Interac Flash®

Introducing Interac Flash® - a contactless payment feature of your Alterna Debit Card. Pay for smaller purchases faster and easier.


Look for the Interac Flash® logo on payment terminals at the checkout when you make your purchases and follow these simple steps:

1.  Look for the Interac Flash® logo and contactless wave symbol on POS terminals at thousands of your favourite Canadian retailers, fast food outlets, gas stations, and movie theatres

2. Simply hold your Alterna Debit Card up to the payment terminal

3. You’ll know your transaction has been completed when you see the “Approved” message or hear the beep.

FAQ

Which account is debited when I use Interac Flash®? Expand/Collapse

You should choose to designate a specific chequing sub account to be their default account for completing Interac Flash ® transactions. This is especially recommended for transactions posted outside of Canada.

If no default account is selected for Interac Flash® the account that is debited for Interac Flash® transactions will be your first available chequing account. If you do not have a chequing account then the next available savings account will be debited.

If you wish to change your default account you can call the Contact Centre or visit your branch.

How do I get an Interac Flash® Debit Card? Expand/Collapse

Interac Flash® enabled Alterna Debit Cards are available at any of our branch locations. You’ll need to exchange your current Alterna Debit Card for a new Interac Flash® enabled Alterna Debit Card if you’d like to use this service.

Are there spending limits for this feature? Expand/Collapse

Yes. For your protection there is a transaction limit of up to $100 per purchase made using Interac Flash®. If your purchase is above this limit, you will be prompted to insert your Alterna Debit Card and enter your PIN.

As an added layer of protection, there is also a cumulative spend limit of $200 for Interac Flash® transactions. This is the sum of all contactless transactions made with your card since the last time you entered your PIN. When this limit is reached, you will be asked to insert your Alterna Debit Card and enter your PIN. This will reset your limit so you can continue to use Interac Flash®.

Are there any additional account fees for using Interac Flash®? Expand/Collapse

Good news! There are no additional fees for using this convenient service.

Will I need to use a PIN? Expand/Collapse

The first time that you pay for a purchase with your Alterna Debit card using Interac Flash® you will be prompted to enter your PIN. This will start the start the counter at $0 for the $200 limit.

If the amount of your purchase exceeds the Interac Flash® transaction limit for that particular merchant, then you’ll be prompted by the payment terminal to insert your card and enter your PIN. You’ll also be asked to insert your card and enter your PIN once your cumulative spend limit of $200 is reached.

Will I get a receipt for Interac Flash® transactions? Expand/Collapse

Yes, merchants will provide receipts for Interac Flash® transactions like they do for regular Interac Debit transactions.

Is it secure? Expand/Collapse

Yes! Interac Flash® uses secure chip processing to protect against skimming, counterfeiting and electronic pick-pocketing. Interac Flash® also uses RF (Radio Frequency) enabled smartcard technology, which is more secure than RFID (typically used for inventory management). 

These features, along with the Flash® limits and the need to enter your PIN when the limits are reached make this a very secure solution. Additionally transactions are covered by Interac Zero Liability, which protects you against unauthorized activity on your accounts.

Do I have to use the Interac Flash® feature on my Debit Card? Expand/Collapse

The great thing is you’ll have your choice! Interac Flash® is a safe and convenient optional feature that can be enabled or disabled any time. You can choose to use this feature, or you can insert/swipe your card, and enter your PIN as you did before.

Find an ATM

Use our ATM locator to see where you can use your Alterna Debit Card.

Lost or stolen card? 

No worries - call us right away at 1.888.807.4101.

*Always be vigilant about protecting your PIN to prevent unauthorized activity 

**Available to personal and individual business members (sole proprietors) only

Interac Flash® is a registered trademark of Interac Inc. used under license. To learn more, visit interac.ca.