> ## 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.

# Collection methods by currency

> Learn how to collect payments in different currencies

## How do we collect CAD (Canadian Dollars)?

For CAD, we use **Interac**, with two options:

**1. Auto Deposit (push)** — no collection API integration is needed:

* We provide you with an Interac email address
* You share this email with your customers
* When they send money via Interac to this email, we'll notify you via webhook
* The webhook contains the sender's email and name for your reference

**2. Money request (pull)** — initiate the collection via the API:

* You call [Initiate Interac money request](/api-reference/collection/initiate-interac) with the amount and the payer's email
* Blaaiz sends an Interac money request to that email; the payer approves it from their bank app
* The funds settle into your CAD wallet and we notify you via the same collection webhook

See [Interac money requests](/guides/use-cases/interac-money-requests) and [Interac CAD collections](/guides/use-cases/interac-collections) for the full flows.

## How do we collect NGN (Nigerian Naira)?

For NGN, you have two options:

### Bank transfer (push mechanism)

* Create virtual bank accounts for your customers via our API
* Share the virtual account details with your customers
* When money is sent to those accounts, we notify you via webhook
* The funds automatically update your NGN wallet balance

### Card payment (pull mechanism)

* Call our collection API to initiate the transaction
* We'll provide a payment link for your customer
* Customer completes the card payment via the link
* We'll notify you when the payment is complete

## How do we collect USD?

For USD, here's how it works:

**Virtual account creation:**

* Generate a USD virtual account for your customer via our API. The customer must be a verified **`type=individual`**, or a verified **`type=business`** on `kyb_scope=FULL`. Business customers on `kyb_scope=MINIMAL` are NGN-only.
* We'll verify the customer's KYC details first.
* We'll notify you via webhook once the account details are ready.

**Receiving payments:**

* Share the virtual account details with your customer.
* They can send USD from any bank that supports international transfers.
* We'll notify you via webhook when funds arrive.

## How do you identify users when collecting CAD via Interac?

Interac funding works via a **push mechanism**, meaning transactions are initiated from the sender's bank. We do not control or initiate the transaction from our end, so there's no pre-creation of transactions or reference passing on Interac itself.

That said, there are two effective ways to identify which incoming Interac payment belongs to which user or transaction:

### 1. Interac email mapping (recommended)

Introduce a feature that lets users register Interac email addresses within your platform (either one or multiple). When a webhook is sent for an incoming Interac payment, it includes a `collection_email`. You can then match this email against your internal records (e.g. a `user_interac_emails` table) to determine the rightful owner of the funds.

### 2. Enforce email matching

Require your users to sign up using the same email address they use to send funds via Interac. When we send you a webhook, you'll receive a `collection_email`, and you can match it directly to the user account in your system.

<Note>
  The `collection_email` is the email address of the sender.
</Note>