Interac e-Transfer Capture

Overview

Capture an Interac e-Transfer payment by generating a secure payment link that your customer can use to complete the transfer. This endpoint supports incoming (receiving) payments through Canada’s Interac e-Transfer system.

Interac e-Transfer is only available for Canadian dollar (CAD) transactions and requires both the sender and recipient to have Canadian bank accounts.

Endpoint

POST /payment-sessions/{payment_id}

Capture Flow

Initialize Payment

First create a payment session with payment initialization

Generate Transfer Link

Capture the payment to generate an Interac e-Transfer link

Customer Transfer

Customer completes the transfer through their online banking

Auto-Deposit

Funds are automatically deposited if enabled, or require security answer

Response Object

{
  "data": {
    "auth_type": null,
    "expires_at": "2024-04-09T01:11:30.239705Z",
    "links": {
      "redirect_url": "https://gateway-web.fit.interac.ca/reqPayment/eml/CA1MRz75R4Hy"
    },
    "message": "Waiting for payment",
    "payment": {
      "amount": 100000,  // Amount in cents
      "currency": "CAD",
      "status": "pending",
      "payment_method": {
        "type": "interac"
      },
      "customer": {
        "first_name": "John",
        "last_name": "Doe",
        "email": "john.doe@example.com",
        "phone_number": "+14165555555",
        "billing_address": {
          "line1": "123 Main St",
          "line2": "Unit 4B",
          "city": "Toronto",
          "state": "ON",
          "country": "CA",
          "zip_code": "M5V 2T6"
        }
      },
      "description": "Invoice payment",
      "reference": "inv_20240322_123",
      "order": {
        "identifier": "ORD12345",
        "items": [
          {
            "name": "Professional Services",
            "type": "service"
          }
        ]
      }
    }
  }
}

Important Response Fields

string

required

Interac e-Transfer payment link to share with customer

Valid for payment session duration
Unique per transaction
Must be accessed within expires_at time

string

required

ISO 8601 timestamp when the payment session expires

Default: 1 hours from creation
Customer must complete transfer before this time

Transaction Limits

Minimum: CAD 100.00 (10000 cents)
Maximum: CAD 10,000.00 (1000000 cents)
Daily Limit: CAD 25,000.00 (2500000 cents)
Monthly Limit: CAD 100,000.00 (10000000 cents)

Processing Times

Incoming transfers typically process within 15-30 minutes
Auto-deposit reduces processing time
Bank cut-off times may affect processing
Weekend/holiday transfers may take longer

Error Handling

400 - Invalid Request

{
  "error": {
    "code": "invalid_request",
    "message": "Invalid payment session ID"
  }
}

404 - Not Found

{
  "error": {
    "code": "session_not_found",
    "message": "Payment session not found"
  }
}

422 - Validation Error

{
  "error": {
    "code": "validation_error",
    "message": "Invalid currency for Interac e-Transfer"
  }
}

Best Practices

Customer Communication
- Send the redirect URL immediately to the customer
- Include clear transfer instructions
- Notify when payment is received
Error Handling
- Implement retry logic for failed captures
- Monitor payment session expiration
- Handle timeout scenarios properly
Security
- Validate payment sessions before capture
- Check transaction limits
- Monitor for suspicious patterns
Integration
- Use webhooks for real-time updates
- Store payment IDs for reconciliation
- Implement proper logging

Need Help?

For questions about Interac e-Transfer integration:

See our API Reference
Contact Support
Review Error Handling

Home

Customers

Payments

Payment Transactions

Transfers

Exchange

Wallet As A Service

Interac e-Transfer Capture

Overview

Endpoint

Capture Flow

Response Object

Important Response Fields

Transaction Limits

Processing Times

Error Handling

Best Practices

Need Help?

​Overview

​Endpoint

​Capture Flow

​Response Object

​Important Response Fields

​Transaction Limits

​Processing Times

​Error Handling

​Best Practices

Need Help?

Overview

Endpoint

Capture Flow

Response Object

Important Response Fields

Transaction Limits

Processing Times

Error Handling

Best Practices