> ## Documentation Index
> Fetch the complete documentation index at: https://docs.business.blaaiz.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Initiate Interac money request

> Send an Interac money request to a payer's email to collect CAD into your business wallet. Blaaiz creates a pending collection and sends the request to the payer; when they approve it from their bank app, the funds settle into your CAD wallet and a collection webhook is emitted. Required scope: `collection:interac:create`.

Your business must have an active CAD wallet and Interac enabled for CAD.



## OpenAPI

````yaml /api-reference/collection/initiate-interac-openapi.json post /api/external/collection/interac-money-request
openapi: 3.1.0
info:
  title: Blaaiz Platform API - Initiate Interac Money Request
  version: 1.0.0
  description: >-
    Send an Interac money request to a payer's email to collect CAD into your
    business wallet.
servers:
  - url: https://api-prod.blaaiz.com
  - url: https://api-dev.blaaiz.com
security: []
tags:
  - name: Collection
paths:
  /api/external/collection/interac-money-request:
    post:
      tags:
        - Collection
      summary: Initiate Interac money request
      description: >-
        Send an Interac money request to a payer's email to collect CAD into
        your business wallet. Blaaiz creates a pending collection and sends the
        request to the payer; when they approve it from their bank app, the
        funds settle into your CAD wallet and a collection webhook is emitted.
        Required scope: `collection:interac:create`.


        Your business must have an active CAD wallet and Interac enabled for
        CAD.
      parameters:
        - name: Accept
          in: header
          schema:
            type: string
            default: application/json
          required: false
          description: Content type header.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/InitiateInteracMoneyRequest'
            examples:
              basic:
                summary: Request CAD from a payer
                value:
                  amount: 100
                  email: payer@example.com
              with_customer:
                summary: Attribute the collection to a verified customer
                value:
                  amount: 100
                  email: payer@example.com
                  customer_name: Jane Payer
                  customer_id: a1b2c3d4-0000-0000-0000-000000000000
      responses:
        '200':
          description: >-
            Interac money request sent. The collection is pending until the
            payer approves it.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InitiateInteracResponse'
              example:
                message: Interac money request sent successfully.
                transaction_id: 20580e50-1b32-40a6-aa46-ac8e795b3zas
                reference: CA1MR6ahQBCJ
                expires_at: '2026-06-14T10:00:00+00:00'
        '400':
          description: >-
            Request could not be processed (e.g. no active CAD wallet, Interac
            not enabled for CAD, unverified customer, or a provider error).
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              examples:
                no_cad_wallet:
                  summary: No active CAD wallet
                  value:
                    message: >-
                      No active CAD wallet found. Please create a CAD wallet to
                      receive Interac transfers.
                provider_error:
                  summary: Provider could not process the request
                  value:
                    message: Sorry! cant perform that action right now.
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              example:
                message: Invalid or missing access token
        '422':
          description: Validation error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
              example:
                message: The amount field is required.
      security:
        - oauth2ClientCredentials:
            - collection:interac:create
components:
  schemas:
    InitiateInteracMoneyRequest:
      type: object
      properties:
        amount:
          type: number
          minimum: 0.1
          description: Amount of CAD to request, in major units (e.g. 100.00).
        email:
          type: string
          format: email
          description: >-
            The payer's email address. Blaaiz sends the Interac money request to
            this address; the payer approves it from their bank app.
        customer_name:
          type: string
          maxLength: 255
          description: >-
            Optional display name for the payer shown on the Interac request.
            Defaults to your business name when omitted.
        customer_id:
          type: string
          description: >-
            Optional ID of a VERIFIED customer belonging to your business, to
            attribute the collection to.
        expiry_hours:
          type: integer
          minimum: 1
          maximum: 120
          description: >-
            Optional. Hours until the money request expires if the payer doesn't
            approve it. Defaults to 48; capped at 120.
      required:
        - amount
        - email
    InitiateInteracResponse:
      type: object
      properties:
        message:
          type: string
        transaction_id:
          type: string
          description: Blaaiz transaction ID for the pending collection.
        reference:
          type: string
          description: >-
            Interac reference number returned by the provider for this money
            request.
        expires_at:
          type: string
          format: date-time
          description: >-
            When the money request expires if the payer does not approve it (48
            hours from creation).
      required:
        - message
        - transaction_id
        - reference
        - expires_at
    Error:
      type: object
      properties:
        message:
          type: string
      required:
        - message
  securitySchemes:
    oauth2ClientCredentials:
      type: oauth2
      description: >-
        Use your OAuth client credentials to obtain a short-lived Bearer token
        from POST /oauth/token.
      flows:
        clientCredentials:
          tokenUrl: /oauth/token
          scopes:
            collection:interac:create: Initiate Interac money requests.

````