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What is CertaPay?

How do I send an INTERAC e-Transfer?

Can I send an INTERAC e-Transfer to someone not registered for online banking at Conexus?

What are the limits for INTERAC e-Transfer?

How do I receive an INTERAC e-Transfer?

How long does it take to send and receive INTERAC e-Transfers?

What do the status messages tell me?

I sent a transfer but provided an incorrect email address for the recipient. What should I do?

How do I readdress and resend an INTERAC e-Transfer?

How do I reclaim and deposit the transfer amount back into my bank account?

How much does it cost to send an INTERAC e-Transfer?

Will I be charged any additional fees from reclaiming an INTERAC e-Transfer?

Does the recipient get a reminder to deposit their INTERAC e-Transfer?

Can I cancel my registration for this service?

What is a security question?

What are the guidelines for the security answer?

What happens when an INTERAC e-Transfer cannot be completed?

I keep getting an "invalid error message" when sending an INTERAC e-Transfer?

Can businesses send INTERAC e-Transfer?


What is CertaPay?

CertaPay powers the INTERAC e-Transfer' service for participating financial institutions. CertaPay facilitates the email notice process and maintains the INTERAC e-Transfer database.

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How do I send an INTERAC e-Transfer?

  1. Log in to online banking.
  2. Click on the “Transfers” link.
  3. Click on the “Send INTERAC e-Transfer” link.
  4. Specify the account you want to send the money from, the amount, and the recipient.
    NOTE: To add a recipient to your list, all you need to know is their email address or mobile phone number.
  5. As an option, you can include a custom message with the notification email or text message that will be sent to the recipient.
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Can I send an INTERAC e-Transfer to someone not registered for online banking at Conexus?

A recipient who is not currently registered for online banking can receive INTERAC e-Transfer through one of two methods:

  • By registering for online banking during the INTERAC e-Transfer deposit process. This method allows the funds to be transferred immediately.
  • By using the CertaPay Transfer process. This process has a service fee and the transfer may take 3-5 business days. (See below for more details.)
If the recipient is a customer of another financial institution, they may or may not be required by that institution to use online banking to receive transfers.

Recipients not required to use online banking by their financial institution can deposit transfers using the CertaPay website. This is called a CertaPay transfer and may take 3-5 business days. CertaPay will charge a $4.00 fee, which will be deducted from the transfer amount. Recipients at non-participating financial institutions must use the CertaPay process to deposit a transfer.

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What are the limits for INTERAC e-Transfer?

Per transaction Send (debits) $3,000
Receive (credits) $10,000
Daily cumulative Send (debits) $10,000
Receive (credits) $10,000
Weekly Send (debits) $10,000
Receive (credits) $70,000
Monthly Send (debits) $20,000
Receive (credits) $300,000

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How do I receive an INTERAC e-Transfer?

The process for receiving the funds will vary depending on the recipient’s financial institution:
With a participating financial institution:

  1. Click on the special link located within the notification email. The link will forward you to a secure INTERAC login screen.
  2. From this screen you can select your bank or credit union.
  3. Once selected, INTERAC will take you to your financial institutions website, where you will be prompted to log in to your online banking account.
  4. Once logged in, the banking system will walk you through the deposit process.

With a Non-participating financial institution:

  1. Click on the special link located within the notification email. The link will forward you to a secure INTERAC login screen.
  2. From this screen you can select the "My financial institution does not appear here".
  3. You will be asked to create or log in to your existing INTERAC account.
  4. Once logged in, INTERAC will proceed to deposit the transfer into your chequing or savings account (which usually takes 3-5 business days). For non-participating financial institution deposits, a $4.00 service fee will be deducted from the transfer amount.
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How long does it take to send and receive INTERAC e-Transfers?

An email notice of the INTERAC e-Transfer is sent immediately after the sender selects the Send Money button. The recipient can begin the deposit process as soon as he/she responds to the email notice. A recipient who successfully claims a transfer (including answering the security question) using the online banking service of Conexus Credit Union or another participating financial institution should generally receive the funds within minutes.

Note: A recipient who successfully claims a transfer using the CertaPay Transfer process should generally receive funds within 3-5 business days. However, the actual time to receive funds through either process will vary and may take significantly longer, depending on the circumstances.

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What do the status messages tell me?

  • When the transfer has been sent.
  • When the recipient has answered the security question.
  • When the transfer was delivered successfully.
  • When the deposit is being processed by the CertaPay process (also known as a CertaPay Transfer.
  • When the deposit has been completed via CertaPay Transfer and.
  • When a cheque is being sent to the recipient to pay a CertaPay Transfer.
If you receive any of the following messages, then the transfer cannot be completed:

  • Recipient declined transfer.
  • The recipient did not collect the INTERAC e-Transfer prior to the expiry date.
  • The email address you entered for your recipient is invalid.
  • Recipient unable to answer security question.
This information will appear under the Status column for the transfer in question, and you will be sent an email reminder to reclaim and deposit the transfer amount back into your bank account.

