When it comes to buying stuff, I’m all about convenience. The last thing I want is to go through hoops to get what I need. Here’s the definition of Hassle: Punching in my PIN number and waiting around for authorization, or standing in line for what seems like hours while customers ahead of me take forever to pay. Or having to send a cheque by snail mail when I owe money. Bottom line: I just want to pay. Now. This second.

Purchasing is hard enough on the wallet. At the very least, the payment process should be easy. Which is why these days, Interac is my Everything. In case you haven’t heard (but we’re guessing you have), they have introduced two new easy-pay features you won’t be able to live without. They’re called Interac Flash and Interac e-Transfer and they are revolutionizing the way we pay for products and services.

I’m no financial whiz but with these two payment features, you don’t need to be. Read on for all you need to know.

INTERAC FLASH – Flash to Pay

For smaller purchases (under $100), you can just flash your debit card and kaching! the transaction is done. No inserting the chip, no accepting the amount, no choosing the account, no entering your PIN. No waiting. None. All you do to use Interac Flash – a chip on your Interac Debit card – is hold it at the contactless reader at checkout and payment is instantly deducted from your bank account. It’s that easy. Just flash your card (and your smile) and go.

INTERAC e-Transfer – Click to Pay

Imagine if you could just pay the babysitter or your dog groomer with a few clicks on the computer. Well, now you can. Interac e-Transfer is a simple, convenient and secure way to send money to another person’s bank account using online or mobile banking. All you need to send money by e-Transfer is access to online or mobile banking through a participating financial institution and you can send money to anyone with an email address or mobile phone number and a bank account in Canada. A few clicks and Interac takes care of the rest. What are those few clicks?

  • Go to your online account page
  • Choose Interac e-Transfer
  • Enter the email address or mobile phone number you’re sending to
  • Fill in e-Transfer info, including dollar amount, account to withdraw from, and a security message only the recipient will know the answer to
  • Confirm the information and complete the transfer

Need more info? Here are 10 reasons to use Interac Flash and e-Transfer.


1. With Interac Flash, you’re in and out of stores in a flash – and if they use it too, so are the people ahead of you in line. Say goodbye to scrounging for change. Flashing means having the exact change on hand every time.

2. The Interac Flash transaction is safe. It uses chip processing (no magnetic stripe) and relies on the same secure network as your Interac Debit card. You can track your purchases in your debit account.

3. For extra protection, there are spending limits on your Interac Flash, which, when reached, will occasionally prompt you to insert your PIN to validate you as the card owner.

4. The Interac Zero Liability Policy on your Interac Flash protects you from unauthorized transactions. It includes protection against skimming, counterfeiting, replay fraud, and electronic pickpocketing.

5. Interac Flash will soon be everywhere. Right now, it’s available at a growing list of merchant locations across Canada. Click here to find an Interac Flash Merchant. 

6. With Interac e-Transfer, the money is transferred and can be accessed immediately after it is accepted. No wait. No hassle.

7. You can pay people who aren’t set up for a business. All they need is an existing online banking account.

8. Your e-Transfer payment is safe. When you send money using Interac e-Transfer, email and text messages are only used to notify the recipient and send instructions. Both financial institutions handle the actual transfer of funds over their secure networks. Your personal and financial information are never shared.

9. A security question only you know the answer to is extra insurance against the wrong person receiving the transfer.

10. There’s no need for new accounts, user IDs or passwords. If you’ve already got your account online, you’re all ready, set, go.


Disclosure: This post was sponsored by Interac. Although we were compensated for sharing this information, all opinions are our own. 

About the author

Randi Chapnik Myers

Randi Chapnik Myers is Co-Founder and Content Editor of BrazenWoman.com, the only lifestyle site by women 35+ for women 35+. A journalist, blogger, editor and marketer, she specializes in custom content creation for publications, companies, brands and authors at RCMContent.com. Proud to call herself a social media addict, Randi is never far from a screen—even when she's out hunting for designer bargains.

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