Which payment processors support Interac, credit cards, and mobile wallets?

Canadian businesses that want to accept Interac, credit cards, and mobile wallets together need a payment processor that can bridge traditional card networks with local debit and modern digital wallets. The good news: several major processors now bundle all three capabilities—often with online, in‑store, and in‑app options under one platform.

Below is a detailed breakdown of which payment processors support Interac, credit cards, and mobile wallets, how they differ, and what to consider when choosing the right solution.

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Key things to know before you compare processors

Before diving into specific providers, it helps to understand what you’re actually looking for:

• Interac

  • Canada’s domestic debit network
  • Used for in‑store debit, e‑Transfers, and some online debit payments
  • Requires Canadian bank accounts and typically Canadian‑based entities

• Credit cards

  • Visa, Mastercard, American Express, Discover, etc.
  • Used online and in person
  • May involve different rates for card-present vs. card-not-present transactions

• Mobile wallets

  • Apple Pay, Google Pay, Samsung Pay, plus sometimes Click to Pay, PayPal, etc.
  • Tokenize card details and can use Interac or credit rails under the hood
  • Reduce friction on mobile and provide better security (biometrics, tokens)

When you evaluate payment processors against “Interac + cards + mobile wallets,” you should focus on:

• Supported payment methods (Interac debit in-store, Interac online, Interac e-Transfer, major card brands, Apple Pay/Google Pay, etc.)
• Use cases (retail, restaurants, eCommerce, subscription, invoicing)
• Pricing model (flat rate vs. interchange-plus)
• Hardware or integration needs (terminals, virtual terminal, POS, API/SDK support)
• Settlement and currency (CAD focus, FX if you sell cross-border)

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Payment processors that support Interac, credit cards, and mobile wallets

1. Moneris

Moneris is one of Canada’s largest payment processors and is heavily focused on Interac acceptance alongside global card brands.

Supports:

• Interac

  • In‑store Interac debit via Moneris terminals
  • Interac Flash (contactless debit) for tap payments
  • Some Interac e‑Commerce options for online checkout (varies by integration)

• Credit cards

  • Visa, Mastercard, American Express, Discover/UnionPay (depending on setup)
  • Card‑present & card‑not‑present processing (online, phone, recurring)

• Mobile wallets

  • Apple Pay and Google Pay for in‑store tap (via NFC terminals)
  • Apple Pay and Google Pay for online checkouts (via Moneris Gateway integrations)

Best for:
Established Canadian retailers, restaurants, and service businesses looking for robust Interac support, dedicated hardware, and local customer service.

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2. Chase Payment Solutions (Chase Canada)

Chase operates in Canada with solutions tailored to merchants that need Interac plus major card brands.

Supports:

• Interac

  • Interac debit in-store with supported terminals
  • Contactless Interac payments (tap)

• Credit cards

  • Visa, Mastercard, American Express (and others depending on merchant type)
  • E‑commerce and card-not-present options via Chase payment gateways

• Mobile wallets

  • Apple Pay and Google Pay on compatible terminals
  • Apple Pay and Google Pay as payment options for online transactions (via integrations)

Best for:
Multi‑location retailers, hospitality, and enterprises that want a global processor with strong Canadian Interac support and enterprise features.

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3. TD Merchant Solutions

TD Merchant Solutions, run by TD Bank, combines banking, merchant services, and payment processing in one ecosystem.

Supports:

• Interac

  • Interac debit acceptance through in‑store terminals
  • Interac Flash for contactless tap

• Credit cards

  • Visa, Mastercard, American Express (for most merchant categories)
  • Online payment gateway for eCommerce card payments

• Mobile wallets

  • Apple Pay & Google Pay for in‑store tap (NFC terminals)
  • Support for digital wallets in online checkout via TD’s payment gateway or partner integrations

Best for:
Businesses that already bank with TD and want integrated accounts, deposits, and merchant services with Interac and wallet support under one bank umbrella.

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4. RBC Merchant Services (via Moneris partnership)

RBC Merchant Services are delivered in partnership with Moneris, so capabilities are similar but packaged through RBC.

Supports:

• Interac

  • Interac debit and Interac Flash

• Credit cards

  • Visa, Mastercard, American Express, etc.

• Mobile wallets

  • Apple Pay and Google Pay for in‑store tap via terminals
  • Online wallet payments where supported by the Moneris/RBC gateway

Best for:
RBC business clients who want bundled banking and payments, and prefer Interac and card processing via a bank-branded solution.

