:
1479:Installment loan
1464:Card association
1413:Rail Travel Card
1143:American Express
1114:
1107:
1100:
1091:
1090:
1042:
1041:
1034:
1028:
1017:
1011:
1010:
1003:
997:
996:
994:
992:
981:
975:
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972:
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959:
953:
952:
945:
939:
938:
936:
934:
919:
913:
912:
910:
908:
903:on 5 August 2012
893:
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866:
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859:
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843:
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726:
724:
722:
707:
701:
700:
698:
696:
679:
673:
672:
670:
668:
652:
636:White-label ABMs
596:British Columbia
564:in Germany, and
414:
407:
403:
400:
394:
371:
363:
335:digital identity
324:Royal Bank Plaza
273:
271:
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226:
222:
186:
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110:
103:
99:
93:
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73:
47:
46:
39:
21:
2620:
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2615:
2614:
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2611:
2610:
2609:
2585:Payment systems
2550:
2549:
2548:
2543:
2523:
2476:
2460:
2337:Co-op Solutions
2296:
2260:
2151:
2104:
2092:
2080:
2067:
1878:
1855:
1824:
1818:
1788:
1783:
1762:
1696:
1661:
1630:
1604:
1573:
1545:
1517:
1499:Savings account
1489:Deposit account
1447:
1418:Revolution Card
1346:
1193:specialty cards
1192:
1186:
1131:
1118:
1080:Interac website
1076:
1051:
1046:
1045:
1036:
1035:
1031:
1018:
1014:
1005:
1004:
1000:
990:
988:
983:
982:
978:
968:
966:
963:"Home: giropay"
961:
960:
956:
947:
946:
942:
932:
930:
921:
920:
916:
906:
904:
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867:
863:
854:
853:
849:
839:
837:
824:
823:
819:
805:
803:
792:
788:
778:
776:
766:
762:
757:. October 2021.
749:
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735:
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730:
720:
718:
708:
704:
694:
692:
680:
676:
666:
664:
653:
649:
644:
627:
581:TD Canada Trust
543:TD Canada Trust
526:
513:
507:
483:
468:
427:
415:
404:
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372:
361:
269:
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182:
161:
159:
156:
154:
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146:
143:
94:
83:
77:
74:
67:
48:
44:
35:
32:Interac (Japan)
28:
23:
22:
15:
12:
11:
5:
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2602:
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2134:
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2123:
2116:
2111:
2099:
2087:
2075:
2062:
2056:
2050:
2044:
2043:(Saudi Arabia)
2038:
2031:
2030:
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2020:
2014:
2008:
2002:
1997:
1992:
1987:
1981:
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1971:
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1781:
1779:Acquiring bank
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2488:Banco24Horas
2411:
2007:(Bangladesh)
1898:(Bangladesh)
1774:Issuing bank
1646:
1559:Grace period
1531:Cash advance
1474:Credit limit
1282:Hyundai Card
1191:Regional and
1049:Bibliography
1032:
1015:
1001:
989:. Retrieved
979:
967:. Retrieved
957:
943:
931:. Retrieved
927:the original
917:
905:. Retrieved
901:the original
891:
879:. Retrieved
874:
864:
850:
838:. Retrieved
829:
820:
810:– via
804:. Retrieved
789:
777:. Retrieved
773:
763:
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745:
731:
719:. Retrieved
715:
705:
693:. Retrieved
687:
677:
665:. Retrieved
663:. Bell Media
660:
650:
616:
612:Newfoundland
590:A few small
589:
578:
570:
551:
547:
527:
514:
484:
469:
454:
450:
447:
428:
420:
405:
396:
385:Please help
380:verification
377:
349:
346:
342:
332:
319:
283:
278:
239:Predecessors
192:
191:
84:
75:
68:Please help
64:
53:
36:
2590:Debit cards
2500:A Toda Hora
2496:(Argentina)
2422:Cardtronics
2210:Carte Bleue
2105: [
2093: [
2081: [
2068: [
2019:(Sri Lanka)
1986:(Hong Kong)
1949:(Singapore)
1919:ATM Bersama
1915:(Indonesia)
1626:Card scheme
1609:Interchange
1373:Carte Bleue
1245:Diners Club
1136:Major cards
1129:debit cards
695:12 February
661:CTV News.ca
608:Nova Scotia
399:August 2022
312:e-transfers
72:if you can.
2554:Categories
2502:(Colombia)
2393:First Data
2245:(Portugal)
2243:Multibanco
2198:Cash Group
2189:(Germany)
2175:Bancontact
2037:(Malaysia)
1979:Nationlink
1904:(Pakistan)
1873:Multicaixa
1758:Smart card
1701:Technology
1590:Chargeback
1536:Charge-off
1398:Everything
1148:Mastercard
991:18 October
969:18 October
907:18 October
881:18 October
667:18 October
642:References
539:Scotiabank
431:debit card
308:Desjardins
300:Scotiabank
270:2018-02-01
209:e-Transfer
205:debit card
184:interac.ca
162:2018-02-01
78:April 2017
2512:GlobalNet
2508:(Uruguay)
2439:Interlink
2388:MoneyPass
2251:(Finland)
2216:KoronaPay
2177:(Belgium)
2165:(Ireland)
2055:(Bahrain)
1892:(Armenia)
1829:Worldwide
1823:by region
1621:Surcharge
1225:Cabcharge
1205:AzeriCard
545:by 2007.
