Interac e-Transfer
Initialize Interac e-Transfer payments for Canadian transactions
Overview
Interac e-Transfer enables secure money transfers between Canadian bank accounts. This endpoint supports both incoming (receiving) and outgoing (sending) transfers.
Endpoint
Common Requirements
Canadian-Specific Validation:
- Valid Canadian phone number (+1 format)
- Canadian postal code format
- Province/territory codes (e.g., ON, BC, AB)
- Canadian bank account required
Incoming Transfers
Use this flow when receiving payments from customers through Interac e-Transfer.
Request Parameters
Payment amount in minor units (e.g., cents, kobo)
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Minimum: 100
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Must be positive integer
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Example: 10000 = $100.00 USD
Three-letter ISO currency code
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Supported: NGN, USD, CAD
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Must match payment method
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Example: “USD”
Customer information object
Payment description
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Maximum length: 200 characters
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Will appear on statements
Unique transaction reference
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Must be unique per transaction
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Maximum length: 50 characters
Order information object
Optional additional data
- Nested objects allowed
Example Request (Incoming)
Example Response (Incoming)
Outgoing Transfers
Use this flow when sending payments to recipients through Interac e-Transfer.
Additional Parameters for Outgoing Transfers
Example Request (Outgoing)
Validation Rules
Amount Validation
Amount Validation
- Minimum: CAD 100.00 (10000 cents)
- Maximum: CAD 10,000.00 (1000000 cents)
- Must be in Canadian Dollars (CAD)
- Must be a positive integer in cents
Phone Number Validation
Phone Number Validation
- Must begin with +1
- Must be 11 digits total (+1 plus 10-digit number)
- Area code must be valid for Canada
Postal Code Validation
Postal Code Validation
- Must follow Canadian format: “A1A 1A1”
- Letter-number-letter number-letter-number
- First letter cannot be D, F, I, O, Q, U, W, Z
Security Question
Security Question
- Required for outgoing transfers
- Question must be 10-100 characters
- Answer must be 3-50 characters
- Cannot contain sensitive information
Error Handling
Invalid Canadian province/territory code provided.
- Must be one of: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT
Invalid Canadian postal code format.
- Must match pattern: A1A 1A1
Invalid Canadian phone number.
- Must start with +1
- Must be a valid area code
Transfer amount exceeds limits.
- Check minimum/maximum allowed amounts
Processing Times
- Incoming transfers: Usually processed within 15-30 minutes
- Outgoing transfers: Usually processed within 30-60 minutes
- Cutoff times may apply based on recipient’s bank
Need Help?
For support with Interac e-Transfer integration:
- Check our Error Handling Guide
- Contact Support