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Interac FAQs

Find out the answers to our most commonly asked questions when accepting Interac Debit payments.

Can I insert an Interac Debit Card?

Using the Square Terminal, you can accept tap, inserted, magstripe and manually entered debit transactions. At this time, only tap debit transactions are using the Square Reader for Contactless and Chip.

Keep in mind, if you’re using Square Invoices or Virtual Terminal, your customers can also pay with Visa co-branded debit cards and credit cards.

How do I accept Interac payments?

To accept Interac Debit tap cards on Point of Sale:

  1. Add item(s) to the sale from the Point of Sale app, tap Charge.
  2. Ask your customer to tap their Interac Debit card.
  3. Wait for card to authorize and payment to complete.

If you have tipping enabled, please note the payment flow is a little different:

  1. Add item(s) to the sale from the Point of Sale app, tap Charge, then tap Contactless.
  2. Ask your customer to tap their Interac Debit card.
  3. Show the tip screen to your customer, allowing them to select a tip.
  4. Wait for card to authorize and payment to complete.

Note: Some sellers use a third party debit processor and are able to record these transactions in the Point of Sale app using the “Other tender” option. Tapping “Other tender” will not enable you to process Interac Debit cards with Square).

What is the difference between the Credit/Debit option in Other Tender and processing as Card in-app?

Selecting Debit/Credit > Record Card Payment, along with all Other Tender options, is for your records only – no funds are processed with this payment type. For Square to process funds, tap Card on the payment options page and proceed through the payment flow.

Is there a transaction limit for Interac payments?

There is no transaction limit if you are processing Interac payments on Square Terminal. Interac Debit payments processed through the Square Reader for Contactless and Chip have a transaction limit of $100.

Do Interac Debit payments have the same fees?

No. Interac Debit payments are a flat fee of $0.10 per transaction.

Why can’t I process a refund on my Dashboard?

Any transactions processed using Interac Debit has to be refunded in person on your Square Point of Sale app. In order to process a refund through Square, for a payment that was processed using Interac Debit, your customer will need to bring in the original payments card.

Why did my refund fail?

To refund an Interac payment successfully, you’ll need both the original purchase card to be present and have the full refund amount available in your Square balance. If you do not have sufficient funds in your balance to cover the refund, you’ll need to refund your customer outside of Square.

Can I accept tips if my customers are paying using Tap payments?

Yep! You’ll just need to click Contactless in your payment options before your customer can tap. This will prompt them to enter in their tip amount before finishing the payment.

Where do I get stickers to show I accept Interac?

You can order a new marketing kit directly from your Square Dashboard.

Can I swipe an Interac card?

No. As of 31st December, 2015, magstripe (swiped) transactions using Canadian issued Interac cards are banned. You will need to tap or dip any Interac payments processed through Square.

Can I split Interac payments on the Square Reader for Contactless and Chip?

When using Split Tender on your Square Point of Sale app, the $100 payment limit for Interac cards applies to each payment taken in the transaction.

This means that if the total transaction is over $100, and your customer asks to split the transaction over multiple payment methods (e.g. multiple cards, cash), as long as the post-split payment is under $100, you can accept your customer’s Interac payment.

However, the $100 payment limit for Interac cards is a security measure designed to protect your customers in case their cards are lost or stolen, please don’t use Split Tender to break up a transaction over a single card to avoid the $100 limit.

Keep in mind, there is no limit for Interac transactions processed through the Square Terminal.

Why can’t I accept Interac payments in offline mode?

Chip card transactions and contactless (NFC) payments can’t be processed in Offline Mode at the moment. You’ll need an Internet connection to process these types of payments through Square.