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Acxsys Corporation powers the INTERAC e-Transfer™ service for the participating financial institutions. Acxsys Corporation facilitates the e-mail notice process and maintains the INTERAC e-Transfer™ database.
An e-mail and/or SMS text message notifying the recipient of their INTERAC e-Transfer is sent immediately after the sender completes the INTERAC e-Transfer. Once the recipient receives notification; they can complete the deposit process, usually within just a few minutes of the transfer being sent.
NOTE: If your recipient's Financial Institution does not subscribe to the INTERAC e-Transfer service, they can still deposit their funds using the Acxsys Transfer process. This method of depositing an INTERAC e-Transfer generally takes 3-5 business days, although it may take longer.
If you provided an invalid e-mail address, you will be notified via e-mail that the transfer notification was undeliverable. You can readdress and resend the transfer or cancel the pending transfer and the original amount (less the service charge) will be credited back to your account. If you provided an invalid e-mail address, but did provide a valid mobile phone number, you will not be notified by e-mail that the transfer was undeliverable. If you have provided an invalid mobile phone number and chose to notify your recipient by mobile phone only, you will not be notified in any way that the SMS text message did not go through.
The recipient will receive email or SMS reminder of the outstanding transfer 7 days after it has been sent, then again at 14, 21 and 28. After 30 days, the transfer will expire and the recipient will no longer be able to deposit the funds. At that time the sender will be notified and can cancel the expired transfer to redeposit the funds.
The security question verifies the recipient's identity and protects your funds from being received by the wrong person. The question must be answered correctly in order to complete the deposit process. It is the sender's responsibility to create a security question and answer known only to the recipient.
Guidelines for the security answer:
The sender will be notified by e-mail when an INTERAC e-Transfer cannot be completed because:
Once the sender receives this notification, they can follow the links in the message to cancel and re-deposit the funds. Service charges are non-refundable.
There are several error messages which can be generated while using the INTERAC e-Transfer feature, which may include the following: