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 * Consumers
   * Our Products
     * Interac e-TransferSend money via email or text message.
       * Enhanced FeaturesAdded capabilities of INTERAC e-Transfer
       * International TransfersSend money overseas.
     * Interac DebitMore than just a card.
       * Contactless PaymentsThe faster way to check out.
       * Chip and PIN
       * e-Commerce PaymentsShop the web and in mobile apps.
       * Cross-Border PaymentsPay with your card in the U.S.
       * ABM withdrawalsWithdraw cash at your convenience.
         * Find an ABMSearch for an ABM close to you.
   * Safety & Security
     * Interac DebitThe security behind checking out.
       * Transaction LimitsAll transactions have a cap for security.
       * Zero Liability PolicyProtection for things you can’t control.
     * Interac e-TransferThe security behind sending money.
   * Support
     * FAQ – ConsumersFind answers to common questions.
     * Interac e-Transfer Support FormEmail support form.
     * Understanding FeesHow our fees work.
     * Contact UsKey contact information.
 * Business
   * New to Interac Payment Solutions?
     * BenefitsAdvantages for your business.
     * Our RoleHow we work for your business.
     * Find an AcquirerSearch for a solutions provider.
   * Our Products
     * Interac e-TransferEasy invoicing, payroll and deposits.
     * Interac DebitSecure point-of-sale payments.
       * Contactless PaymentsFaster checkout for smaller purchases.
       * e-Commerce PaymentsEasy payment on mobile devices.
         * Merchant GuideA technical guide for Interac Online.
       * ABM WithdrawalsOn-premise ABMs.
       * Transit Solutions
   * Safety & Security
     * Interac DebitSafety at point-of-sale checkout.
       * Interac Debit For Online PaymentsThe security of e-Commerce checkout.
     * Interac e-TransferThe security behind money transfer.
     * Point-of-Purchase Integrity ChecklistDownload a security checklist.
   * Support
     * Code of ConductReport a problem with a service provider.
     * Understanding FeesLearn about our solutions fee structure.
     * Business FAQsFind answers to common questions.
     * Contact UsKey contact information.
     * Point-of-Sale Materials
 * About
   * Our People
     * Leadership TeamThe members of our Executive Team.
     * Board of DirectorsThe members of our Board of Directors.
     * Diversity & Inclusion
     * The Ombudsman’s Office
   * Our Company
     * HistoryThe history of Interac.
     * Corporate Year in Review
   * Careers
     * Developer Life at Interac
     * Life at InteracOur company culture.
     * Student Life at InteracOur student work program.
   * Network ParticipantsRole definitions.
   * Contact Us
 * FAQs
   * Consumer
   * Business
 * In The Know

 * Consumers
   * Back
   * Consumers – Home
   * Our Products
     * Back
     * Interac Products – Home
     * Interac e-Transfer
       * Back
       * Interac e-Transfer – Home
       * Enhanced Features
       * International Transfers
     * Interac Debit
       * Back
       * Interac Debit – Home
       * Contactless Payments
       * Chip and PIN
       * e-Commerce Payments
       * Cross-Border Payments
       * ABM withdrawals
         * Back
         * ABM withdrawals – Home
         * Find an ABM
   * Safety & Security
     * Back
     * Security – Home
     * Interac Debit
       * Back
       * Interac Debit – Home
       * Transaction Limits
       * Zero Liability Policy
     * Interac e-Transfer
       * Back
       * Interac e-Transfer – Home
   * Support
     * Back
     * Support – Home
     * Interac e-Transfer Support Form
     * FAQ – Consumers
     * Understanding Fees
     * Contact Us
 * Business
   * Back
   * Business – Home
   * New to Interac Payment Solutions?
     * Back
     * New to Interac Payment Solutions – Home
     * Benefits
     * Our Role
     * Find an Acquirer
   * Our Products
     * Back
     * Our Solutions – Home
     * Interac e-Transfer
     * Interac Debit
       * Back
       * Interac Debit – Home
       * Contactless Payments
       * eCommerce Payments
         * Back
         * eCommerce Payments – Home
         * Merchant Guide
       * ABM Withdrawals
       * Transit Solutions
   * Security
     * Back
     * Security – Home
     * Interac Debit
       * Back
       * Interac Debit – Home
       * Interac Debit For Online Payments
     * Interac e-Transfer
     * Point-of-Purchase Integrity Checklist
   * Support
     * Back
     * Support – Home
     * Code of Conduct
     * Understanding Fees
     * Business FAQs
     * Contact Us
 * About
   * Back
   * About – Home
   * Our People
     * Back
     * Our People – Home
     * Leadership Team
     * Board of Directors
     * Diversity and Inclusion
     * The Ombudsman’s Office
   * Our Company
     * Back
     * Our Company – Home
     * History
     * Corporate Year in Review
   * Careers
     * Back
     * Careers – Home
     * Developer Life at Interac
     * Student Life at Interac
     * Life at Interac
   * Network Participants
   * Contact Us
 * FAQs
   * Back
   * Consumer
   * Business
 * In The Know


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FREQUENTLY ASKED QUESTIONS

Have questions? Easily browse answers by Interac® product.

 * Home
 * Consumers
 * Support
 * FAQ – Consumers Current Page

 * Interac e-Transfer
   * Request Money
   * Autodeposit
   * Interac e-Transfer Security
   * International Transfer
 * Interac Debit Chip and PIN & Contactless Payments
   * Transit Open Payments
 * Mobile
   * Apple Pay
   * Google Pay
   * Samsung Pay
 * e-Commerce
   * Interac Debit for Online Payments
 * Interac Debit ABM Withdrawals


INTERAC E-TRANSFER

   
 * What is Interac e-Transfer?
   
   Interac e-Transfer is a fast, secure and convenient way to send money to
   anyone in Canada using online banking. The participating bank or credit union
   transfers the funds using established and secure banking procedures.
   Transfers are almost instant, but can take up to 30 minutes depending on your
   bank or credit union.
   
   Visit our Interac e-Transfer page for step-by-step instructions on how it
   works.
   
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 * Help, I sent money via an Interac e-Transfer and I need to speak with
   someone. Who do I contact?
   
   Please contact your bank or credit union to troubleshoot any transactions in
   progress. The contact information is usually on the back of your Interac
   debit card. You can also use this Interac e-Transfer form.
   
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 * I’d like to use Interac e-Transfer for Business.
   
   Please visit our business page or FAQ for business for more info.
   
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 * Is paying with Interac e-Transfer the same as paying by Interac Debit or
   Interac Debit for online payments?
   
   No. While all three methods allow you to directly pay with funds from your
   own bank account, Interac e-Transfer electronically transfers money from your
   bank account to another one. Interac Debit and Interac Debit for online
   payments uses a different method of payment.
   
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 * How do I send money via Interac e-Transfer?
   
   Exact steps vary by individual bank or credit union, but the process will
   always be simple. Just log into your online bank account, navigate to the
   Interac e-Transfer section and follow the instructions.
   
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 * How do I cancel an Interac e-Transfer transaction?
   
   To cancel a transfer, log into your online bank account. Go to the
   transaction or payment history and select the Interac e-Transfer transaction
   you wish to cancel. Use the cancel option provided. This process varies by
   financial institution, who may also charge a cancellation fee. Contact your
   bank or credit union for more information.
   
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 * I need to cancel a transfer, but the recipient has already accepted the
   deposit. How do I reverse an Interac e-Transfer transaction?
   
   Unfortunately, once a deposit has been made there is no way to reverse the
   transaction. You’ll have to make arrangements directly with the recipient.
   You should only send money transfers to parties you know and trust. For most
   Interac e-Transfer uses (sending money to family and friends, repaying IOUs,
   sending money as gifts, etc.), you will know the recipient well. For uses
   where you may not know the recipient (e.g., online auction purchases), take
   the same precautions you would take when making cash purchases. For online
   auctions and purchases, be sure to read and follow any steps recommended by
   the operators of these websites to safely transact.
   
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 * I received a notification that I’m being sent money via Interac e-Transfer.
   How do I deposit the funds?
   
