Interac Online

Interac® Online is a secure and easy way to use your debit accounts with us to pay for your purchases when you shop online. It’s the ideal option if you:

  • don’t have a credit card
  • don’t want to use a credit card
  • are concerned about online security and fraud
  • want more control over your credit

Benefits of Interac® Online

It's secure. With Interac® Online, your payments are processed using our secure online banking, which you already use and trust.

It's easy. There are no new accounts to set up and no passwords to remember. You use the same login information as your online banking. See the “How Interac® Online Works” section below for more information.

It's private. Concerned about your privacy? With Interac® Online, your financial data, card numbers and login information are never shared with merchants or any other third party.

It's fast. Shopping online is convenient and with Interac®Online, you can complete your purchase in just a few clicks.

How Interac® Online works

When shopping online at any participating merchant, follow these five steps to complete your purchase with Interac® Online:

  1. At the merchant’s checkout screen, select Interac® Online as your payment method.
  2. Choose Acadian Credit Union from the list of financial institutions.
  3. Log into our secure online banking.
  4. Select the debit account you wish to use and confirm the transaction.
  5. Once the transaction is approved you’ll automatically be logged out and re-directed to the merchant’s confirmation page.

Find a merchant

Interac® Online is available at hundreds of merchants and more are being added all the time. Click here to find a participating merchant.

Frequently asked questions

What is Interac® Online? It’s a service that allows you to pay for online purchases from your credit union account. You can even pay your taxes with it.

Are there any fees to use it? There are no additional fees. The cost is the same as your other debit card transactions.  

How do I use it? When making a purchase online, the online checkout shows various options for payment. If Interac® Online is available it will be shown as a payment option. When you select Interac® Online, you will be directed to the Interac® Gateway page where you will select your “Credit Union” from the financial institution options. (Tip: this is the same process as accepting an e-transfer). After selecting your credit union, you will be directed to your online banking page to sign in. Once you’ve logged in, you may choose the account from which you wish to make the payment.

Who accepts Interac® Online? Any participating online retail merchant. The Canada Revenue Agency (CRA) also accepts payments for taxes via Interac® Online. As well, some educational institutions accept Interac® Online for tuition payments. For a list of participating online merchants, click here: www.interac.ca/index.php/en/store-locator.

Is my account debited immediately? Yes. Interac® Online is just like using your debit card at the store; your account is debited as soon as the purchase is made.

Can my payment be stopped? No, the payment cannot be stopped. If you find you have made a payment in error you will need to contact the online merchant and ask for a refund.

Can I make payments in any currency? Payments can only be made in Canadian dollars.

Is there a payment limit? The payment limit on your account applies. Most accounts allow a maximum $1,000 per transaction and a maximum of $2,500 in transactions per day.

How do I know whether my payment was completed successfully? You will receive a confirmation screen when the payment is authorized. You will also see your transaction confirmed when you return to the online retailer’s website
 

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