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I sent a transfer but provided an incorrect email address for the recipient. What should I do?

If you provide an invalid email address, (e.g., an address to which email cannot be delivered), you will be notified by email that the transfer was undeliverable. You can either readdress and resend the transfer or reclaim the transfer amount back into your bank account.

Readdressing an email will reset the expiry date for the INTERAC e-Transfer to 30 days.

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How do I readdress and resend an INTERAC e-Transfer?

If you have been notified of an undeliverable INTERAC e-Transfer due to an incorrect email address, you can readdress and resend the transfer. Just:

  • Select the link under the Status column for the transfer in question to view the details of the transfer.
  • Enter the recipient's new email address into the field.
  • Select the Readdress email to recipient and resend INTERAC e-Transfer option.
  • Select the OK button.
An email notice will be resent to the recipient's new email address

Note: This action will reset the expiry date for the INTERAC e-Transfer to 30 days from the time the transfer was readdressed.

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How do I reclaim and deposit the transfer amount back into my bank account?

To reclaim and redeposit the transfer amount back into your account, you must check the status of the transfer and then select the reclaim option.

  • Select Status from the left side navigation bar under INTERAC e-Transfer.
If any of the following appear under the Status column for the transfer in question, then the transfer cannot be completed and you can reclaim and deposit the transfer amount back into your bank account:

  • Recipient unable to answer security question.
  • Recipient declined transfer.
  • The recipient did not collect the INTERAC e-Transfer prior to the expiry date.
  • Invalid email address.
Note: If you wish to cancel a transfer that can still be deposited, you must request a stop payment. A fee applies when/if a request for stop payment is successful. To request a stop payment:

  • Select the link under the Status column for the transfer in question to view further details.
  • Select the Reclaim and deposit amount back into my account option near the bottom of the page.
  • Select one of your accounts from the dropdown menu.
  • Select the OK button.
The transfer amount is automatically deposited back into the account indicated.

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How much does it cost to send an INTERAC e-Transfer?

Send an INTERAC e-Transfer                                    $1.50**
Cancel an INTERAC e-Transfer                                 No Fee
Receive an INTERAC e-Transfer                                No Fee

** This fee is non-refundable. With a No-fee chequing account Free.

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Will I be charged any additional fees from reclaiming an INTERAC e-Transfer?

No. The sender is not charged any additional fees for reclaiming a transfer.

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Does the recipient get a reminder to deposit their INTERAC e-Transfer?

The recipient will get an automatic reminder 7 days after the INTERAC e-Transfer has been sent. They will be reminded again at 14, 21 and 28 days to claim their INTERAC e-Transfer. The reminder will contain a link to the CertaPay website where the recipient can begin the deposit process .

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Can I cancel my registration for this service?

Yes, at any time you do not want this service, please call us at 1-800-667-7477 or visit your local branch and they will cancel the service.

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What is a security question?

A security question is a security feature to verify the recipient's identity. This question will appear on the recipient's INTERAC e-Transfer, and they must answer it correctly to deposit the transfer. It is the sender's responsibility to define a security question and response that only the recipient can answer correctly in order to deposit the transfer. The sender can create the security question or select one from an existing list.

Once a security question and answer are defined, the sender must contact the recipient and inform them of the exact answer. For security reasons, a method other than email should be used (e.g., telephone the recipient).

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What are the guidelines for the security answer?

Guidelines for the security answer:

  • The answer must be one word.
  • The answer must not contain any blank spaces.
  • The answer must be between 6 and 25 characters.
  • The answer is not case sensitive and letters and/or numbers are accepted.
  • If the answer is a date you must use the format dd-mm-yyyy.
  • The answer cannot contain special characters (i.e., &, $, etc.).
  • The answer should be kept strictly confidential between the sender and recipient.
  • The security question and/or answer must not be included in the optional message attached to the INTERAC e-Transfer.
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What happens when an INTERAC e-Transfer cannot be completed?

The Sender will be notified by email when an INTERAC e-Transfer cannot be completed because:

  • The recipient declined the transfer.
  • The time period for the recipient to claim the transfer has expired.
  • The email address you entered for your recipient is invalid.
  • The recipient was unable to answer the security question.
The transfer amount held by Conexus Credit Union will not be automatically deposited back into the Sender's bank account. The Sender may reclaim the transfer amount by selecting on the specific transfer on the Status page of the service and following the instructions.

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I keep getting an "invalid error message" when sending an INTERAC e-Transfer?

When sending an INTERAC e-Transfer to someone you add a message in the comment field box, certain special characters may produce and invalid error message. Characters include:-,&,_,#,% and various "bracket" types. Please do not enter these in the comment box. This will allow you to continue.

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Can businesses send INTERAC e-Transfer?

Yes, this feature is available to business customers with a sole signing officer. However, at this time, it is not available to businesses with multiple signers.

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