   When someone sends you money via Interac e-Transfer, you will receive an
   email or text message that a transfer has been sent to you. The notification
   includes information such as:
   
    * Sender’s name
    * Transfer amount
    * A link to deposit your transfer to your bank account
   
   The fastest way to get your funds is through your financial institution’s
   online or mobile banking service. Simply click the link in the notification,
   select your bank or credit union, login to online or mobile banking and
   deposit the money into the account of your choice. If you cannot click on the
   link, either cut and paste or type the link into your browser. You will be
   prompted to enter the answer to a security question set by the sender, as
   part of the secure login process. Alternatively, Autodeposit is an Interac
   e-Transfer feature that allows users to register to have incoming Interac
   e–Transfer funds deposited directly into their bank account – no security
   question and answer needed. Learn more about Interac e-Transfer enhanced
   features below.
   
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 * How secure is it to send money by email or text message through Interac
   e-Transfer?
   
   You are not sending money by email or text message: Only the notification
   travels over the Internet to advise the recipient that the transfer has been
   initiated and to provide instructions on how to deposit the money. The money
   always resides safely at a financial institution and is transferred through
   existing payment networks that banks and credit unions have used for years to
   settle cheques, bank machine deposits and withdrawals. Security measures have
   been built into the system, including:
   
    * Encryption technology
    * Confidential user IDs and passwords issued by financial institutions
    * Secure login process
    * A security question and answer to ensure only the intended recipient
      receives the money
    * 128-bit browser encryption
   
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 * How much does it cost to send money via Interac e-Transfer?
   
   There may be a fee from your financial institution for using the Interac
   e-Transfer service. Please check with your bank or credit union directly.
   
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 * Are there limits on the amount I can send?
   
   Like most financial transactions, there are limits on the amount you can
   send. Each financial institution sets their own. Please contact your bank or
   credit union for details.
   
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 * I received an Interac e-Transfer text message, but did not opt-in to this
   service. How do I stop receiving them?
   
   You received a text notification because the sender selected “text message”
   to send you money via Interac e-Transfer. We recommend you provide the sender
   with your email address instead for sending.
   
   To permanently stop all text notifications from Interac e-Transfer, reply to
   an Interac e-Transfer text with the message STOP (or text STOP to 100001).
   Please note: Once stopped, text message notifications cannot be reinstated
   for all transactions moving forward. Standard text messaging rates apply.
   
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 * Can I respond to an Interac e-Transfer text message?
   
   Yes, you can either reply to the text message or send a message to 100001.
   There are two responses our system recognizes (standard text messaging
   charges apply):
   
   Type “Help” into the text message:
   
   This will result in a text message back to you with the URL for this website
   interac.ca. You will be instructed to click on the link or paste it into your
   browser.
   
   Type “Stop” into the text message:
   
   This will permanently stop all text message notifications from Interac
   e-Transfer. Once stopped, text message notifications cannot be re-instated.
   
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 * Can I send money via Interac e-Transfer through this website?
   
   No. The only way you can send money with Interac e-Transfer is through a
   participating bank or credit union’s online banking system. This allows the
   financial institution to identify you and process the transfer instantly.
   Check to make sure your bank or credit union offers Interac e-Transfer. If
   so, you can sign up for online banking on their website or contact them
   directly for more details.
   
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 * What happens if I send money via Interac e-Transfer to a landline number?
   
   If you also provided an email address, the recipient will be notified by
   email. Otherwise, you may be informed that the transfer notification could
   not be delivered. If this is the case, you will be directed to either reclaim
   your transfer or correct the contact information of your recipient.
   
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 * I tried sending an Interac e-Transfer notification to a mobile phone number,
   but received an email and/or text message saying it did not go through. Why?
   
   Always make sure you have entered the correct mobile phone number each time
   you wish to send money via Interac e-Transfer. It’s possible you received the
   notification because:
   
    * The phone number entered is a land line.
    * You entered a non-Canadian mobile phone number.
    * The recipient has blocked Interac e-Transfer notifications from being sent
      to his/her mobile phone number.
    * The recipient is encountering technical issues on his/her mobile phone and
      therefore the message cannot be delivered (e.g., mobile network
      unavailable)
    * The Mobile Network Operator does not support all text messages
   
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 * Can I accept an Interac e-Transfer without a Canadian bank account?
   
   If you have received an Interac e-Transfer and do not have an account with a
   participating Canadian bank, ask your sender to cancel the transfer. Once the
   transfer is cancelled, the funds will be returned to the sender’s account. If
   you are unable to contact your sender, the transfer will expire in
   approximately 30 days. Once the transfer expires, the money is automatically
   deposited into the sender’s account.
   
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 * How much does it cost to receive money via Interac e-Transfer?
   
   There may be a fee from your financial institution for using the Interac
   e-Transfer service. Please check with your bank or credit union directly.
   
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 * What can I do if I received money via Interac e-Transfer, but my bank doesn’t
   offer the service?
   
   If your bank or credit union doesn’t offer Interac e-Transfer, you cannot
   receive funds. Please contact your bank or financial institution for
   additional information.
   
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 * What if I don’t want to accept the funds sent to me via Interac e-Transfer?
   
   Please note the experience will vary by participating financial institution.
   There are two options:
   
    1. You can simply ignore notifications until the transaction expires (30
       days). Upon expiration, funds that were sent will automatically be
       redeposited into the sender’s account.
       
       You will have to take this option if your bank does not offer the option
       to decline in their system.
       
    2. If your bank or credit union does provide an option to decline, you
       follow these steps:
       * Click the deposit link found inside the email or text notification
       * Select your financial institution to deposit the funds to
       * Login to your financial institution’s mobile/online banking portal
       * Answer the security question
       * Select “decline”
       * You will also have the option to provide a message back to the sender,
         upon declining
   
   Contact your bank or credit union directly for more information.
   
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 * What if I don’t know the answer to the security question or I use the wrong
   answer multiple times?
   
   If you don’t know the answer to the security question, contact the sender. If
   you answer the security question incorrectly more than three times, the
   Interac e-Transfer transaction will automatically cancel.
   
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REQUEST MONEY

   
 * What is Interac e-Transfer Request Money?
   
   Request Money is a feature that allows you to send a request for funds via
   the Interac e-Transfer system. To learn more about Interac e-Transfer, click
   here. Once the request is fulfilled and the funds are available in your
   account, you will receive a notification via text or email. Click here for a
   list of participating banks and credit unions, and to learn more about the
   Interac e-Transfer Request Money feature. 
   
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 * Can I opt-out of the Request Money feature?
   
   Yes, you can opt-out of receiving requests from a particular requestor or of
   the service completely, by selecting the opt-out option on the fulfillment
   page. You can also opt-in to receive requests from a particular individual,
   or for the service, by managing your preference through your financial
   institution’s online banking or mobile banking application. Simply navigate
   to the Interac e-Transfer settings or by clicking here. Please note this
   experience will vary by participating financial institution.
   
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 * How much does the Interac e-Transfer Request Money feature cost?
   
   There may be a fee from your bank or credit union for using Interac
   e-Transfer Request Money. Please contact your bank or credit union directly.
   
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AUTODEPOSIT

   
 * What is Interac e-Transfer Autodeposit?
   
   Autodeposit is an Interac e-Transfer feature that allows users to register to
   have incoming Interac e–Transfer funds deposited directly into their bank
   account – no security question and answer needed. Click here for a list of
   participating banks and credit unions, and to learn more about the Interac
   e-Transfer Autodeposit feature.
   
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 * Is Interac e-Transfer Autodeposit secure?
   
   Yes. Autodeposit enjoys the same bank-grade security standard as Interac
   e-Transfer. Interac e-Transfer is one of the safest digital money transfer
   services in the world. When you send or request money via Interac e-Transfer,
   the funds are transferred through established and secure banking procedures
   that banks and credit unions have used for years. Money never travels by
   email or text – these are simply used to notify you about the transaction, as
   well as provide deposit instructions.
   
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 * How do I register for Interac e-Transfer Autodeposit?
   
