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Interac Debit (Canada)

Country: Canada (CA)  |  Payment Rail: debit_card

DebitCard Market Adoption: 80%

Interac Debit is Canada's premier national debit card network, enabling direct bank account debits for in-store POS and online checkout.

🔄 User Payment Flow

  1. Customer inserts Interac debit card at POS or selects Interac Debit online
  2. Customer authenticates via 4-digit PIN or banking credentials
  3. Funds are directly debited from Canadian bank account
  4. Merchant receives instant payment confirmation

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant POS or gateway sends authorization payload to Interac network
  • Interac verifies account balance with issuing bank
  • Merchant receives real-time authorization confirmation

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Nuvei🔌 Stripe