Upcoming Changes: New Interac API Requirement

To enhance transaction security and ensure we all stay ahead of evolving compliance standards, we are introducing some new, required information fields to our Interac Payments (Deposit) and Payouts (Withdrawal) APIs.

These changes are mandatory for all merchants and will go into effect on November 30, 2025. After this date, transactions that do not include the required new fields will fail.

This guide will walk you through exactly what you need to do to update your integration before our rollout date on September 15, 2025.

What Is Changing?

We are adding new fields to the API requests you send us. You will need to include additional information about the sender and/or receiver in your transaction requests.

For a detailed breakdown of every field, you can review the updated Payment and Payouts documentation.

How to Update Your Integration (Step-by-Step)

Updating your integration is straightforward. You simply need to add the new fields to the request body of your API calls.

A. For Interac Payments (Deposits)

When sending a payment request:

1. You must add the following sender (consumer) fields:

{
  "...": "...",
  // -- ADD THESE NEW FIELDS -- //
  "sender_middle_name": "Smith", // optional (if applicbale)
  "sender_dob": "1990-05-15", // required
  "sender_street": "123 Main Street", //required
  "sender_street2": "Suite 500", // optional
  "sender_city": "Toronto", // required
  "sender_province": "ON", // required
  "sender_postal_code": "M5V 2H1", // required
  "sender_country": "CA", // required
  "sender_citizenship ": "CA", // optional
  "account_created_on ": "2025-04-20", // optional
}

2. If enabled on your account (e.g. remittance), you must add all the fields above PLUS the following receiver (beneficiary) details:

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Contact your Customer Onboarding team to confirm if you require this info.

{
  "...": "...",
  // -- ADD ALL FIELDS FROM STEP 1 -- //
  // ... and receiver (beneficiary) fields ...
  "receiver_first_name": "Grace",
  "receiver_middle_name": "Natalie", // optional (if applicbale)    
  "receiver_last_name": "Hamilton",
  "receiver_dob": "1990-05-15",
  "receiver_street": "123 Main Street",
  "sender_street2": "Suite 500", // optional
  "receiver_city": "Toronto", 
  "receiver_province": "ON", 
  "receiver_postal_code": "M5V 2H1",
  "receiver_country": "CA", 
  "receiver_citizenship ": "CA", // optional
  "receiver_reference_number": "ABC123456789" 
}

B. For Interac Payouts (Withdrawals)

When sending a payout request:

1. You must add the following receiver (consumer) fields:

{
  "...": "...",
  // -- ADD THESE NEW FIELDS -- //
  "receiver_middle_name": "Smith", // optional (if applicbale)
  "receiver_dob": "1990-05-15", // required
  "receiver_street": "123 Main Street", //required
  "receiver_street2": "Suite 500", // optional
  "receiver_city": "Toronto", // required
  "receiver_province": "ON", // required
  "receiver_postal_code": "M5V 2H1", // required
  "receiver_country": "CA", // required
  "receiver_citizenship ": "CA", // optional
  "created_on ": "2025-04-20", // optional
}

2. If enabled on your account (e.g. remittance), you must add all the fields above PLUS the following sender details:

{
  // -- ADD ALL FIELDS FROM STEP 1 -- //
  // ... and sender fields ...
  "sender_first_name": "Grace", 
  "sender_middle_name": "Natalie", // optional (if applicbale)    
  "sender_last_name": "Hamilton", 
  "sender_dob": "1990-05-15", 
  "sender_street": "123 Main Street", 
  "sender_street2": "Suite 500", // optional
  "sender_city": "Toronto", 
  "sender_province": "ON", 
  "sender_postal_code": "M5V 2H1", 
  "sender_country": "CA", 
  "sender_citizenship ": "CA", // optional
  "sender_reference_number": "ABC123456789"
}

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If you have any questions, require additional clarification, or need assistance at any stage, please don’t hesitate to reach out to your Customer Onboarding Team at [email protected]. We are here to help!

Prepare Your Historical Data

To comply with the new Interac API requirements, merchants must review and update existing customer records. Transactions that do not include all required fields will fail once these rules take effect.

We recommend:

• Audit existing records to identify missing or invalid customer details (e.g., date of birth, address).
• Update existing customer data by collecting or verifying missing information.
• Implement pre-validation checks to ensure all required fields are populated before submitting API requests.
• Test and monitor transactions to confirm that both new and historical records meet the latest Interac API data requirements.