   The availability of the Autodeposit feature, along with the experience to
   register, will vary by financial institution. To register for Interac
   e-Transfer Autodeposit, log into your online or mobile banking account and go
   to your Interac e-Transfer profile settings. Once there, add the identifier
   (email address or text) you want associated with Interac e-Transfer
   Autodeposit and select the account into which you want funds deposited. You
   will receive a request to verify registration. The next time someone sends
   funds to the identifier registered, the money will be deposited directly into
   your account without the need to answer a security question.
   
   Check with your participating bank or credit union for further details.
   
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 * I don’t see the ability to register for the Interac e-Transfer Autodeposit
   feature with my bank.
   
   Some financial institutions might not offer Interac e-Transfer Autodeposit.
   Check with your participating bank or credit union to confirm.
   
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 * I am not receiving the Interac e-Transfer Autodeposit registration
   verification email.
   
   If you haven’t received the Autodeposit verification email, check your junk
   email folder. If you still can’t find the notification, you’ll have to
   re-register for the feature through your bank or credit union’s online
   banking or mobile banking application.
   
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 * I have confirmed my Interac e-Transfer Autodeposit registration but it’s
   still not active.
   
   There may be temporary issues in activation. Once Interac e-Transfer
   Autodeposit is activated, we will notify you. Check with your participating
   bank or credit union for further details.
   
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 * How many email addresses can I register for Interac e-Transfer Autodeposit?
   
   You can register multiple email addresses per account for Interac e-Transfer
   Autodeposit. However, once an email is registered, it can’t be used again
   with another account. The exact number of email addresses that can be
   registered for the Autodeposit feature per account depends on each financial
   institution. Check with your participating bank or credit union for further
   details.
   
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 * How can I change the email address for Interac e-Transfer Autodeposit?
   
   To update your email address, simply go back into your Interac e-Transfer
   settings to edit the email address. Exact experience will vary by financial
   institution. Check with your participating bank or credit union for further
   details.
   
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 * How do I deactivate my Interac e-Transfer Autodeposit registration?
   
   To deactivate the Autodeposit feature, simply go back into your Interac
   e-Transfer settings and deactivate it. Exact experience will vary by
   financial institution. Check with your participating bank or credit union for
   further details.
   
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INTERAC E-TRANSFER SECURITY

   
 * What is email fraud, phishing or spearphishing, SEO poisoning, or SMS
   phishing?
   
   Phishing is a scam where fraudsters attempt to acquire personal and/or
   financial information like passwords, card numbers, etc., by masquerading as
   a trustworthy person or business through electronic communications. Phishing
   is typically carried out using email or an instant message, although phone
   contact has been used as well.
   
   In some instances, the fraudster sends authentic-looking emails or text
   messages (smishing) that appear to come from legitimate companies, requesting
   recipients to disclose personal and/or financial information that is later
   used to commit fraud.
   
   Be suspicious if you receive a notification you weren’t expecting that money
   has been sent via Interac e–Transfer. Contact the sender to confirm. If you
   can’t confirm, please forward the notification to phishing@interac.ca
   immediately.
   
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 * I have been offered a job as an e-Transfer agent. Does Interac work with
   e-Transfer businesses?
   
   No. Interac does not hire transfer agents. There have been instances of
   employment recruitment scams in which Canadian job hunters are hired as
   agents for “foreign companies”. In fact, the job hunters may actually end up
   being used as “mules” to transfer stolen funds outside of Canada. Anyone who
   participates, even unknowingly, could be deemed an accomplice to a crime and
   may be prosecuted. We urge you to fully investigate any such job offers.
   
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 * How do these e-Transfer business scams work?
   
   In the typical scenario, the “employer” poses on job recruitment websites as
   a legitimate foreign company looking for an agent to represent them in
   Canada. The job is to accept payment from Canadian customers and transfer
   proceeds offshore. The employer indicates that a key qualification is to have
   access to an online bank account and receive Interac e-Transfer funds.
   
   Once the employee receives the funds, he or she is instructed to transfer the
   money via a wire transfer service. As compensation, the employee or “transfer
   agent” is paid a percentage of the funds. This is often a front for an
   illegal operation.
   
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 * How can I tell if a job offer is part of a scam? The information looks very
   professional.
   
   You may receive employment agreements, websites and other types of official
   information. While these websites and employment agreements appear
   legitimate, often they are not.
   
   Click here to learn more about frauds and scams. To report fraud click here.
   
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 * Tips to protect yourself.
   
   Click here to learn more about frauds and scams. To report fraud click here.
   
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INTERNATIONAL TRANSFER BY MASTERCARD AND INTERAC

   
 * What is International Transfer by Mastercard® and Interac®?
   
   International Transfer by Mastercard and Interac is a safe, fast and
   cost-effective way for Canadians to send money internationally from any bank
   account in Canada to bank accounts worldwide.
   
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 * Which countries can I send money to?
   
   You can send money to more than 75* countries worldwide from your Canadian
   bank account.
   
   *Will vary by financial institution.  For current list of countries, please
   contact your financial institution.
   
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 * How do I send an International Transfer by Mastercard and Interac?
   
   You can send money internationally in for easy steps:
   
    1. Log In: Log in to online or mobile banking.
    2. Select “Send Money” > International: Select the recipient’s destination
       and banking information.
    3. Request Processing: Your request is sent to the recipient and the will
       receive a notification via email when the funds have been sent.
    4. Request Fulfilled: Funds are directly sent to the recipient’s bank
       account.
   
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 * What is an IBAN number?
   
   An IBAN number is an International Bank Account Number and it is required in
   order to send/receive money with International Transfer by Mastercard and
   Interac.
   
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 * Is there a fee and limit for International Transfer by Mastercard and
   Interac?
   
   Please contact your financial institution for information for details.
   
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 * What is the foreign exchange rate that will be charged?
   
   The currency exchange rates that apply are the current daily rate posted by
   your financial institution. When initiating the transfer, you know what to
   expect before sending, with no hidden fees or exchange rate adjustments
   mid-transfer. The amount you see is the amount you send, all built in one
   number with zero surprises.
   
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 * How long will it take for the funds to arrive?
   
   Most transfers reach their destination within 1–2 business days.  Once the
   transfer has been successfully sent, the confirmation will display ETA
   delivery timeframes.
   
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 * How do I know that my funds will arrive safely into my recipient’s bank
   account?
   
   You will receive a notification via email when the funds have been sent and
   the recipient will receive an email notifying them of the transfer.
   
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 * How can I ensure that my personal information and my recipient’s information
   will be secure?
   
   When sending money using International Transfer by Mastercard and Interac,
   you can rely on the trusted, secure technology from Mastercard and Interac. 
   Your transaction is well protected from start to finish.
   
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 * Do I need a Mastercard card to send an International Transfer by Mastercard
   and Interac?
   
   In order to send money internationally using International Transfer by
   Mastercard and Interac, you do not need a Mastercard card.  All you need is a
   bank account with a participating financial institution.  (Currently National
   Bank only, include list of FIs at launch)
   
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 * When do funds leave my bank account?
   
   The funds leave your bank account immediately upon confirmation of the
   transfer.
   
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 * How does International Transfer differ from Interac e-Transfer?
   
   When you make an International transfer, your experience is familiar as you
   are able to access the service using your online banking the difference is
   that you would select “Send Money > International” when performing a
   transfer. 
   
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 * What channels can you use to send an International Transfer by Mastercard and
   Interac?
   
   You can access the service by using the online or mobile website for your
   participating financial institution.  
   
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 * Can I set up recurring payments with International Transfer by Mastercard and
   Interac?
   
   Not at this time. 
   
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 * Can I receive money to my bank account with International Transfer by
   Mastercard and Interac?
   
   International Transfer by Mastercard and Interac provides the ability to send
   money to an international bank account from your Canadian bank account,
   therefore as a Canadian resident, you are not able to receive funds to your
   account.
   
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 * Can I cancel an International Transfer by Mastercard and Interac?
   
   The timeframe to cancel will vary based on the financial institution’s
   internal processes. If you need to cancel an International Transfer, please
   contact your financial institution. 
   
