DCPayments Integrates Interac e-Transfer into Online Checkout for Canadian Merchants

Calgary-based Digital Commerce Payments has integrated Interac e-Transfer Business Request Money into its merchant checkout flow, allowing Canadian businesses to accept account-to-account payments alongside credit cards. For fintech professionals, this represents a significant shift toward real-time, low-cost alternatives to traditional card rails within the high-friction e-commerce environment.

What was announced

DCPayments is bringing the Interac e-Transfer service—a staple of Canadian finance with over 1.6 billion transactions in the last year—directly into the merchant transaction acquiring solution. This capability allows customers to select Interac e-Transfer at the point of sale and authorize the payment through their own participating financial institution. Crucially, the experience is designed to keep the user within the merchant’s website, rather than forcing them to navigate away to manually send an email transfer or match incoming payments to orders.

The feature targets industries where credit card fees significantly impact margins, such as professional services, home-services companies, contractors, and education providers. By using the Business Request Money feature, merchants can avoid the manual reconciliation process of matching incoming transfers to orders. Instead, the payment request, transaction status, and checkout experience are unified into a single process. This results in near real-time settlement and eliminates the risk of chargebacks, which are common with credit card transactions. The technology behind this integration was adapted from DCPayments’ existing systems already deployed for wallet-funding transactions, creating a cost-saving alternative for merchants seeking accelerated access to funds.

"Many Canadian businesses already see the value of account-based payments, but the experience often sits outside their normal checkout process. Bringing Interac e-Transfer Business Request Money into checkout gives merchants a more efficient way to accept payments while offering customers a familiar and convenient way to pay."

Pamela Draper, President of DCPayments.

The companies involved

Digital Commerce Payments, often referred to as DCPayments, is a Canadian payments provider headquartered in Calgary, Alberta. It operates as part of the broader Digital Commerce Group, an organization focused on digital financial infrastructure and transaction technology. DCPayments specializes in transaction acquiring solutions and has a history of developing technology for wallet funding and account-based transfers, positioning itself as a bridge between traditional banking networks and modern e-commerce needs.

Interac is the central figure in Canada’s debit and money transfer landscape. As a national payment network, it facilitates the movement of funds between financial institutions and is a primary method for peer-to-peer and business-to-consumer transactions in the country. The Interac e-Transfer network is widely regarded as one of the most secure and trusted financial rails in North America. Unlike international card schemes, Interac operates as a domestic utility, making its integration into commercial checkout flows a strategic move for local providers like DCPayments who are looking to offer alternatives to the global Visa and Mastercard duopoly.

What FF News has reported before

FF News has previously tracked the evolution of the Canadian digital banking and payment landscape. In 2024, we covered an Interac survey shows Gen Z is driving a surge in mobile spending, which highlighted how younger demographics are increasingly moving away from physical wallets in favor of integrated digital solutions. This trend aligns with the push for more seamless checkout experiences like the one launched by DCPayments. Additionally, our coverage of the broader market includes reports on Haventree Bank challenges traditional banking with new direct-to-consumer digital platform, illustrating the ongoing digital transformation within the Canadian financial sector as institutions seek to modernize their interaction with both consumers and businesses.

What this means

This move by DCPayments signals a maturing of account-to-account (A2A) payments in the North American market. While A2A has long dominated in Europe and parts of Asia, Canada has historically relied on card rails for e-commerce. By embedding Interac e-Transfer—a brand with near-universal adoption in Canada—directly into the checkout, DCPayments is putting direct pressure on credit card processors. The elimination of chargebacks and the reduction of processing fees are powerful incentives for merchants, particularly in high-ticket sectors. The industry question now is whether consumer habit will shift from the rewards-heavy credit card culture to the security and speed of direct bank transfers.