475:chip card
281:nonprofit
2538:Category
2490:(Brazil)
2427:Allpoint
2312:Acculink
2272:Eufiserv
2238:Vocalink
2227:Sbercard
2218:(Russia)
2212:(France)
2203:CashPool
2187:Girocard
2181:Currence
2169:Bancomat
2132:CashTree
2118:Euronet
2059:UnionPay
2017:LankaPay
2013:(Israel)
2011:Isracard
1875:(Angola)
1670:Security
1551:Interest
1541:Debt-lag
1506:ATM card
1452:Accounts
1393:Eurocard
1378:Chipknip
1363:Bankcard
1332:UnionPay
1287:Isracard
1277:Girocard
1240:Discover
1220:BCA Card
1210:Bancomat
1175:Electron
875:InformIT
625:See also
614:remain.
583:and the
359:Services
229:Industry
54:require
2520:(Chile)
2518:Redbanc
2494:Banelco
2465:Oceania
2446:Presto!
2412:Interac
2292:TARGET2
2171:(Italy)
2127:Cashnet
2122:(India)
2074:(Japan)
2061:(China)
1968:BancNet
1953:EZ-Link
1942:ATM BNI
1933:ATM BCA
1869:(Egypt)
1767:Banking
1647:Interac
1600:Dispute
1578:Payment
1388:enRoute
1235:Dankort
1215:BC Card
1158:Maestro
812:Twitter
779:5 April
755:Interac
721:4 April
600:Ontario
562:Giropay
455:skimmed
328:Toronto
268: (
260:Founded
219:History
193:Interac
179:Website
160: (
147: (
139:Founded
123:Members
101:Interac
56:cleanup
2514:(Peru)
2506:Banred
2472:EFTPOS
2451:SHAZAM
2378:fiserv
2332:CarIFS
2156:Europe
2049:(Iran)
2035:PayNet
1938:Treats
1860:Africa
1841:Cirrus
1642:Cirrus
1438:Proton
1428:Switch
1408:Mondex
1383:Choice
1358:Access
1317:PayPak
1252:EFTPOS
1125:charge
1121:Credit
933:22 May
840:9 July
806:9 July
541:, and
499:Cirrus
443:EFTPOS
306:, and
134:59,000
118:Canada
2456:Zelle
2435:Visa
2347:Pulse
2249:Otto.
2147:RuPay
2120:BANCS
2114:Yucho
2109:]
2097:]
2090:LONGS
2085:]
2078:BANCS
2072:]
2028:CEFTS
2023:SLIPS
2000:JETCO
1984:CHATS
1958:MEPS+
1929:PRIMA
1902:1LINK
1896:BEFTN
1851:SWIFT
1652:Pulse
1443:V Pay
1403:Laser
1342:Verve
1322:RuPay
1307:Meeza
1170:Debit
1153:Debit
800:Tweet
558:iDEAL
451:duped
171:Owner
2398:STAR
2366:NYCE
2352:TYME
2232:Link
2137:MITR
2125:FIS
2102:MICS
1963:NETS
1924:Link
1913:ALTO
1908:MNET
1890:ArCa
1883:Asia
1846:Plus
1657:Plus
1523:Debt
1511:Fees
1423:Solo
1337:UATP
1327:Troy
1312:NETS
1302:MEPS
1200:ArCa
1180:Cash
1165:Visa
1127:and
993:2013
971:2013
935:2014
909:2013
883:2013
842:2022
808:2022
781:2022
723:2022
697:2018
669:2013
610:and
571:The
495:Plus
487:cash
439:NYCE
337:and
296:CIBC
149:1984
142:1984
131:ATMs
2417:NCR
2403:MAC
2371:SUM
2361:FIS
2327:ATH
2222:Mir
2142:NFS
2065:ACS
1995:FPS
1990:EPS
1974:ENS
1947:atm
1867:123
1836:CLS
1723:EMV
1616:Fee
1433:PIN
1297:Mir
1292:JCB
1262:Elo
830:BNN
594:in
535:BMO
531:RBC
497:or
491:ABM
472:EMV
453:or
389:by
326:in
292:RBC
2556::
2107:ja
2095:ja
2083:ja
2070:ja
1230:CB
1123:,
873:.
832:.
828:.
772:.
753:.
714:.
686:.
659:.
606:,
602:,
598:,
537:,
533:,
330:.
304:TD
302:,
298:,
294:,
290::
126:83
1940:/
1931:/
1813:e
1806:t
1799:v
1113:e
1106:t
1099:v
1040:.
995:.
973:.
951:.
937:.
911:.
885:.
858:.
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814:.
802:)
798:(
783:.
725:.
699:.
671:.
412:)
406:(
401:)
397:(
383:.
343:.
272:)
164:)
151:)
91:)
85:(
80:)
76:(
34:.
20:)
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