Dynamic Currency Conversion allows financial institutions to serve international cardholders by enabling transactions in their home currency. Cardholders can see the Canadian dollar amount and their home currency equivalent, including the exchange rate applied at withdrawal.

ATM Express 360° Managed Services is a customizable ATM managed services program designed to improve ATM network efficiency and reduce administrative effort. This end-to-end solution lets you focus on core business activities while we provide the expertise and technology to support your self-service channel.

Our White Label ATM service offers credit unions and banks a cost-effective way to extend their brands. Customizable to your unique needs, it supports greater efficiency, reduced costs and a stronger presence in new and existing markets.

Our ATM Monitoring service uses an automated system to notify a financial institution’s designated contact or the service vendor when an ATM experiences distress or communication issues. All ATMs connected to our switch receive standard ATM Monitoring services.

ATM Incident Management combines our ATM Monitoring software with 24/7 support from our client excellence team. This solution provides a single point of contact through our client excellence team for reporting ATM faults and other conditions.

With multi-language support, your ATM can service members and customers completing transactions in their preferred language. The ability to display transaction text in various languages provides speed and simplicity for your members and customers while helping your financial institution build loyalty and encourage future ATM visits.

With our Electronic Journal Management service, transactional journal files are collected daily and stored in our centralized repository for client access and retrieval. Files can be easily downloaded at any time from any location through our dedicated online portal.

With our Co-Badged Debit Program, we partner with leading card production suppliers and certified facilities to provide financial institutions with end-to-end solutions powered by proven personalization and manufacturing technology. Supported networks include Visa®, Mastercard®, Interac®, Acculink®, The Exchange® and NYCE®, helping you enhance quality and reduce costs.

Interac e-Transfer® Send Money enables your customers and members to send money quickly to anyone in Canada using just an email or phone number. Ideal for personal use, it’s a simple and secure way to transfer funds.

With Interac e-Transfer® Request Money, your customers and members can send payment requests directly to others and get paid more quickly and effortlessly. Whether you’re splitting bills, managing invoices or paying with credit cards, it provides a simple way to collect payments for personal and business use.

Interac e-Transfer® for Business (Account Number Routing) lets your customers and members send or receive funds quickly through participating financial institutions, helping them maintain smooth cash flow. Capabilities include higher send limits (up to $25,000), account number routing and rich remittance data for more seamless reconciliation.

Interac e-Transfer® Bulk Payables helps streamline business operations by sending up to 10,000 transactions in a single file, with each transaction carrying a limit of $25,000. Enjoy the flexibility to send unlimited files throughout the day, enabling efficient, automated payments to employees, vendors or customers while saving time and reducing errors.

Interac e-Transfer® Bulk Receivables consolidates payments from multiple sources into a single file, simplifying cash flow management. With the ability to process an unlimited number of files throughout the day, this solution supports precision, efficiency and scalability for businesses of all sizes.

Legal disclaimer
*The Interac logo and Interac e-Transfer are registered Trademarks of Interac Corp. used under license.

Our platform stands as Canada’s only open banking solution with a contractual compliance guarantee, enabling secure data sharing, real-time fraud monitoring and FAPI-compliant APIs that help reduce screen scraping by 90%. Your members can view, manage and revoke consent across over 600 fintechs, unlocking use cases like account funding, onboarding, lending and wealth management, while a powerful data dashboard enhances customer insights to drive growth.

eDETECT® helps financial institutions detect and prevent fraudulent activities involving credit, debit and prepaid cards by continuously monitoring transactions and analyzing patterns to quickly identify suspicious behavior. The solution utilizes rule-based systems and data analysis to evaluate key risk factors, including transaction location, amount, frequency and merchant type, triggering alerts, blocking high-risk transactions or prompting additional verification to minimize losses and protect customer trust.

eDETECT+®, our enterprise fraud monitoring solution, consolidates multichannel activity into a single holistic view of all account holder interactions. This unified platform enables data-centric fraud monitoring services to detect complex fraud schemes, including those related to the structuring of funds in anti-money laundering schemes.

eSCORE®, built on the eDETECT® real-time and near-real-time debit card fraud monitoring solution, is the next-generation fraud monitoring tool designed to enhance the capabilities of eDETECT®. It targets fraud risks across face-to-face and e-commerce card-not-present debit transactions.

eAUTHENTICATE uses adaptive machine learning models to evaluate incoming transactions against confirmed fraud data and assign it a fraud score. The fraud score indicates the likelihood of fraudulent activity based on multiple data points.

LOCK’N’BLOCK® is a mobile card control service that lets cardholders “lock” their debit card to “block” unauthorized or unwanted use. Cardholders access LOCK’N’BLOCK® through their financial institution’s online or mobile banking application, where they can register cards, view statuses and adjust debit cards between locked and unlocked.

Country Block enables you to reduce your cardholder’s exposure to international fraud by controlling individual country authorizations. The Travel Exclusion add-on allows specific traveling cardholders make transactions in otherwise “blocked” regions.

Hot Card Automation helps financial institutions reduce fraud through an automated card block process based on files from the Interac® Fraud Alert System (Skim Zone). To help prevent fraud, cards flagged as “hot” are identified in reports and proactively replaced to minimize fraud risk.

We’ve been at the forefront of mobile wallet adoption since the beginning. Today, 100% of tokenized Interac® mobile debit transactions in Canada are processed through our platform, demonstrating the reliability and expertise trusted by institutions and consumers.

Our Payment Network Gateway service powers banks, credit unions and POS processors with technology infrastructure and network connectivity. We operate the industry-standard ACI Base24/HP NonStop payments processing platform, a premier switch infrastructure with redundance architecture, to facilitate stability and performance.

We provide Payment Network Gateway services to over 98% of Canadian credit unions and more than 55% of consumer-facing Schedule I and Schedule II banks, offering connectivity, transaction processing, settlement, reporting and compliance across 14 payment networks. Payment networks we support:

Our Indirect Connector Services offers an all-in-one payment gateway for acquirers, fintechs and payment service providers to access Interac® debit acquiring. It also supports mobile POS and in-app and in-browser debit payments.

Our ISO Program provides merchant services for independent sales organizations, supporting POS device boarding and management. We process Interac® debit transactions, while credit transactions are routed through our third-party partners for authorization.

Our PIN Stations provide POS terminals for card issuers to manage PIN services in-branch, such as setting, changing and resetting PINs.

Device Certification is a network certification service for device setup, helping host-to-host and ISO customers onboard smoothly.

The Merchant Acquiring Program is our referral program, allowing credit unions to refer business members to Chase merchant services for payment acceptance solutions.

Our Member Profile Pop-Up service enables you to perform Know Your Customer (KYC) verification through chip and PIN verification at PIN stations. Once the PIN is validated, the member’s demographic profile is displayed on the teller’s screen.