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
Customer details for the transfer
Amount in cents (CAD)
- Minimum: 10000 (CAD 100.00)
- Maximum: 1000000 (CAD 10,000.00)
Must be “CAD”
Must be “incoming”
Your unique reference for this transfer
Description of the transfer
Additional information about the transfer
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
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