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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.

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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:
  1. Receive a transfer notification
  2. Answer a security question
  3. Manually accept the funds
While effective, this process introduces friction, especially for businesses handling high volumes of payments.

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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

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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.

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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

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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: [email protected] 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

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Setting Up Interac Auto Deposit

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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
Interac Auto Deposit

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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 [email protected]

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Step 3: Configuration Statuses

Auto Deposit setup is not instant. The status will move through the following states:
StatusMeaning
PENDINGRequest submitted and awaiting review
PROCESSINGBlaaiz is configuring the Auto Deposit
ACTIVESetup complete and ready to receive funds
Once the status becomes ACTIVE, Blaaiz will send an email notification to your business email address confirming completion.

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Receiving Funds from Customers

Once active, all you need to do is:
  1. Display the configured Interac email address in your product
  2. Ask customers to send payments to that email
  3. 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

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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.

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

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User → Interac Email Mapping

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

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Suggested Structure

users
└── id

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

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Flowchart

Here is a high-level overview of the process: