Interac e-Transfer (Canada)
国家/地区: 加拿大 (CA) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 88%
Interac e-Transfer 是加拿大金融机构联合建立的国民级 24/7 即时跨行转账与电子支付网络，在加拿大在线支付、账单缴费及 P2P 转账中占据近 90% 的绝对主导地位，以直连加拿大各大银行、电子邮件/手机号安全收款及零争议撤单风险为优势，广泛用于电商网购付款、学费及生活服务缴费、企业付款及个人即时转账。
🔄 用户付款交互流 (User Flow)
- Customer selects Interac e-Transfer at checkout and receives request for funds / email link
- Customer logs into Canadian online banking app (RBC, TD, Scotiabank, BMO, CIBC)
- Customer approves transaction using Autodeposit or security question
- Interac clears funds in real-time across Canadian interbank network and confirms payment to merchant
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API passes checkout request to acquiring gateway (Stripe / Adyen / Nuvei)
- PSP issues dynamic Interac e-Transfer payload or payment session URL
- PSP receives instant Interac clearing webhook notification and confirms order status
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Nuvei🔌 Stripe🔌 Adyen