# BMO Instant Payments (Interac) API

**Canonical:** https://apis.io/apis/bmo/bmo-interac-instant-payments-api/  
**Provider:** BMO — https://apis.io/providers/bmo/  
**Base URL:** https://open-api-sit.bmogc.net/open-banking2/commercial-sb  
**Documentation:** https://www21.bmo.com/uiv2/openapi/dev-portal/dev-portal/#/documentation/interacpaymentapi

BMO Instant Payments (Interac) API is one of 11 APIs that [BMO](https://apis.io/providers/bmo/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Payments, Instant Payments, Interac, and Canada. The published artifact set on APIs.io includes an OpenAPI specification and API documentation.

Sends and receives real-time Interac e-Transfer instant payments in Canada with live status, request-for-money, and autodeposit flows. OAuth 2.0 plus client API key.

## Machine-readable artifacts (3)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/bmo/refs/heads/main/openapi/bmo-interac-instant-payments-openapi.json
- **Documentation** — https://www21.bmo.com/uiv2/openapi/dev-portal/dev-portal/#/documentation/interacpaymentapi
- **DeveloperPortal** — https://developer.bmo.com/api/commercial/

## Other BMO APIs (10)

- [BMO Account Validation API](https://apis.io/apis/bmo/bmo-account-validation-api/)
- [BMO Account Information API](https://apis.io/apis/bmo/bmo-account-information-api/)
- [BMO ACH Payments API](https://apis.io/apis/bmo/bmo-ach-payments-api/)
- [BMO Wire Payments (U.S.) API](https://apis.io/apis/bmo/bmo-wire-payments-us-api/)
- [BMO Wire Payments (Canada) API](https://apis.io/apis/bmo/bmo-wire-payments-ca-api/)
- [BMO EFT Payments API](https://apis.io/apis/bmo/bmo-eft-payments-api/)
- [BMO Image Retrieval API](https://apis.io/apis/bmo/bmo-image-retrieval-api/)
- [BMO Authorize & Token API](https://apis.io/apis/bmo/bmo-authorize-token-api/)
- [BMO Client Data Encryption Key API](https://apis.io/apis/bmo/bmo-client-data-encryption-key-api/)
- [BMO Push Notification API](https://apis.io/apis/bmo/bmo-push-notification-api/)

## Tags

Payments, Instant Payments, Interac, Canada

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/bmo/bmo-interac-instant-payments-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/bmo/.