Pay by Interac (CAD)

Interac e-Transfer is the gold standard for fast and secure funds movement within Canada. By integrating Interac into your checkout, you offer Canadian customers a familiar way to pay using only their email address or mobile phone number, eliminating the friction of collecting institution or transit numbers.

How the Interac Workflow Works

The lifecycle of an Interac payout follows a distinct four-step journey from your wallet to the recipient's bank account:

Initiation

To start the transaction, make a POST request to the Initiate Payment API.

curl --request POST \
     --url https://laas.leatherback.co/api/payment/pay/initiate \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '{
    "channel": "Interac",
    "amount": 12,
    "currency": "CAD",
    "narration": "Just give me my money",
    "reference": {{$randomUUID}},
    // "link": {
    //     "alias": "string"
    // },
    "userInformation": {
        "firstName": "Vee",
        "lastName": "Tester",
        "phone": "50608783434",
        "emailAddress": "[email protected]"
    },
    "paymentRequestProps": {
        "email": "[email protected]"
    },
    "metaData": {
        "return-url": "https://access.leatherback.co"
    }
}'

{
    "value": {
        "paymentStatus": "INITIATED",
        "requiresAction": false,
        "message": "Payment Initiated Successfully",
        "bankAuthURL": null,
        "paymentItem": {
            "channel": "Interac",
            "message": "Payment Initiated Successfully",
            "totalAmount": 45,
            "amount": 45,
            "fees": 0,
            "reference": "cbe81f2b-f412-418e-93db-495652a1d6e5",
            "paymentReference": "TDUJ1NKOQSDP2NOPPG",
            "metaData": {}
        }
    },
    "isSuccess": true,
    "error": "",
    "message": "",
    "type": null,
    "title": null,
    "status": null,
    "detail": null,
    "instance": null
}

Operational Requirements

To ensure a high success rate for Canadian disbursements, adhere to the following requirements:

Requirement	Details
Currency	All Interac e-Transfers must be denominated in CAD (Canadian Dollars).
Transaction Limits	Interac has network-level limits (typically up to $10,000 CAD per transaction).