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 * I’m unsure about using International Transfer by Mastercard and Interac to
   pay someone I don’t know. What should I do?
   
   Always be careful when sending money online.  Like using cash, you should
   send money transfers only to parties you know and trust, for example, sending
   money to family and friends back home, repaying IOUs, sending monetary gifts,
   etc. For uses where you may not know the recipient well, take the precautions
   you would normally take when making cash purchases.
   
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 * I sent money using International Transfer to someone and they did not receive
   it. What do I do?
   
   If the estimated time of delivery has passed and the recipient has not
   received the funds, please contact your financial institution. 
   
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 * What do I do if something goes wrong with my International Transfer (e.g.:
   Error Message)?
   
   Please contact your financial institution if you require assistance with the
   service. 
   
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INTERAC DEBIT CHIP AND PIN & CONTACTLESS PAYMENTS

   
 * How do Interac Debit Chip and PIN and contactless payment transactions work?
   
   Interac Debit Chip and PIN and contactless transactions are approved by your
   bank or credit union through secure online systems in real-time. Transactions
   appear instantly on your bank account records, allowing you to monitor your
   available balance so you can keep track of your spending.
   
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 * How secure are Interac Debit and contactless payments?
   
   Security is important to us. Chip-enabled Interac Debit and contactless
   enabled cards are extremely secure and protected from fraud tactics such as
   skimming, duplicating and electronic pickpocketing. When you make a payment,
   the only data transmitted consists of payment transaction codes, not
   confidential details about your bank account. Transactions occur in real
   time, so no information can be captured by criminals to conduct fraudulent
   transactions or commit identity theft.
   
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 * What safeguards are in place with Interac Debit Chip and PIN and contactless
   payments to protect me against fraudulent transactions?
   
   Interac Debit Chip and PIN and contactless payments are extremely secure with
   sophisticated safeguards and fraud detection tools in place to protect you:
   
    * Interac debit cards use EMV secure chip processing to store and process
      data securely. This makes it next to impossible to create counterfeit
      cards and protects you against fraud tactics such as skimming, transaction
      replay and electronic pickpocketing.
    * When you use Interac Debit on your mobile device, you enjoy the same
      security features as your Interac debit card, as well as your device’s
      standard security measures such as passcode or biometric ID verification.
    * Transaction limits are set at up to $250 per transaction.  There is also
      added protection of a cumulative contactless limit set by individual banks
      or credit unions.  A cumulative limit is the maximum contactless spend
      limit that can be done by an individual Interac debit card before the user
      is promoted to reset the limit with a Chip and PIN transaction. This
      confirms that you are the authorized cardholder.
   
   You are also protected from any losses due to unauthorized transactions under
   the Interac Zero Liability Policy. If your card is lost or stolen, contact
   your bank or credit union right away.
   
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 * What does “provided you took reasonable measures to protect your card and
   PIN” mean?
   
   While there are multiple safeguards in place, as an Interac debit cardholder,
   you also play an important role in protecting yourself from fraud:
   
    * Only you should use your Interac debit card or mobile device to make
      purchases.
    * Choose a PIN that’s difficult for others to guess, avoiding obvious
      numbers like your telephone number or birthdate, and don’t share it with
      anyone. 
    * Check your bank statements regularly and immediately report any unusual
      activity to your bank or credit union.
    * If your card is lost or stolen, contact your bank or credit union right
      away.
   
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TRANSIT OPEN PAYMENTS

   
 * What are Transit Open Payments?
   
   Transit Open Payments or open payment fare systems provide the ability for
   transit riders to tap a payment card or a mobile wallet at fare readers
   without the need to use a transit fare card or transit app to pay for their
   fare. Interac is enabling the ability for a debit card or mobile wallet
   supported by Interac® Debit to be used for this purpose.
   
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 * Where can I use Interac Debit for Transit Open Payments?
   
   The ability to pay for transit directly via Interac Debit is currently
   available by Metrolinx on the UP Express in Toronto. This payment method will
   be rolled out in phases including additional transit authorities across
   Canada.
   
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 * Are Transit Open Payments going to be available with all transit authorities
   in all cities in Canada?
   
   While many large cities internationally have implemented support for Transit
   Open Payments, implementation plans are based on transit authorities,
   municipalities and government agencies. Interac is involved in discussions
   with a number of transit authorities across Canada that have expressed
   interest in implementing Transit Open Payments.
   
   To learn more about Transit Open Payments availability in your area, please
   reach out to your local transit authority. 
   
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 * If I currently have a transit authority payment card (such as a PRESTO card),
   will this payment method replace transit fare cards?
   
   It is at the discretion of the transit authority (and/or the municipalities
   served or associated government agencies) to determine payment options
   available to transit system users. Please reach out to your transit authority
   for more information.
   
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 * Who do I contact if I have a problem with a payment made using Interac Debit
   on a fare reader?
   
   You can contact the transit authority directly with questions about payments
   made on transit using Interac Debit.
   
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 * How do I pay my fare using Interac Debit at participating transit locations?
   
   To pay your fare, you simply tap your payment credential (e.g. debit card or
   mobile wallet) on the transit fare reader and enter the transit system.
   
   Transit authorities may deploy a fixed fare or variable fare (e.g. based on
   distance travelled or time) payment model. Under each payment model, customer
   rules around tapping upon entry of transit system or transferring vary across
   transit authorities. Please contact your local transit authority for
   information. The transit authority will automatically calculate the fare and
   process it through your financial institution, normally the same day or by
   the next day.
   
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APPLE PAY

   
 * What is Interac Debit on Apple Pay?
   
   Interac Debit on Apple Pay is a new way to make debit payments using Interac
   Debit on your eligible Apple device.
   
   Interac Debit eCommerce payments are the easy, fast, and secure way for
   Canadians to pay directly from their bank account when shopping online using
   their mobile device. An in-app payment takes place within the merchant’s
   native mobile app. An in-browser payment takes place within a supported
   mobile browser (i.e Safari).
   
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 * What is Apple Pay and can I participate as an Interac Debit user?
   
   Interac Debit cardholders with a debit card issued from participating
   financial institutions can use Interac Debit to pay with Apple Pay at
   merchants who accept contactless payments.
   
   For eCommerce transactions through Interac Debit with Apple Pay, Interac
   debit cardholders with a debit card issued from participating financial
   institutions can pay on select merchant applications or mobile websites using
   Apple Pay. We are continuously working to onboard more issuers and merchants
   to support through Interac Debit with Apple Pay.
   
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 * Which cards and devices are eligible for Apple Pay?
   
   Interac debit cards issued by participating financial institutions are
   eligible to be added to Apple Pay. Please check with your financial
   institution for more details.
   
   For in-app and in-browser transactions, an Interac Debit card from
   a participating financial institution must first be provisioned to the Apple
   device (within the mobile wallet) before it can be used within
   a participating merchant application or mobile website. 
   
   To learn more about how to use Apple Pay or view a list of supported Apple
   devices (iPhone, iPad, Apple Watch, or Mac), please visit
   apple.com/apple-pay.
   
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 * Where can I use Apple Pay?
   
   You can use Interac Debit on Apple Pay to make payments in stores with
   supported devices wherever Interac Flash payments are accepted. Just look for
   the contactless symbol at checkout.
   
   You can also use Interac Debit on Apple Pay for eCommerce transactions to
   make a purchase within the mobile application or mobile website of select
   merchants who have integrated with Apple Pay. We are continuously working to
   onboard more issuers and merchants to support Interac Debit with Apple Pay.
   
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 * How can I add my card to Apple Pay?
   
   For instructions on how to add an Interac debit card to a mobile wallet,
   please visit the Interac Apple Pay page. For your debit card to be accepted
   as a method of payment, your financial institution needs to be a
   participating issuer.
   
   Note: To enable Interac Debit transactions in merchant apps or mobile
   websites, you will need to add your Interac Debit card to your Apple Pay
   wallet first.
   
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 * I was prompted to receive a one-time Verification Code or to call my bank.
   What is this and why is it required?
   