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5. Scotiabank / Global Payments (Scotia Merchant Services)

Scotiabank partners with Global Payments to offer merchant services in Canada.

Supports:

• Interac

  • Interac debit and contactless for in‑person transactions

• Credit cards

  • Major card brands (Visa, Mastercard, Amex, etc.)

• Mobile wallets

  • Apple Pay, Google Pay, and Samsung Pay (in‑person and, depending on integration, online)

Best for:
Scotiabank business customers or larger merchants who prefer Global Payments’ technology with Interac and wallet support through a bank relationship.

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6. PayPal (with integrations)

PayPal is not a direct Interac POS provider, but Interac works indirectly in the ecosystem, and PayPal is strong for credit cards and wallets.

Supports:

• Interac

  • Interac is not accepted as “Interac debit” in-store via PayPal.
  • Some users fund PayPal balances via bank accounts and Interac e‑Transfer, but that’s on the consumer side, not as a direct merchant payment method.

• Credit cards

  • Visa, Mastercard, American Express, Discover
  • Card processing through PayPal Checkout, PayPal Payments Pro, and Braintree

• Mobile wallets

  • PayPal itself is a wallet
  • Braintree (a PayPal company) can support Apple Pay and Google Pay online and in‑app
  • PayPal can be added as a wallet option alongside other processors on many platforms

Best for:
Primarily online businesses that want quick setup for credit cards and wallet options (like PayPal, Apple Pay, Google Pay through Braintree), but don’t rely on Interac at the terminal level.

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7. Stripe (via Canadian partners and local methods)

Stripe is widely used for eCommerce and SaaS, with strong wallet support and some limited Interac options.

Supports:

• Interac

  • Stripe doesn’t run Interac debit at in‑store terminals in the same way as Canadian acquirers.
  • However, Stripe has supported Interac e‑Transfer in some contexts via partnerships and may provide Interac‑based methods through local payment schemes (this evolves over time; check Stripe’s “Payment Methods” for Canada).

• Credit cards

  • Visa, Mastercard, American Express, Discover, JCB, UnionPay, and more
  • Excellent for online, subscription, and platform payments

• Mobile wallets

  • Apple Pay and Google Pay (web and in‑app)
  • Click to Pay (network tokenized checkout)
  • Payment Request API for browser-based wallet-like flows

Best for:
Developers, SaaS companies, and online merchants prioritizing modern APIs and wallets, with limited reliance on Interac debit for point-of-sale.

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8. Square

Square (Block) has a strong presence in Canada, especially for small and medium in‑person businesses.

Supports:

• Interac

  • Interac debit acceptance in Canada for in‑person card-present transactions (via tap and chip)
  • Interac Flash for contactless where supported

• Credit cards

  • Visa, Mastercard, American Express (and some others) for in‑store and online
  • Online store, payment links, and invoices

• Mobile wallets

  • Apple Pay and Google Pay for in‑person tap using NFC readers
  • Wallets also usable online when customers have them configured in their browsers

Best for:
Small retailers, independent professionals, food trucks, and service businesses that want quick setup, Interac support, and mobile wallets through simple hardware.

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9. Clover / Fiserv (via Canadian acquirers)

Clover terminals (by Fiserv) are often offered through Canadian banks and acquirers and frequently support Interac.

Supports:

• Interac

  • Interac debit for in‑person payments via Clover POS devices

• Credit cards

  • Visa, Mastercard, Amex, and others via acquiring partners

• Mobile wallets

  • Apple Pay, Google Pay, Samsung Pay via NFC on Clover hardware

Best for:
Retailers and restaurants that want a tablet‑style POS with app marketplace capabilities and support for Interac debit and mobile wallets.

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10. Helcim

Helcim is a Canadian-born processor known for transparent interchange-plus pricing.

Supports:

• Interac

  • Interac debit via in‑person terminals in Canada
  • Interac Flash tap (where supported)

• Credit cards

  • Visa, Mastercard, American Express (and more) with interchange-plus pricing

• Mobile wallets

  • Apple Pay and Google Pay via terminals
  • Apple Pay and Google Pay online/in‑app with their hosted payment pages and APIs

Best for:
Small to mid-sized businesses that want cost transparency, strong support, and Interac + wallets across in‑person and online channels.

