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How Mobile Pay Works

Mobile Pay is based on NFC technology - the same technology that powers Interac Flash Cards. NFC is built right into your Android Phone - OS Version 4.4 and above.

Interac Flash uses chip technology, with functionality and state-of-the-art security unique to Interac Flash. And your card information is not stored on the mobile device.

Using Mobile Pay

Simply download the latest version of your mobile banking app to your mobile phone from the Google Play store. Open it and select Mobile Pay. Select which Member Card or Debit Card you would like loaded to your phone, choose a passcode and that’s it! You can start making payments immediately..

You can use Mobile Pay at any retailer where you can use Interac Flash. Simply hold your unlocked Mobile Phone near the reader, follow the instructions on the screen and wait for the purchase to be approved. Your banking account is updated immediately.

For purchases over $100, you will be prompted to enter the Passcode that you selected when you set up Mobile Pay. From time to time, you may also be asked for the Passcode for additional security.

To read Mobile Pay FAQ, click here

Participating Credit Unions

Canada’s credit unions are now offering Mobile Pay – a fast, easy, secure way to pay using Interac® Flash!

The first four credit unions to launch Mobile Pay are: Affinity Credit Union and Conexus Credit Union in Saskatchewan, First West Credit Union in British Columbia and Meridian in Ontario. More credit unions will introduce Mobile Pay later in the year.

To learn more about participating credit unions, click here

Supported Devices


Android phones 4.4 and above come equipped with NFC technology, making them eligible for Mobile Pay. You will need to have the latest version of your mobile banking app active on your phone.

Major Android handsets including Samsung Galaxy S4 / S5 / S6 / Edge, Google Nexus 5 / 6 and HTC One are just a few of the phones that are eligible for Mobile Pay.

Phones that do not support Android - including iPhone, Blackberry and Windows Phones - are not eligible for Mobile Pay.

Frequently Asked Questions

No. Mobile Pay is included with your mobile banking app as part of your credit union account. Each Mobile Pay payment will count as an additional transaction, if you pay transaction fees for your account. Please contact your credit union any time to discuss the right account package for you.
Mobile Pay builds on the security of Interac Flash contactless chip debit technology, using state-of-the-art encryption and tokenization. It offers strong consumer protections such as transaction limits and passcode verification, and is backed by the Interac Zero Liability Policy. For even more security, you may choose to require a Passcode for all purchases – this option is available in your mobile banking app Settings.
You can change your Passcode from the Settings within your mobile banking app by entering your old Passcode. If you have forgotten your old Passcode you will be asked a security question. You should choose a numeric Passcode that is easy to remember, but avoid numbers that are easy to guess such as 1234 or birthdays.
Refunds are initiated by the Merchant at his/her POS terminal, following the same rules as refunds do today. Refunds follow the same process within your mobile banking app as purchases do. You will be informed at the end of your purchase within the app whether your Refund was successfully completed. Refunds will be processed immediately to your account.
Mobile Pay is being launched first with Member Card or Debit Card, allowing you to make everyday purchases directly from your credit union account. We know that some credit union Members prefer to pay with credit union’s credit card, and are working towards supporting this option soon!
Android phones 4.4 and above come equipped with NFC technology, making them eligible for Mobile Pay. You will need to have the latest version of mobile banking app active on your phone. Major Android handsets including Samsung Galaxy S4 / S5 / S6 / Edge, Google Nexus 5 / 6 and HTC One are just a few of the phones that are eligible for Mobile Pay. Phones that do not support Android - including iPhone, Blackberry and Windows Phones - are not eligible for Mobile Pay.
As of today, Apple iPhone does not support Mobile Pay and we are not yet enabled for Apple Pay – Apple’s own payments and digital wallet App. We intend to support you and other credit union members with a wide range of payment options to suit your needs, and we are actively pursuing a payment solution that works with iPhone. Members should stay tuned for more interesting developments from credit unions!
For purchases over $100, you will be prompted to enter the Passcode that you selected when you set up your app. From time to time, you may also be prompted for a Passcode for additional security. For even more security, you may choose to require a Passcode for all purchases – this option is available in your Settings.
There is no maximum dollar amount for Mobile Pay purchases. For purchases over $100, you will be required to enter a Passcode. Mobile Pay purchases are subject to the same spending limits that apply to your credit union account.
No. Your mobile banking app has everything you need to complete a purchase at a participating retailer, whether or not you have network access at that time. Your mobile banking app will occasionally require connection to the network to stay current.