   For security purposes, your financial institution may ask you to enter a
   one-time Verification Code to confirm your identity. This code is a unique
   series of numbers and/or letters that you can choose to receive via email or
   text. If prompted, please select how you wish to receive the one-time
   Verification Code and then enter that code into the appropriate field. For
   Apple Watch, you will need to enter the Verification Code for the Card you
   are adding by going to “Wallet & Apple Pay” in the Apple Watch app on your
   supported device. Please note that you will need a working Internet or data
   connection to receive a one-time Verification Code.
   
   Your one-time Verification Code may expire if you are not able to enter it
   within 10 minutes. You can request another code by selecting your preferred
   verification option again, contacting your financial institution by calling
   the number on the back of your card or using your financial institution’s
   mobile banking app. If you are unable to get a one-time Verification Code,
   please contact your financial institution by calling the number on the back
   of your Card. You may also be asked to call your bank who will activate your
   Interac debit card on Apple Pay on your behalf.
   
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 * Does my Interac Debit card need to be contactless enabled to use it on Apple
   Pay?
   
   No, you do not need a contactless enabled Interac debit card to use Apple
   Pay. However, your financial institution determines if your Interac debit
   card can be added.
   
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 * Can I put multiple cards on my device?
   
   Yes. At this time, Apple allows up to eight cards on a device.
   
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 * Can I put my card on multiple devices?
   
   Your financial institution determines how many devices you can add your
   Interac debit card to. Please check with your financial institution for more
   details.
   
   Note: your card must be added to each device separately.
   
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 * How or where can I make purchases using my Apple Watch?
   
   You can make purchases using your Apple Watch both in-store and within an
   app. Please visit Apple’s page for detailed instructions: :
   https://support.apple.com/en-ca/guide/watch/apdbe9c11bba/watchos
   
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 * Can I add my debit card to more than one Apple Watch?
   
   Yes, you can add your debit card to multiple devices, but your financial
   institution determines the device limit. Please note that your card must be
   added to each device separately.
   
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 * Once I add my card, how can I suspend the ability to make payments or remove
   Cards from my device?
   
   To remove your card on an iPhone, iPad or MacBook, select “Remove Card” in
   the “Wallet & Apple Pay” section of your device “Settings” or on the back of
   your Card in the Wallet app. You can also visit icloud.com/settings to remove
   your card or Find My iPhone to temporarily suspend or permanently remove the
   ability to pay with your Cards on your device.
   
   To remove your card on Apple Watch, go to “Wallet” on your Apple Watch
   device, select your card then hold and tap “Delete” to remove your card.
   Additionally, you can remove your card using the Apple Watch app on your
   iPhone. Open the Apple Watch app, select “Wallet & Apple Pay”, then select
   your card and navigate to the bottom and tap “Remove card.” Please note that
   you can always visit icloud.com/settings to remove your card on Apple Watch.
   
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 * What is a Device Account Number and how is it different from my card account
   number?
   
   For your security, when you add your Interac debit card to Apple Pay, a
   Device Account Number is created for that card on that device. It is separate
   and unique to your device and different from your physical card number. Your
   Device Account Number is used to make purchases with your card using Apple
   Pay so that your real card number is not exposed to third parties.
   
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 * How will an Apple Pay transaction appear on my bank statement?
   
   All transactions made using your Interac debit card in your mobile wallet
   will appear on your bank account statement and your mobile wallet’s
   transaction history.
   
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 * How do I get a refund for something I purchased with Apple Pay?
   
   If you need to make a return for a purchase made with Apple Pay, you can
   receive refunds to your account. The key difference is that you may be asked
   to provide to the cashier the last four digits of your Device Account Number
   instead of the last few digits of your card number. To find the last four
   digits of your Device Account Number for your card, visit the “Wallet & Apple
   Pay” section of your device “Settings” or on the back of your card in the
   Wallet app.
   
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 * Where can I view and manage my card in Apple Pay?
   
   For an iPhone, iPad or MacBook, you can view and manage your cards in Apple
   Pay by going to “Settings” and selecting “Wallet & Apple Pay.” By tapping on
   an individual card, you can view the “Transaction Display” and manage the
   settings associated with that card in Apple Pay.
   
   For iPhone, iPad or MacBook, you can also view and manage your cards in the
   Wallet app. When you select an individual card, you can tap the “i” to get to
   the back of the card, where you can view the “Transaction Display” and manage
   the settings associated with that card in Apple Pay.
   
   For Apple Watch, you can view and manage your cards on Apple Watch within the
   Apple Watch app on your iPhone. Simply tap on an individual card to manage
   the settings associated with that card in Apple Pay. The Apple Watch app will
   not display transaction details or transaction history.
   
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 * I’m getting notifications for my card in Apple Pay on my device. What are
   these notifications and how can I turn them on/off?
   
   You will receive “Card Notifications” for your Interac debit card in Apple
   Pay on iPhone, iPad or MacBook letting you know about Interac Debit purchases
   made with Apple Pay. You can turn your notifications on or off by adjusting
   the “Card Notifications” settings for each Card within the “Wallet & Apple
   Pay” section of your device “Settings.” Please keep in mind that by turning
   off your “Card Notifications,” you will no longer receive transaction
   notifications.
   
   You will not receive specific “Card Notifications” for cards added to Apple
   Pay for your Apple Watch. You may receive notifications on your Apple Watch
   if you have a card added to Apple Pay on your paired iPhone and have push
   notifications enabled.
   
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 * I’m having a problem with my device’s software or hardware. What should I do?
   
   If you are having difficulty with your software or hardware, please contact
   Apple.
   
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 * Is my card account number or other information being shared with Apple?
   
   Your card number will never be shared with Apple.  To help provide the
   best Interac with Apple Pay experience, certain account information will be
   displayed on your device, but not your full account information. If you have
   any additional questions about your device’s security features, please
   contact Apple directly.
   
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 * How secure is an Apple Pay transaction?
   
   Your Interac debit card in Apple Pay is protected by “Touch ID” and/or your
   device “Passcode.” For your security, when you make a purchase using Apple
   Pay, you must either use “Touch ID” or the “Passcode” for your device. All
   your payment information will be encrypted in the Secure Element, a dedicated
   chip in your device.
   
   All transactions also go through the Interac Token Service Provider (TSP), a
   proprietary token platform to ensure the safety and privacy of your financial
   information.
   
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 * Are the transactions listed anywhere for my card in Apple Pay?
   
   Yes, to view your latest transaction, tap the image of your debit card inside
   your mobile wallet, and then tap the icon. The payment information that is
   displayed differs between each financial institution, so you will either see
   your latest transaction, or a series of transactions. This may also include
   all debit transactions, or just the ones conducted on your mobile device.
   Always refer to your account statement for final transaction details. If you
   have additional questions, please contact your financial institution
   directly.
   
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 * If I receive a replacement card, do I need to update my card information with
   Apple Pay?
   
   You will need to contact your financial institution.
   
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 * My device is lost or was stolen, and I want to delete my card. What should I
   do?
   
   If you believe your device or Apple Pay card information has been lost,
   stolen or compromised in any way, call your financial institution immediately
   at the number on the back of your card.
   
   For an iPhone, iPad or MacBook, you can go to the Find My iPhone app to
   temporarily suspend or permanently remove the ability to make payments from
   your device, even if your device is offline. If you suspend your card(s)
   using Find My iPhone, you can reactivate your card(s) simply by unlocking
   your device and entering your Apple ID “Passcode” when prompted. For any
   supported Apple device, you can always go to icloud.com/settings, choose the
   applicable device and delete your card(s).
   
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 * Can I make a transaction in an area where there is no cellphone reception?
   
   Yes, you can make an in-store transaction even if there is no cellphone
   reception.  You will be unable to make an in-app purchase with no cellphone
   reception as the application will require either WiFi or cellphone data
   access.
   
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 * Is the Interac debit card in Apple Pay different than Interac Debit for
   online payments?
   
