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INTERAC® Online – Frequently Asked Questions
- What is INTERAC Online?
- How does INTERAC Online work?
- Is INTERAC Online secure?
- Which financial institutions offer INTERAC Online?
- What if I don't have online banking?
- Is there a limit to how much I can spend?
- How much does it cost to use INTERAC Online?
- Will MEC see my account number if I pay with INTERAC Online?
- Can I use INTERAC Online on any computer?
- Who do I call if something goes wrong?
- What if I need to cancel all or part of my order?
- What if I need to return my purchase? How do I get my money back?
What is INTERAC Online?
The INTERAC Online service is a new payment option that allows you to pay for goods and services on the Internet directly from your bank account. It is secure and easy to use.
How does INTERAC Online work?
- Shop for goods as you normally would.
- Select the INTERAC Online option when you are ready to pay and you will be provided with a list of participating financial institutions.
- Select the financial institution that you want to pay from. You will need to be registered for online banking.
- Log in to online banking with your usual login ID and password.
- Choose an account to pay from.
- Confirm the payment – you will automatically be re-directed back to MEC.
- Get your confirmation page and you are done.
Is INTERAC Online secure?
Yes, the INTERAC Online service is secure because:
- You do not need to enter any financial information, card numbers, or login information on the MEC site.
- You use your existing online banking service.
- The payment is completed through your financial institution.
- No sensitive information is shared between MEC and your financial institution.
Which financial institutions offer INTERAC Online?
The service is currently only available to BMO Bank of Montreal, RBC Royal Bank, Scotiabank, and TD Canada Trust customers.
What if I don't have online banking?
Contact any participating financial institution or visit their website to inquire about receiving a user ID and password.
Is there a limit to how much I can spend?
Your INTERAC Online payment is handled by your financial institution so any limits on the amount are controlled by them. Contact your financial institution to inquire about your limits.
How much does it cost to use INTERAC Online?
Your financial institution processes the payment and may charge a fee for this service. Contact your bank to inquire about any fees applicable.
Will MEC see my account number if I pay with INTERAC Online?
No, we are only advised that you are making your payment through one of the participating financial institutions. We are not provided with any other information such as your account number, card number, or password.
Can I use INTERAC Online on any computer?
Yes, you can use the service on any computer where you can access your financial institution's web banking service. You must also have cookies and Javascript enabled in your web browser.
Always make sure you are careful with your passwords when using a public computer.
Who do I call if something goes wrong?
If you have questions about the products that you have purchased using the INTERAC Online service, (e.g. about delivery time, shipping options, product information etc.) please email us at info@mec.ca or call us at:
1.888.847.0770 (Canada and USA)
604.876.6221 (Outside North America)
If you have questions or concerns about your INTERAC Online payment (e.g. fees, limits, your account, processing times etc.) that we cannot answer, please contact your financial institution.
What if I need to cancel all or part of my order?
Please call us at:
1.888.847.0770 (Canada and USA)
604.876.6221 (Outside North America)
Any adjustments or order cancellations will be refunded by cheque to your billing address.
What if I need to return my purchase? How do I get my money back?
If an item hasn't met your expectations, you can return it for exchange, refund, repair, or credit. Returns and exchanges can be made at any of our stores, or by mail. For items returned by mail, we will issue a refund cheque to your billing address.
Rest assured with our Rock Solid Guarantee
We guarantee the products we sell, and the advice we give. Return anything that fails to meet your expectations and you'll receive a no-hassle refund, exchange, credit, or repair.