INTERAC Flash† and PayPass™

INTERAC Flash† and PayPass™

​​​​​​PayPass™, INTERAC Flash…they both sound so futuristic and, well, fast. And that's exactly what you can expect from these two innovative ways to pay with your card. PayPass™ and INTERAC Flash allow you to make purchases with your Affinity MasterCard® or MEMBER CARD®, respectively, without swiping or inserting your chip into a terminal. In fact, your card doesn't even need to touch the terminal, just held close (less than 2-4 inches) to compatible terminals. Through the power of wireless radio frequency, your account information is read and boom – payment complete! How PayPass™ and INTERAC Flash will make your life easier:

  • It's fast and convenient: gone are the days where you need to fumble to insert your chip and enter your pin or carry cash for lower value transactions. Hold a small child or a bag of steaks in one hand and pay with the other with a flick of the wrist. It's multi-tasking at its finest.
  • It's catching on: contactless payment is being adopted by more and more stores all the time, where getting in and out quickly is important to shoppers like you (think drive-thrus, gas stations and grocery stores).
  • Know where your money goes: now even your low dollar transactions that you may have paid cash for in the past can easily be paid for with your card and run through your account, so you can keep track of every penny you spend.
  • Your money's safe: don't worry, the brilliant minds who came up with this technology added extra security features, over and above the ones in traditional payment cards, so your money is protected from folks who want to steal or misuse your card. Read on to find out more details.

So how secure is touchless payment?

You know what, it's more secure than you think! The contactless device, network and system that processes the payment have added security technologies to keep the fraudsters at bay. And here they are, in no particular order:

  • ​Each card with PayPass or INTERAC Flash have its own unique built-in secret "key", kind of like the key for your house or car.  This "key" generates a unique card verification value or a cryptogram, as it's also known, that exclusively identifies each transaction. No two cards share the same key, and the key is never sent anywhere or to anyone.
  • The networks are pretty smart too – they can automatically detect and reject any attempt to use the same transaction information more than once. What this means is even if a fraudster should "read" the information from one of your contactless transactions, or even numerous transactions from one card, this information would be useless.
  • Contactless payment cards and devices won't transmit your name, limiting the amount of information that is communicated during the transaction.
  • You have the power! You control both the transaction and the card throughout the process since you don't have to hand over your card or account information to someone else during your purchase.

How to protect yourself and your cards even further

Yes, there are security measures in place to protect your cash, but why not take some steps to make things extra secure? Consider it the Fort Knox of payment security. 

One great tip is not to leave your contactless payment card unattended for a length of time. Treat it like you would your cash!

Where can I use my contactless payment card?

Just tap and go anywhere you see this symbol. contactless indicator graphic.jpg
You can also learn more about INTERAC Flash​​ and the full list of merchants where Interac Flash is available.