   Yes. The debit card in Apple Pay enables you to make purchases with your
   device when purchasing in-store with a contactless terminal or in a mobile
   app/website. Interac Debit for online payments is available within select
   merchant’s online checkout page, allowing you to pay through your online
   banking access.  For you more information on Interac Debit for online
   payments, please visit
   https://www.interac.ca/en/consumers/products/interac-debit/e-commerce/#interac-online.
   
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GOOGLE PAY

   
 * What is Interac Debit on Google Pay?
   
   Interac Debit on Google Pay is an easy way to make payments using your
   eligible Android device.
   
   Interac Debit eCommerce payments are the easy, fast, and secure way for
   Canadians to pay directly from their bank account when shopping online using
   their mobile device. An in-app payment takes place within the merchant’s
   native mobile app. An in-browser payment takes place within a supported
   mobile browser (i.e Chrome).
   
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 * What is Google Pay and can I participate as an Interac Debit user?
   
   Interac Debit cardholders with a debit card issued from participating
   financial institutions can use Interac Debit to pay with Google Pay at
   merchants who accept contactless payments.
   
   For Interac Debit with Google Pay transactions, Interac Debit cardholders
   with a debit card issued from participating financial institutions can pay on
   select merchant applications or mobile websites using Google Pay. We are
   continuously working to onboard more issuers and merchants to support Interac
   Debit with Google Pay.
   
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 * Which cards and devices are eligible for Google Pay?
   
   Interac debit cards issued by participating financial institutions are
   eligible to be added to Google Pay. Please check with your financial
   institution for more details.
   
   For Interac Debit with Google Pay transactions, an Interac debit cards from a
   participating financial institution must first be provisioned to the mobile
   device (within the mobile wallet) before it can be used within a
   participating merchant application or mobile website.
   
   To learn more about how to use Google Pay or view a list of supported Android
   devices, please visit https://www.android.com/pay/.
   
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 * How can I get Google Pay on my device?
   
   Google Pay may be preloaded on select Google devices. If your device does not
   have the app, simply download it from Google Play Store.
   
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 * When I try to add my debit card to Google Pay, why am I getting a message
   that says, “This card can’t be added quite yet. Your card will be supported
   soon. We’ll let you know once you can add your card.”?
   
   This message means that Google has not updated your device yet which is
   affecting your ability to add your debit card. Google will send you an email
   and you will receive a notification on your device when it has been updated.
   You will then be able to add your debit card from a participating financial
   institution to use Interac Debit on Google Pay.
   
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 * Where can I use Google Pay?
   
   You can use Interac Debit on Google Pay to make payments in stores with
   supported devices wherever Interac Flash payments are accepted. Just look for
   the Interac contactless logo or the contactless symbol at checkout.
   
   You can also use Interac Debit with Google Pay to make a purchase within the
   mobile application or mobile website of select merchants who have integrated
   with Interac and Google Pay. We are continuously working to onboard more
   issuers and merchants to support Interac Debit with Google Pay.
   
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 * How can I add my Interac Debit card to Google Pay?
   
   For instructions on how to add an Interac debit card to a mobile wallet,
   please visit the Interac Google Pay page. For your debit card to be accepted
   as a method of payment, your financial institution needs to be a
   participating issuer.
   
   Note: To enable Interac Debit transactions in merchant apps or mobile
   websites, you will need to add your Interac debit card to your Google Pay
   wallet first. This process takes place using the Google Pay app on your
   device.
   
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 * I was prompted to receive a one-time Verification Code or to call my bank.
   What is this and why is it required?
   
   For security purposes, your financial institution may ask you to enter a
   one-time Verification Code to confirm your identity. This code is a unique
   series of numbers and/or letters that you can choose to receive via email or
   SMS.
   
   You may also confirm your identity by logging into your financial
   institution’s mobile banking app, if that functionality is available.
   
   Your one-time Verification Code may expire if you are not able to enter it in
   a designated time frame set by your financial institution.
   
   You can request another code by selecting your preferred verification option
   again, contacting your financial institution by calling the number on the
   back of your Interac debit card or using your financial institution’s mobile
   banking app. If you are unable to get a one-time Verification Code, please
   contact your financial institution by calling the number on the back of your
   Interac debit card.
   
   You may also be asked to call your bank who will activate your Interac debit
   card on Google Pay on your behalf.
   
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 * Does my Interac debit card need to be contactless enabled to use it on Google
   Pay?
   
   No, you do not need an Interac debit card to be contactless enabled to use
   Google Pay. However, your financial institution determines if
   your Interac debit card is eligible to be added.
   
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 * Can I put multiple cards on my device?
   
   Yes.
   
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 * Can I put my card on multiple devices?
   
   Your financial institution determines how many devices you can add your
   Interac debit card to. Please check with your financial institution for more
   details.
   
   Note: your card must be added to each device separately.
   
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 * Can I add my card to a smartwatch?
   
   Yes. Please check Google to see which devices and versions are supported.
   
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 * Once I add my card, how can I remove Cards from my device?
   
   There are two options to remove your card from your device:
   
    1. From within the Google Pay application, select the card to remove, click
       “More”, and select “Remove”
    2. Using Android’s “Find your phone” service
   
   You can also contact your financial institution directly to suspend your card
   on your behalf.
   
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 * What is a Device Account Number and how is it different from my card account
   number?
   
   For your security, when you add your Interac debit card to Google Pay, a
   Device Account Number is created for that card on that device. It is separate
   and unique to your device and different from your physical card number. Your
   Device Account Number is used to make purchases with your card using Google
   Pay so that your real card number is not exposed to third parties.
   
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 * How do I make purchases using Interac Debit with Google Pay
   
   For POS transactions, at checkout, unlock your Android device (if you wish to
   pay using a non-default card, you will need to open the Google Pay app and
   select the desired card instead) and simply hold the back near the
   contactless terminal . Your phone will beep or vibrate, and you will see a
   confirmation mark on the screen.
   
   For Interac Debit with Google Pay transactions, you will need to click
   ‘Google Pay’ at checkout, select your Interac debit card, click ‘Pay Now’,
   and provide your authentication to complete the purchase.
   
   Note: your financial institution must be supporting Interac Debit with Google
   Pay.
   
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 * How will a Google Pay transactions appear on my bank statement?
   
   All transactions made using your Interac debit card in your mobile wallet
   will appear on your bank account statement and your mobile wallet’s
   transaction history.
   
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 * How do I get a refund for something I purchased with Google Pay?
   
   Returning an item purchased with your mobile device is just like any other
   return; you will need your receipt (depending on the merchant’s policy).
   Depending on the merchant’s policy, you may need to use the contactless
   reader when instructed by the merchant. The key difference is that you may be
   asked to provide to the cashier the last four digits of your Device Account
   Number instead of the last few digits of your card number. To find the last
   four digits of your Device Account Number for your card, visit the “Google
   Pay” app on your device, select the card, and scroll down to see the ”Virtual
   Account Number”.
   
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 * I’m getting notifications for my card in Google Pay on my device. What are
   these notifications and how can I turn them on/off?
   
   You will receive transaction notifications for your Interac debit card on
   your phone letting you know about Interac debit purchases made with Google
   Pay. You can turn your notifications on or off by adjusting the settings
   within the Google Pay app.
   
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 * I’m having a problem with my device’s software or hardware. What should I do?
   
   If you are having difficulty with your Google Pay software, please contact
   Google (google.com/google-pay). If you are having difficulty with your mobile
   device’s hardware, please contact your phone provider or manufacturer.
   
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 * Is my card account number or other information being shared with Google?
   
   When you add your Interac debit card to Google Pay, your account information
   is not shared with Google. To set up Interac Debit on Google Pay, certain
   information will be encrypted and then used to generate a unique device
   account number that is securely stored on your device. Each transaction is
   authorized with a one-time token so you can pay in confidence knowing your
   personal financial information is never shared with merchants. Your account
   number will never be shared with Google. If you have any additional questions
   about your device’s security features or how Google uses other information,
   please contact Google directly.
   
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 * How secure is a Google Pay transaction?
   
