# Interac

**Canonical:** https://apis.io/providers/interac/  
**Website:** https://www.interac.ca/  
**APIs profiled:** 1

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.

## Kin Score — 29.5 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 28.4).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 48.2 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 60.8 (matched via tags).

## Agent readiness — 13.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (1)

- **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 (2)

- **Interac Authentication** — oauth2/openIdConnect · 2 schemes
- **Interac Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Financial-Services, Payments, Canada, Interac, Digital Identity, Verification, Open Banking, Consumer-Driven Banking, Infrastructure

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/interac/). Scores are computed from the provider's own public artifacts under a published rubric.