Interac Auto Deposits

Overview

Blaaiz supports Interac as a payment rail for collecting Canadian Dollars (CAD) from your customers. Interac is one of the most widely used bank transfer systems in Canada, enabling fast and secure peer-to-peer and business payments directly between bank accounts. On Blaaiz, Interac is available exclusively for CAD transactions (collections and payouts) and can be enhanced using Interac Auto Deposits (collections) to provide a seamless, no-friction payment experience for your customers.

What is Interac?

Interac e-Transfer allows individuals and businesses in Canada to send money directly from their bank accounts using an email address. Traditionally, recipients must:

Receive a transfer notification
Answer a security question
Manually accept the funds

While effective, this process introduces friction, especially for businesses handling high volumes of payments.

What is Interac Auto Deposit?

Interac Auto Deposit eliminates manual acceptance. When Auto Deposit is enabled:

Funds are deposited automatically
No security questions are required
Transfers are credited instantly to the recipient’s account

Benefits of Auto Deposit

Faster settlements
No failed or missed transfers
Better customer experience
Reduced operational overhead

Blaaiz allows businesses to configure custom, branded Auto Deposit email addresses that their customers can send funds to.

How Blaaiz Supports Interac Auto Deposits

Blaaiz enables platform and merchant businesses to:

Configure a custom Interac Auto Deposit email
Receive CAD funds directly into their CAD wallet
Track incoming payments via webhooks

Example Scenario

Let’s say:

Company: Envelopy
Domain: envelopy.com
Business Type: Platform business on Blaaiz

Envelopy wants to receive CAD payments from customers using Interac. Blaaiz can configure a branded email such as: payments@envelopy.com This email becomes Envelopy’s Interac Auto Deposit address. Any funds sent to this email will:

Be auto-deposited
Land directly in Envelopy’s CAD wallet on Blaaiz

Set up through the API

Your business must have API services enabled and an existing CAD wallet.

Grant interac-auto-deposit-email:create and interac-auto-deposit-email:read to your OAuth credentials.
Request an access token with those individual scopes.
Configure your webhook URL to receive registration status updates.
Submit the email for registration.

curl --request POST 'https://api-prod.blaaiz.com/api/external/interac-auto-deposit-email' \
  --header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
  --header 'Content-Type: application/json' \
  --header 'Accept: application/json' \
  --data '{"email":"payments@example.com"}'

The API returns HTTP 201:

{
  "data": {
    "id": "01994c21-a4d0-7000-8000-123456789abc",
    "email": "payments@example.com",
    "status": "PENDING",
    "created_at": "2026-09-16T10:00:00.000000Z",
    "updated_at": "2026-09-16T10:00:00.000000Z"
  }
}

The request enters the same review process as a dashboard submission. Blaaiz admins complete the external setup before they change the status.

A 201 response confirms receipt of the registration request. Wait for ACTIVE before you ask customers to send funds.

The email must pass the same uniqueness checks as a dashboard submission. A repeated request for the same live email returns 422. After an uncertain response, list your registrations before you retry the create request.

Action	Endpoint	OAuth scope
Register an email	`POST /api/external/interac-auto-deposit-email`	`interac-auto-deposit-email:create`
List emails	`GET /api/external/interac-auto-deposit-email`	`interac-auto-deposit-email:read`
View one email	`GET /api/external/interac-auto-deposit-email/{id}`	`interac-auto-deposit-email:read`

The list returns 10 records per page. Use status, search_term, and page to filter or navigate the results. The response contains a data array, links, and pagination fields under meta. Both read endpoints include your dashboard and API registrations. They exclude deleted registrations and registrations from other businesses. The single-record endpoint uses the registration ID, not the email address. An unknown, deleted, or other business’s ID returns 404. You cannot change the registration status through these API endpoints. See Authentication for credential setup and scope bundles.

Set up through the dashboard

Step 1: Access the CAD Wallet

A Super Admin logs into the Blaaiz Business Dashboard and navigates to their CAD wallet. On the wallet screen, they will see an option labeled:

Interac Auto Deposit

Step 2: Add an Auto Deposit Email

Click Interac Auto Deposit to open the configuration interface. Here, you can:

Add the email address you want configured for Auto Deposit
Use a branded domain (recommended)
Following our example, Envelopy would add payments@envelopy.com

Step 3: Configuration Statuses

Auto Deposit setup is not instant. Each registration has one of these statuses:

Status	Meaning
`PENDING`	Request submitted and awaiting review
`PROCESSING`	Blaaiz is configuring the Auto Deposit
`ACTIVE`	Setup complete and ready to receive funds
`BLOCKED`	Registration is blocked; contact Blaaiz support

When an admin changes the status to ACTIVE or BLOCKED, Blaaiz sends a registration status webhook. Your business needs API services enabled, a webhook URL, and a webhook signing secret. Use the read endpoints to check the current status if you miss a webhook.

Receiving Funds from Customers

Once active, all you need to do is:

Display the configured Interac email address in your product
Ask customers to send payments to that email
Funds will be auto-deposited into your CAD wallet

When a customer sends money:

Blaaiz receives the funds
Your CAD wallet is credited
A collection webhook is emitted

Identifying Who Sent the Payment

A common question we get is:

“How do I know which customer made the deposit?”

We’ve got you covered.

Webhook Source Information

Every CAD collection webhook includes a source_information object. This object contains:

The sender’s Interac email address

You can use this to identify the customer who initiated the payment. 👉 See the full webhook payload here:
CAD Collection Webhook Sample

Recommended Infrastructure Design

To reliably map incoming Interac payments to your users, we recommend the following setup.

User → Interac Email Mapping

If Envelopy has a users table, we strongly advise adding a related table: user_interac_emails

Suggested Structure

users
└── id

user_interac_emails
├── id
├── user_id (FK → users.id)
├── email (unique)

Flowchart

Here is a high-level overview of the process:

Getting Started

Core Concepts

Guides

Webhooks

Frequently asked questions

Interac Auto Deposits

Overview

What is Interac?

What is Interac Auto Deposit?

Benefits of Auto Deposit

How Blaaiz Supports Interac Auto Deposits

Example Scenario

Set up through the API

Set up through the dashboard

Step 1: Access the CAD Wallet

Step 2: Add an Auto Deposit Email

Step 3: Configuration Statuses

Receiving Funds from Customers

Identifying Who Sent the Payment

Webhook Source Information

Recommended Infrastructure Design

User → Interac Email Mapping

Suggested Structure

Flowchart

​Overview

​What is Interac?

​What is Interac Auto Deposit?

​Benefits of Auto Deposit

​How Blaaiz Supports Interac Auto Deposits

​Example Scenario

​Set up through the API

​Set up through the dashboard

​Step 1: Access the CAD Wallet

​Step 2: Add an Auto Deposit Email

​Step 3: Configuration Statuses

​Receiving Funds from Customers

​Identifying Who Sent the Payment

​Webhook Source Information

​Recommended Infrastructure Design

​User → Interac Email Mapping

​Suggested Structure

​Flowchart

Overview

What is Interac?

What is Interac Auto Deposit?

Benefits of Auto Deposit

How Blaaiz Supports Interac Auto Deposits

Example Scenario

Set up through the API

Set up through the dashboard

Step 1: Access the CAD Wallet

Step 2: Add an Auto Deposit Email

Step 3: Configuration Statuses

Receiving Funds from Customers

Identifying Who Sent the Payment

Webhook Source Information

Recommended Infrastructure Design

User → Interac Email Mapping

Suggested Structure

Flowchart