> ## Documentation Index
> Fetch the complete documentation index at: https://docs.juicyway.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Interac e-Transfer Capture

> Process Interac e-Transfer payments for Canadian transactions

## 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.

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

## Endpoint

```bash theme={null}
POST /payment-sessions/{payment_id}
```

## Capture Flow

<Steps>
  <Step title="Initialize Payment">
    First create a payment session with [payment initialization](/payments/initialize-payment/interac-e-transfer)
  </Step>

  <Step title="Generate Transfer Link">
    Capture the payment to generate an Interac e-Transfer link
  </Step>

  <Step title="Customer Transfer">
    Customer completes the transfer through their online banking
  </Step>

  <Step title="Auto-Deposit">
    Funds are automatically deposited if enabled, or require security answer
  </Step>
</Steps>

## Response Object

```json theme={null}
{
  "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

<ResponseField name="links.redirect_url" type="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
</ResponseField>

<ResponseField name="expires_at" type="string" required>
  ISO 8601 timestamp when the payment session expires

  * Default: 1 hours from creation
  * Customer must complete transfer before this time
</ResponseField>

## Transaction Limits

<Card>
  * 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)
</Card>

## Processing Times

<Note>
  * 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
</Note>

## Error Handling

<AccordionGroup>
  <Accordion title="400 - Invalid Request">
    ```json theme={null}
    {
      "error": {
        "code": "invalid_request",
        "message": "Invalid payment session ID"
      }
    }
    ```
  </Accordion>

  <Accordion title="404 - Not Found">
    ```json theme={null}
    {
      "error": {
        "code": "session_not_found",
        "message": "Payment session not found"
      }
    }
    ```
  </Accordion>

  <Accordion title="422 - Validation Error">
    ```json theme={null}
    {
      "error": {
        "code": "validation_error",
        "message": "Invalid currency for Interac e-Transfer"
      }
    }
    ```
  </Accordion>
</AccordionGroup>

## Best Practices

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

<Card title="Need Help?">
  For questions about Interac e-Transfer integration:

  * See our [API Reference](/api-reference/overview)
  * Contact [Support](mailto:support@juicyway.com)
  * Review [Error Handling](/errors)
</Card>