   Your Interac debit card in Google Pay is protected by your mobile phone’s
   standard device unlock (ie. fingerprint, passcode, pin or pattern). For your
   security, all POS transactions require you to unlock your phone in order to
   authenticate your purchase. For Interac Debit with Google Pay transactions,
   you must provide your device unlock authentication for each successful
   purchase. 
   
   All transactions also go through the Interac Token Service Provider (TSP), a
   proprietary token platform to ensure the safety and privacy of your financial
   information.
   
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 * Are the transactions listed anywhere for my card in Google Pay?
   
   Interac Debit with Google Pay transaction information can be found when you
   select your Interac debit card within the Google Pay app.
   
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 * If I receive a replacement card, do I need to update my card information with
   Google Pay?
   
   You will need to contact your financial institution.
   
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 * My device is lost or was stolen and I want to delete my card. What should I
   do?
   
   If you believe your device or Google Pay card information has been lost,
   stolen or compromised in any way, call your financial institution immediately
   at the number on the back of your card.
   
   If the remote location access for your device is turned on in advance, you
   can remotely lock your device or do a factory reset, take these steps:
   
    * Sign in to your Google account on your device in order to use the “Android
      Device Manager”
    * To turn on the location access from your device’s apps menu, open “Google
      Settings” and touch “Security”
    * Under “Android Device Manager”, move the switches next to “Remotely locate
      this device” and “Allow remote lock” and “Factory reset” to the “On”
      position
   
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 * Can I make a transaction in an area where there is no cellphone reception?
   
   You can make an in-store transaction even if there is no cellphone
   reception.  You will be unable to make an in-app purchase with no cellphone
   reception as the application will require either WiFi or cellphone data
   access.
   
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 * Is the Interac debit card in Google Pay different than Interac Debit for
   online payments?
    * Interac Debit with Google Pay enables you to make purchases with your
      Android device when purchasing in-store with a contactless terminal.
    * An in-app or in-browser payment leverages your Interac debit card within
      your mobile wallet. When you are ready to pay, the app or browser
      communicates with your mobile wallet, which tells it that your Interac
      debit card is provisioned in your wallet, so the payment can be authorized
      like it would be if making a mobile payment in-store/point of sale.
    * With online payments, the payment is authorized through online banking.
      The merchant redirects you to a gateway page where you select the
      financial institution they would like to pay from. Interac then redirects
      your browser to your financial institution’s online banking site for
      authentication.”)
   
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 * What is the difference between Interac Debit with Google Pay and Interac
   Debit within my financial institution’s mobile wallet using my Android
   device?
   
   These are two different wallets with different experiences, but both allow
   you to make Interac Debit transactions safely and securely.
   
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 * Is there a fee associated with using Interac Debit with Google Pay?
   
   No. There is no fee associated with using Interac Debit with Google Pay
   itself. However, some merchants may charge a flat fee for debit transactions
   in general at the point-of-sale terminal.
   
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 * Does Interac Debit on Google Pay use cellular data?
   
   When you add your Interac debit card to Google Pay, you are provided with a
   limited amount of tokens to be used for transactions. These tokens are
   replenished using a small amount of cellular data (or Wi-Fi if a connection
   is available) for future purchases.
   
   Once your Interac debit card is added to your Google Pay Wallet, you do not
   need cellular data or a Wi-Fi connection to make a point-of-sale transaction,
   but you will require it for in-app/in-browser transactions to access the
   merchant app/website.
   
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SAMSUNG PAY

   
 * What is Interac Debit on Samsung Pay?
   
   Interac Debit on Samsung Pay is an easy way for consumers with Interac debit
   cards issued by participating financial institutions to make fast and secure
   mobile contactless payments using Samsung Pay.
   
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 * What is Samsung Pay and can I participate as an Interac Debit user?
   
   Canadian Interac debit cardholders can now use an eligible debit card from
   their participating financial institutions with Samsung Pay to pay at stores
   that accept contactless payments.
   
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 * Which cards and devices are eligible for Samsung Pay?
   
   At this time, Interac debit cards issued by Canadian participating financial
   institutions are eligible to be added to Samsung Pay. Please check with your
   financial institution for more details.
   
   Samsung Pay works on most Samsung NFC-capable devices, click here for a list
   of the supported devices and software requirements. NFC-capable devices
   enable you to make purchases at merchants who displays the contactless symbol
   at checkout.
   
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 * How can I get Samsung Pay on my device?
   
   You can get the Samsung Pay app by downloading it from Samsung Galaxy Apps.
   
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 * Where can I use Samsung Pay?
   
   You can use Interac Debit on Samsung Pay to make payments in stores with
   supported terminals wherever contactless payments are accepted.
   
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 * How can I add my Interac debit card to Samsung Pay?
   
   Add an eligible participating financial institution’s Interac debit card to
   Samsung Pay by opening the Samsung Pay app on your eligible device and
   signing into your Samsung Account. Enter a pin, so you can authenticate
   future purchases.
   
   Next, use your device camera to recognize your Interac debit card or enter
   the card details manually. Then, enter any additional information as
   required. For security reasons, a verification step may be needed to enable
   your virtual card.
   
   If you have a co-badged card (Interac logo and another payment brand’s debit
   logo on front of bank card), you will need to enter your Security Code (CVV)
   and accept your financial institution’s Terms of Use for Samsung Pay when you
   add the card to Samsung Pay.
   
   You may also be subject to your financial institution’s or Samsung’s own
   terms & conditions.
   
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 * I was prompted to receive a one-time Verification Code or to call my bank.
   What is this and why is it required?
   
   For security purposes, your financial institution may ask you to enter a
   one-time Verification Code to confirm your identity. This code is a unique
   series of numbers and/or letters that you can choose to receive via email or
   SMS if available.
   
   You may also confirm your identity by logging into your financial
   institution’s mobile banking app, if that functionality is available.
   
   Your one-time Verification Code may expire if you aren’t able to enter it in
   a designated time frame set by your financial institution.
   
   You can request another code by selecting your preferred verification option
   again, contacting your financial institution by calling the number of the
   back of your Interac debit card or using your financial institutions mobile
   banking app. If you are unable to get a one-time Verification Code, please
   contact your financial institution by calling the number on the back of
   your Interac debit card.
   
   You may also be asked to call your bank who will activate your Interac debit
   card on Samsung Pay.
   
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 * Does my Interac debit card need to be contactless enabled to use it on
   Samsung Pay?
   
   No, you do not need an Interac debit card with contactless payments to use
   Samsung Pay. However, your financial institution determines if
   your Interac debit card is eligible to be added.
   
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 * Can I add multiple cards on my device?
   
   Yes
   
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 * Can I add my card on multiple devices?
   
   Your financial institution determines how many devices you can add
   your Interac debit card to. Please note that your card must be added to each
   device separately.
   
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 * Once I add my card, how can I remove cards from my device?
   
   There are three options to remove your card from your device:.
   
    1. From within Samsung Pay, select the card you want removed and select
       “delete card”.
    2. Using Samsung’s “Find My Mobile“, you can remotely lock or erase Samsung
       Pay (removing all the payment cards registered on your device).
    3. You can also contact your Issuer directly to remove or suspend your card.
   
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 * What is a Virtual Card Number and how is it different from my card account
   number?
   
   For your security, when you add Interac Debit to Samsung Pay, a Virtual
   Account Number is created for that card on that device. It is separate and
   unique to your device and different from your physical card number. Your
   virtual card number is used to make purchases with your card using Samsung
   Pay.
   
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 * How do I make purchases using Interac Debit on Samsung Pay?
   
   At checkout, swipe-up from the home button or open the Samsung Pay app from
   the home screen. Select the card by swiping left or right and then use your
   fingerprint, Iris or 4-digit PIN for authentication. Hold the back of your
   Samsung device near the contactless terminal.
   
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 * How will Samsung Pay transactions appear on my bank statement?
   
   Interac Debit transactions with Samsung Pay will appear the same as
   any contactless payments do today.
   
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 * How do I get a refund for something I purchased with Samsung Pay?
   
