Interac e-Transfer

Overview

Interac e-Transfer is Canada's email-based money transfer network. VoPay supports two Interac payment flows: Money Request (request funds from a customer via email) and Bulk Payout (send funds to a recipient via email or phone). Both flows are denominated in CAD and are available to 250+ Canadian financial institutions. Inbound e-Transfers sent to your VoPay account are also captured and visible via the inbound transaction endpoint.

Interac e-Transfer is a Canada-only payment rail. The network limit is $25,000 per transaction.

Use Cases

• Marketplace Payouts — Send earnings to sellers, gig workers, or contractors via email without requiring their bank account details.
• Insurance Claim Payments — Deliver approved claim funds to Canadian policyholders using just their email address.
• Refunds — Return funds to customers quickly and conveniently through a channel they already use.
• Customer Collections — Request payment from customers for invoices or outstanding balances via email.
• Peer-to-Peer Disbursements — Send funds to individuals who may not have an account on your platform.
• Incentive and Reward Payouts — Distribute cashback, referral bonuses, or promotional rebates to customers.