Pay by Interac e-Transfer
Send an Interac e-Transfer from a Canadian bank account for your Rbcpay marketplace transaction, then submit the payment details for review.
Canadian accounts
Usually same day
Reference required
Payment review
Transaction updated
Interac e-Transfer is for Canadian bank accounts, in Canadian dollars
An e-Transfer is sent from your own bank’s app or website. If your account is outside Canada, or the transaction is not in Canadian dollars, use a bank wire instead.
CAD
How an e-Transfer payment works
1
Confirm the transaction
Check the amount due and the payment reference.
2
Open your banking app
e-Transfer is sent from inside your own bank.
3
Add the recipient
Enter the email address exactly as shown on this page.
4
Add the reference
Put the payment reference in the message field.
5
Submit the details
Send us the reference number and a screenshot.
Before this page is published. The e-Transfer email address, whether autodeposit is enabled, and if not, the security question and answer to use must be supplied by Rbcpay and entered on this page. Do not publish it with the placeholder values shown below.
e-Transfer recipient details
| Recipient name | To be confirmed |
| e-Transfer email address | To be confirmed |
| Autodeposit enabled | To be confirmed |
| Security question, if autodeposit is off | To be confirmed |
| Payment reference | Your transaction payment reference |
| Currency | CAD |
If autodeposit is enabled, no security question is needed and the funds are deposited automatically. If it is not, use only the security question and answer shown here, and never send the answer in the same message as the transfer.
Before you send
- Confirm the recipient email character by character
- Confirm whether autodeposit is enabled
- Use only the security question shown here, if required
- Enter the payment reference in the message field
- Confirm the amount matches the transaction
- Keep the reference number and a screenshot
Submit your payment details
Submit these details as soon as the payment is sent, so it can be matched to your transaction when it arrives.
What to upload
- A screenshot of the sent e-Transfer
- The reference number must be readable
- The recipient and amount must be visible
- The deposit confirmation email, if you received one
STOP
Recipient or security answer changed?
- Do not send to an email address received by message
- Do not use a security answer sent to you by message
- Do not send the answer in the transfer message itself
Rbcpay will not ask you to change e-Transfer details through an unverified message.
Where your payment stands
Transfer sent
Transfer deposited
Payment reviewed
Payment confirmed
An e-Transfer usually arrives the same day, but the transaction record is updated only after the deposit has been received and reviewed against your reference.
Avoid payment delays
- Send in Canadian dollars
- Confirm the recipient email address exactly
- Enter the reference in the message field
- Send the exact amount due
- Stay within your bank's e-Transfer limits
- Submit the reference number promptly
- Keep the screenshot until the transaction completes
Important information
Timing
Most e-Transfers arrive the same day, some are held for review by the bank.
Limits
Per transfer, daily and weekly limits are set by your bank.
Security answer
Never send the security answer in the same message as the transfer.
Canada only
e-Transfer is between Canadian bank accounts, in Canadian dollars.
Release follows the terms
A deposited transfer funds the transaction, it does not release it.
Frequently asked questions
What is autodeposit?
Autodeposit lets a recipient receive an e-Transfer without answering a security question. If it is enabled on the recipient address, do not send a security question and answer, the funds deposit automatically.
What security question should I use?
Only the one shown on this page. Never use a question or answer that was sent to you in a message, and never put the answer in the transfer message field.
How long does an e-Transfer take?
Most arrive the same day. Some are held briefly for review by the sending or receiving bank. The transaction is updated once the deposit is received and reviewed.
Is there a limit on how much I can send?
Yes, and it is set by your bank rather than by Rbcpay. If the amount due exceeds your limit, use a bank wire instead of splitting the payment across several transfers.
Can I send an e-Transfer from outside Canada?
No. Interac e-Transfer operates between Canadian bank accounts. Use a bank wire for anything else.
What if the transfer is declined or expires?
The transaction stays unfunded until a successful payment is received. Send again with the correct details and submit the new reference number.
Check the address before you send.
Confirm the recipient email and the security question on this page, not in a message. If anything differs, stop and contact us first.
Rbcpay is a marketplace transaction platform and is not a bank or financial institution. Interac e-Transfer is operated by its own provider. Availability, limits and settlement are determined by your bank, not by Rbcpay.