   Depending on the store’s policy, you may need to use the contactless reader
   when instructed by the merchant. When using your mobile device, the merchant
   will not recognize your physical card but will access the associated Virtual
   Card Number to credit your return. Returning an item purchased with your
   mobile device is just like any other return; you will need your receipt
   (depending on the merchant’s policy).
   
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 * I’m getting notifications for my card in Samsung Pay on my device. What are
   these notifications and how can I turn them on/off?
   
   You will receive transaction notifications on your device pertaining to
   successful transactions made using Interac Debit on Samsung Pay. You can turn
   your notifications on or off by adjusting the settings within Samsung Pay.
   
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 * I’m having a problem with my device’s software or hardware. What should I do?
   
   If you are having difficulty with your software or hardware, please
   contact Samsung Pay.
   
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 * Is my card account number or other information being shared with Samsung?
   
   To help provide the best Interac Debit on Samsung Pay experience, certain
   account information will be displayed on your device but not your full
   account information. We will never share your card number with Samsung. If
   you have any additional questions about your device’s security features,
   please contact Samsung directly.
   
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 * How secure is a Samsung Pay transaction?
   
   Your Interac debit card in Samsung Pay is protected by Samsung’s device
   unlock – fingerprint, iris or PIN. For your security, all transactions will
   require you to unlock your phone in order to authenticate your purchase. All
   transactions also go through the Interac Token Service Provider (TSP), a
   proprietary token platform to ensure the safety and privacy of your financial
   information.
   
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 * Are the transactions listed anywhere for my card in Samsung Pay?
   
   Interac Debit on Samsung Pay transaction information can be found when you
   select your Interac debit card within Samsung Pay.
   
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 * If I receive a replacement card, do I need to update my card information with
   Samsung Pay?
   
   Yes. Newly issued cards will need to be added to Samsung Pay.
   
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 * My device is lost or was stolen and I want to delete my card. What should I
   do?
   
   If you believe your device or Samsung Pay card information has been lost,
   stolen or compromised in any way, call your financial institution immediately
   at the number on the back of your card.
   
   You can also use Samsung’s “Find My Mobile” to remove or lock
   the Interac debit cards added to Samsung Pay.
   
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 * Can I make a transaction in an area where there is no cellphone reception?
   
   Yes. You are able to make a limited number of transactions if you do not have
   internet connectivity.
   
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 * Is the Interac debit card in Samsung Pay different than Interac Debit for
   online payments?
   
   Yes. The Interac debit card in Samsung Pay enables you to make purchases with
   your device when purchasing in-store with a contactless
   terminal. Interac Debit for online payments is available within select
   merchant’s online checkout page, allowing you to pay by Interac Debit.
   
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 * What is the difference between Interac Debit on Samsung Pay and Interac
   within my financial institution’s mobile wallet using my Samsung device?
   
   Both allow you to make Interac Debit transactions safely and securely however
   and whenever you choose.
   
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 * Is there a fee associated with using Interac Debit on Samsung Pay?
   
   No. Interac Debit on Samsung Pay is the same as a contactless payment
   transaction. Please check with your financial institution.
   
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INTERAC DEBIT FOR ONLINE PAYMENTS

   
 * Help, I’m concerned about my Interac Debit for online transaction.
   
   Please contact your bank or credit union to troubleshoot any transactions.
   The contact information is usually on the back of your Interac debit card.
   
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 * I’m a business and I have inquiries about using Interac Online.
   
   Please visit our business page or FAQ for business for more info.
   
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 * Is there a limit to how much I can spend via Interac Online?
   
   Please contact your participating bank or credit union to inquire about your
   limits.
   
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 * How much does it cost to use Interac online payments?
   
   Your Interac Debit for online payments are handled by your bank or credit
   union, which would be the one to charge fees, if there are any. Contact your
   participating bank or credit union for further information.
   
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 * What if I don’t have online banking?
   
   It’s easy to get access to online banking. Your bank or credit union can help
   you. Visit their website to sign up, or contact them directly for details.
   
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 * Who do I call if something goes wrong when I use Interac online payments?
   
   If you have questions or concerns about your online purchase (e.g., delivery
   time, shipping options, product information, etc.), please contact the
   retailer.
   
   If you have questions or concerns about your Interac Debit for online
   payments (e.g., fees, limits, your account, processing times, etc.) that
   cannot be answered by the merchant, please contact your bank.
   
   In a proven case of online fraud, you are protected by the Interac Zero
   Liability Policy, which ensures that your funds are returned to your bank
   account by your financial institution.
   
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 * I’m not sure if my online payment was completed. How do I know?
   
   If you reach the confirmation screen and receive a confirmation number, your
   payment was completed. If you confirmed your payment in online banking, but
   did not get redirected to a confirmation page on the online retailer’s
   website, one of two things may have happened:
   
    1. The online retailer received your payment, but for some reason you were
       unable to see the confirmation page.
       If you receive a confirmation email or are able to view the transaction
       in your order history on the retailer’s website, this was likely the
       case.
    2. The online retailer was not able to receive your payment.
       If this was the case, your payment will be re-credited to your account
       within minutes.
   
   You can also contact the online retailer to confirm whether your order has
   been processed.
   
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 * How do I get my money back if I need to return my purchase?
   
   This will vary according to the retailer’s policy. Always check the
   return/refund policy prior to making your purchase. Some online retailers
   will process a refund where funds are credited back to your bank account.
   
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 * How can I protect myself against online fraud?
   
   In a proven case of online fraud, you are protected by the Interac Zero
   Liability Policy, which ensures that your bank or credit union returns funds
   to your bank account. We work with all stakeholders and security experts to
   maintain the ongoing security of our services, but there are actions it’s
   important for you to take as well. Regularly check your bank statements to
   verify that all transactions have been properly documented. If entries are
   not accurate – for example, there are missing or additional transactions –
   you should immediately contact your financial institution.
   
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 * Where can I find Interac Online payment service providers?
   
   Interac Online Acquirers
   
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 * Why doesn’t my co-badged card work with Interac online payments?
   
   A co-badged card is easily recognized by the logos on the bottom right
   corner. If you see the Interac logo along with the logo of a competing
   payment brand, you have a co-badged card. While your co-badged debit card
   enables you to use Interac Debit to access funds at ABMs and shop, it uses a
   competing network for online payments instead of Interac Debit for online
   payments. This was a decision made by your financial institution. As such,
   inquiries about the absence of Interac Debit for online payments
   functionality should be directed to your financial institution.
   
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INTERAC DEBIT ABM WITHDRAWALS

   
 * What are ABM withdrawals?
   
   ABM withdrawals are a convenient way to withdraw cash from your account at
   any Automated Banking Machine (ABM) displaying the Interac logo, anywhere in
   Canada.
   
   Interac has made accessing your account for cash withdrawals convenient with
   more than 70,0000 ABMs available across Canada, many of which are available
   24 hours a day.
   
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 * Help, I’m concerned about something that happened at an Automated Bank
   Machine (ABM).
   
   Please contact your bank or credit union to troubleshoot any ABM
   transactions. The contact information is usually on the back of your Interac
   debit card.
   
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 * I’m a business and I have inquiries about using ABM withdrawals.
   
   Please visit our business page or FAQ for business for more info.
   
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 * The Security of ABM withdrawals
   
   ABM withdrawals is safe and secure. This is ensured by your chip-enabled card
   and confidential Personal Identification Number (PIN). Adherence to strict
   Canadian and international security standards are required by all Interac
   Network Participants.
   
   An Interac debit card cannot be used to withdraw cash at an ABM without the
   cardholder’s PIN. This ensures the security of funds when a card is lost,
   stolen, or illegally copied.
   
   It’s important to immediately report lost or stolen cards to your bank or
   credit union to avoid any possible liability.
   
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 * How ABM withdrawals works?
   
   ABM withdrawals allow you to withdraw cash from your account at an ABM. To
   begin a transaction, insert a valid Interac debit card into any ABM that
   displays the Interac logo and follow the prompts on the screen:
   
    * Enter the withdrawal amount
    * Select the account from which you wish to withdraw funds
    * Enter your Personal Identification Number (PIN)
    * Provide a final okay to send the request for the cash withdrawal
   
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