🇨🇦 Interac money requests

Request CAD from a payer via the API — Blaaiz sends an Interac money request and credits your wallet when they approve

Collect Canadian Dollars by requesting them. Instead of waiting for a customer to push an Interac e-Transfer to your Auto Deposit email, your platform calls one endpoint and Blaaiz sends an Interac money request to the payer's email. The payer approves it from their banking app, the funds land in your CAD wallet, and you receive a collection webhook.

This is the pull counterpart to Interac Auto Deposit collections (the push flow). Use it when you'd rather initiate the collection than display an email and hope the customer sends the right amount.

How it works

The initial API call returns immediately with the collection in a PENDING state. Settlement happens asynchronously once the payer approves — you learn the final outcome from the collection webhook, not the initial response.

Prerequisites

A business with API Services enabled and an active CAD wallet.
Interac enabled for CAD on your account.
An OAuth credential that includes the collection:interac:create scope (part of the collections and full-access bundles). See Authentication.

Initiate a money request

Send the amount and the payer's email. Blaaiz sends the Interac request to that email.

curl -X POST https://api-prod.blaaiz.com/api/external/collection/interac-money-request \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 100,
    "email": "payer@example.com"
  }'

Response:

{
  "message": "Interac money request sent successfully.",
  "transaction_id": "20580e50-1b32-40a6-aa46-ac8e795b3zas",
  "reference": "CA1MR6ahQBCJ",
  "expires_at": "2026-06-14T10:00:00+00:00"
}

Field	Description
`transaction_id`	Blaaiz transaction ID for the pending collection. Store it to reconcile against the webhook.
`reference`	The Interac reference number for the money request.
`expires_at`	When the request expires if the payer doesn't approve it (48 hours from creation).

Request fields

Field	Required	Description
`amount`	Yes	CAD amount to request, in major units (e.g. `100.00`).
`email`	Yes	The payer's email — Blaaiz sends the Interac request here.
`customer_name`	No	Display name for the payer on the request. Defaults to your business name.
`customer_id`	No	A `VERIFIED` customer belonging to your business, to attribute the collection to.
`expiry_hours`	No	Hours until the request expires if the payer doesn't approve it. Defaults to `48`; max `120`.

Unlike Auto Deposit collections, the email here is the payer's address (where the request is sent), not your business Auto Deposit email. You don't need an Auto Deposit email configured for this flow.

Handle the collection webhook

When the payer approves the request, Blaaiz credits your CAD wallet and sends a collection webhook to your configured collection_url. Match it to the pending collection using transaction_reference (the reference from the initiate response) or transaction_id.

{
  "message": "Transaction Completed",
  "transaction_id": "20580e50-1b32-40a6-aa46-ac8e795b3zas",
  "transaction_reference": "CA1MR6ahQBCJ",
  "transaction_status": "SUCCESSFUL",
  "transaction_fee": 2.0,
  "transaction_amount_without_fee": 98.0,
  "transaction_amount": 100.0,
  "transaction_currency": "CAD",
  "source_information": {
    "collection_email": "payer@example.com",
    "collection_name": "John Doe"
  },
  "event_id": "9d46a6c7-fbb4-48f0-912c-4f9611fe5844",
  "type": "collection"
}

Only credit the customer in your system once transaction_status is SUCCESSFUL. See the CAD collection webhook payload for the full schema.

If the payer does not approve before expires_at, Blaaiz sends a collection webhook with transaction_status set to EXPIRED and message set to Transaction Expired. No funds move. Use this webhook to close the pending request in your system. See Expired transactions.

Fees

The standard INTERAC collection fee applies, the same as Auto Deposit collections. Your wallet is credited the net amount (transaction_amount_without_fee); transaction_fee shows the fee deducted.

Money request vs Auto Deposit

	Initiate money request (pull)	Auto Deposit (push)
Who starts it	Your platform, via API	Your customer, from their bank
Email you pass	The payer's email	n/a (you display your Auto Deposit email)
Customer action	Approve a request in their bank app	Send an e-Transfer to your email
Setup required	`collection:interac:create` scope	An active Auto Deposit email
Best for	Invoicing / on-demand requests with a known amount	Open-ended inbound payments

Common pitfalls

Treating the 200 response as settlement. The initiate call only confirms the request was sent. The collection is PENDING until the payer approves it — always wait for the SUCCESSFUL collection webhook before releasing value.

Payer doesn't approve in time. Money requests expire at expires_at — 48 hours after creation by default, or sooner if you set expiry_hours (max 120). If the payer never approves, no funds move. Blaaiz then sends a collection webhook with transaction_status set to EXPIRED, so you can stop waiting and close the request in your system.

No active CAD wallet. The endpoint returns 400 with No active CAD wallet found... if your business has no CAD wallet. Create one first.

APIs used

Initiate Interac money request
CAD collection webhook payload
Authentication & scopes
Accept incoming Interac money request — for externally received transfers

🇨🇦 Interac money requests

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