Interac e-Transfer

CAD collections on the interac rail are paid by Interac e-Transfer to one mailbox, [email protected]. Every e-Transfer arrives at the same address, so the code in the e-Transfer message is what tells us whose money it is.

Payers must send to [email protected] exactly. An e-Transfer sent to any other MigraPay address is not credited to your business.

Request an Interac payment

Create a collection with rail: "interac" and currency: "CAD" (POST /collections), or a checkout, which offers Interac to Canadian payers. Show the payer the address and the payment code from the response, and set payerEmail if you know which email they will send from.

How a payment is matched

• Payment code. Each Interac collection gets its own code, your business code followed by a number (ACME7K-1001, ACME7K-1002, …). It is instruction.reference on the create response and paymentCode on the collection. Ask the payer to put it in the e-Transfer message.
• Business code. Your business also has a standing code (ACME7K), shown in the dashboard under Accept Payments → Direct Interac and in the Overview Deposit drawer. Use it to top up your own CAD wallet, or give it to customers who pay you without a payment request.

When an e-Transfer arrives we match it like this:

1. A payment code in the message settles that collection. Codes are read case-insensitively and spaces or dashes are ignored, so acme7k 1001 works.
2. Your business code in the message settles your oldest open Interac collection for exactly that amount. If none matches, the money is credited to your CAD wallet as a deposit, and a new collection with description Interac deposit is created and settled for it.
3. No code. If the sender's email and the exact amount match an open Interac collection created with that payerEmail, it settles. Turn on Require a payment reference for Direct Interac under Settings → Payments to switch this off and accept coded payments only.
4. Nothing matches. The payment is held for review and does not reach a wallet until our team attributes it. Contact support with the sender's name, amount and date.

Amount mismatch. If the payer sends a different amount than the collection asked for, the collection still settles, for the amount actually received: your wallet is credited that amount less fees, the collection.settled webhook carries amountReceived and mismatch: true, and the payment is flagged for review so you can follow up with the payer. A payment code for a collection that is already paid never credits twice; the second payment is held for review.

Test it

In Sandbox, settle an Interac collection with POST /collections/{id}/mock-settle, or press Simulate payment on a test checkout.