Pending, declined, sent to the wrong person, or scammed — pick the closest match below.
Updated
Stuck for hours? Here's what's actually happening.
Minutes with Autodeposit. When to wait and when to call.
How to tell whether it's Interac or your bank.
The 6 most common reasons banks block transfers.
How to cancel before it's deposited.
What can and can't be reversed once funds are deposited.
Steps to take in the first 30 minutes.
How to report it — and what banks will (and won't) refund.
Your bank first, then OBSI — and where FCAC fits.
Check the sender and the link before you click anything.
What's holding your sending limit when your balance is fine.
Some problems can't be fixed by the bank. If you've been scammed, sent money to the wrong person and the recipient won't return it, or your bank is refusing to investigate, you may need to escalate.
Our Interac complaint guide walks through the order of operations: your bank first, then the Ombudsman for Banking Services and Investments (OBSI) if the bank doesn't resolve it within 56 days. The FCAC is a separate channel for reporting a bank that breaks consumer-protection rules.
Biller reads your Interac Autodeposit notification emails, records each payment against the client who sent it, and shows which invoices are still open.
Start freeFree plan — unlimited invoices, no card needed.
Free tools for getting paid by e-Transfer
No account needed to try them.
This page is general information, not financial, legal, or tax advice. We gathered it from public sources (banks, payment providers, government agencies such as the CRA, and published industry rates), and it reflects our understanding when it was last updated. Rates, limits, fees, and rules change without notice, and your situation may differ from the general case.
Before you rely on anything here, do your own due diligence: confirm the details with the original source, and check that they are still current. For advice about your own finances, taxes, or legal position, hire a qualified professional such as an accountant, lawyer, or financial advisor. See our Terms for the full disclaimer. Last updated September 16, 2026.