Interac website screenshot

Interac

Interac Corp. is Canada's domestic payments and digital verification network, founded in 1984 as the Interac Association and reorganized as a for-profit corporation in 2018 (through the merger of Interac Association and Acxsys). Headquartered in Toronto and owned by a consortium of Canadian financial institutions and payment processors, Interac is shared national payment infrastructure rather than a chartered bank — it has no Schedule I / Schedule II banking charter. It operates the Interac Debit domestic debit network, Interac e-Transfer (used by roughly 88% of Canadians), and Interac verification / digital identity services, connecting 300+ financial institutions and processing on the order of 18.6 million transactions a day. As one of the core Canadian rails alongside Payments Canada, Interac runs the Interac Innovation Hub developer program. Its most openly documented public API surface is the Interac Hub Verification Service, an HTTP identity-verification API built on OAuth 2.0 and OpenID Connect (Authorization Code Grant with Pushed Authorization Requests); a self-serve sandbox is available through the Hub Verification developer portal, while full production access and other products (Business Request Money, Interac Direct) are partner-gated behind a commercial relationship with an issuing financial institution.

Interac publishes 1 API on the APIs.io network. Tagged areas include Financial Services, Payments, Canada, Interac, and Digital Identity.

Interac’s developer surface includes documentation, engineering blog, getting-started guide, support, authentication, sandbox, and 15 more developer resources.

33.4/100 thin ▬ flat Agent 26/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5
1 APIs
Financial ServicesPaymentsCanadaInteracDigital IdentityVerificationOpen BankingConsumer-Driven BankingInfrastructure

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 33.4/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 11.7 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 26/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
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APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Interac Hub Verification API

The Interac Hub is an HTTP API that simplifies digital identity verification. Relying parties obtain verified identity data through financial-institution authentication (Interac...

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Interac Authentication

oauth2/openIdConnect · 2 schemes

SECURITY

Interac Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Interac Scopes

3 scopes · authorizationCode

3 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 3

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Source (apis.yml)

apis.yml Raw ↑
aid: interac
url: https://raw.githubusercontent.com/api-evangelist/interac/refs/heads/main/apis.yml
name: Interac
kind: company
description: Interac Corp. is Canada's domestic payments and digital verification network, founded in 1984 as the Interac
  Association and reorganized as a for-profit corporation in 2018 (through the merger of Interac Association and Acxsys).
  Headquartered in Toronto and owned by a consortium of Canadian financial institutions and payment processors, Interac is
  shared national payment infrastructure rather than a chartered bank — it has no Schedule I / Schedule II banking charter.
  It operates the Interac Debit domestic debit network, Interac e-Transfer (used by roughly 88% of Canadians), and Interac
  verification / digital identity services, connecting 300+ financial institutions and processing on the order of 18.6 million
  transactions a day. As one of the core Canadian rails alongside Payments Canada, Interac runs the Interac Innovation Hub
  developer program. Its most openly documented public API surface is the Interac Hub Verification Service, an HTTP identity-verification
  API built on OAuth 2.0 and OpenID Connect (Authorization Code Grant with Pushed Authorization Requests); a self-serve sandbox
  is available through the Hub Verification developer portal, while full production access and other products (Business Request
  Money, Interac Direct) are partner-gated behind a commercial relationship with an issuing financial institution.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial Services
- Payments
- Canada
- Interac
- Digital Identity
- Verification
- Open Banking
- Consumer-Driven Banking
- Infrastructure
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: interac:interac-hub-verification-api
  name: Interac Hub Verification API
  description: The Interac Hub is an HTTP API that simplifies digital identity verification. Relying parties obtain verified
    identity data through financial-institution authentication (Interac Verification Service, IVS) and/or government-ID plus
    biometric selfie checks (Interac Document Verification Service, IDVS). It uses the OAuth 2.0 / OpenID Connect 1.0 Authorization
    Code Grant flow (with Pushed Authorization Requests), and offers a self-serve developer sandbox.
  humanURL: https://documents.hub-verify.innovation.interac.ca/docs/overview
  baseURL: https://gateway-portal.hub-verify.innovation.interac.ca
  tags:
  - Digital Identity
  - Verification
  - OpenID Connect
  - KYC
  properties:
  - type: Documentation
    url: https://documents.hub-verify.innovation.interac.ca/docs/welcome
  - type: Documentation
    url: https://documents.hub-verify.innovation.interac.ca/docs/overview
  - type: APIReference
    url: https://documents.hub-verify.innovation.interac.ca/docs/31-api-endpoints
  - type: Documentation
    url: https://documents.hub-verify.innovation.interac.ca/docs/quick-start-guide
  - type: OpenIDConnectDiscovery
    url: https://gateway-portal.hub-verify.innovation.interac.ca/.well-known/openid-configuration
common:
- type: DomainSecurity
  url: security/interac-domain-security.yml
- type: Website
  url: https://www.interac.ca/
- type: DeveloperPortal
  url: https://innovation.interac.ca/
- type: Documentation
  url: https://documents.hub-verify.innovation.interac.ca/docs/welcome
- type: GitHubOrganization
  url: https://github.com/Interac
- type: LinkedIn
  url: https://www.linkedin.com/company/interac-corp/
- type: Blog
  url: https://www.interac.ca/en/content-category/news/
- type: PrivacyPolicy
  url: https://www.interac.ca/en/privacy/
- type: TermsOfService
  url: https://www.interac.ca/en/legal/
- type: GettingStarted
  url: https://documents.hub-verify.innovation.interac.ca/docs/quick-start-guide
- type: Support
  url: https://innovation.interac.ca/support/
- type: WellKnown
  url: well-known/interac-well-known.yml
- type: Authentication
  url: authentication/interac-authentication.yml
- type: OAuthScopes
  url: scopes/interac-scopes.yml
- type: Conformance
  url: conformance/interac-conformance.yml
- type: ErrorCatalog
  url: errors/interac-problem-types.yml
- type: Lifecycle
  url: lifecycle/interac-lifecycle.yml
- type: Conventions
  url: conventions/interac-conventions.yml
- type: Sandbox
  url: sandbox/interac-sandbox.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/interac-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com