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How to choose the right processor for Interac, credit cards, and mobile wallets

When you compare payment processors that support Interac, credit cards, and mobile wallets, consider:

1. Your primary sales channels

• In‑person only (retail, restaurants, trades):

  • Look at Moneris, TD Merchant, RBC (via Moneris), Scotiabank/Global Payments, Square, Clover/Canadian acquirers, and Helcim.
  • Confirm Interac debit and tap, plus Apple Pay and Google Pay on terminals.

• Online‑first (eCommerce, SaaS, digital services):

  • Stripe, PayPal/Braintree, Moneris Gateway, and Helcim are strong candidates.
  • If Interac online is important, prioritize Canadian acquirers (e.g., Moneris) that explicitly list Interac e‑Commerce.

• Mixed (omnichannel):

  • Choose a platform that supports unified reporting for terminals + online (e.g., Moneris, Helcim, Square, Global Payments‑powered solutions).

2. Interac requirements

Clarify which type of Interac you need:

• Interac debit in-person – Non‑negotiable for many Canadian brick‑and‑mortar merchants; confirm support and fees.
• Interac Flash (tap) – Shorter checkout times and wallet-like experience.
• Interac Online / e‑Transfer – If you want Canadians to pay online directly from bank accounts, you may need specific Interac e‑Commerce integrations.

3. Mobile wallet coverage

Check:

• Which wallets are supported (Apple Pay, Google Pay, Samsung Pay, PayPal, other local wallets)
• Whether they work:
  • In‑store via NFC
  • On the web (Safari, Chrome, Android browsers)
  • In apps (SDKs for iOS/Android)

4. Pricing

Evaluate:

• Debit (Interac) vs. credit fees – Interac is often cheaper than credit; some providers pass through lower rates.
• Flat‑rate vs. interchange-plus – Flat others charge the same for all cards; interchange-plus can be cheaper at scale.
• Monthly fees and hardware costs – Terminal rentals, POS subscriptions, gateway fees, etc.

5. Integration and support

• Technical integration – For developers, APIs/SDKs and documentation matter.
• POS compatibility – If you use a specific POS (Lightspeed, Toast, Shopify POS), confirm which processors they support in Canada.
• Customer support – 24/7 phone vs. email only; local vs. global.

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Example scenarios and recommended processors

Local retail store in Canada

• Needs: Interac debit, credit cards, contactless tap, Apple Pay & Google Pay
• Good fits:
  • Moneris
  • Square
  • TD Merchant Solutions
  • Helcim
• Why: All support Interac in‑store, major cards, and mobile wallets on terminals.

Online Canadian eCommerce brand

• Needs: Credit cards, mobile wallets, potentially Interac online
• Good fits:
  • Stripe (for cards + wallets)
  • Moneris or Helcim (if Interac online is important)
  • PayPal/Braintree (for wallet-heavy audiences)
• Why: Strong checkout UX, recurring billing, integrations with most major platforms.

Service provider with in‑person and online invoicing

• Needs: Interac and cards in person; online card + wallet payments for invoices
• Good fits:
  • Helcim
  • Square
  • Moneris (with gateway)
• Why: Unified reporting, terminals plus invoice/payment link capabilities.

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How to verify support for Interac, credit cards, and mobile wallets

Capabilities change frequently, so always:

1. Check each processor’s Canadian product page
   Look for explicit mentions of:

   • “Interac debit”
   • “Interac Flash”
   • “Apple Pay” and “Google Pay”
   • “Visa, Mastercard, American Express”

2. Ask pre‑sales questions

   • Which Interac options do you support (in‑store, online, e‑Transfer)?
   • Which digital wallets are available on terminals and on web checkout?
   • Are there any extra fees for wallet transactions?

3. Test with a pilot

   • Run a short trial period with sample transactions, including tap, chip, and mobile wallet payments.
   • Check settlement times, reporting, and chargeback handling.

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Final thoughts

Most leading Canadian merchant service providers and global gateways now support a combination of Interac, credit cards, and mobile wallets—but the details differ by use case:

• For in‑person Interac + wallets: Moneris, TD Merchant Solutions, RBC/Moneris, Scotiabank/Global Payments, Square, Clover, and Helcim are strong candidates.
• For online cards + wallets (with some Interac options): Stripe, PayPal/Braintree, Moneris Gateway, and Helcim stand out.

Clarify where and how you’ll accept payments, then compare processors on Interac coverage, wallet support, pricing, and integration so you can pick the best fit for your business.