INTERAC Flash®

Effective April 21, 2021, Sunrise Credit Union members will be able to increase their per transaction limit when using Interac Flash® to $250.

This increase comes after Sunrise Credit Union increased the cumulative limit for our members to $400 in the fall of 2020. These increases help accommodate social distancing and reduce member physical interaction with payment devices.

To activate this per transaction increase on our current ATM/debit cards, members will need to perform three consecutive Point of Sale transactions with their ATM/debit card by entering their PIN on the keypad. After three successful PIN transactions, the Interac Flash limit will automatically take effect.
 
From time to time, a point-of-sale terminal will randomly disallow using the contactless method for the transaction and prompt you to insert the ATM/debit card and enter your PIN. This function ensures that the rightful card owner is using the ATM/debit card.

The fast and easy way to pay.

INTERAC Flash®, the contactless version of Interac® Debit, is the secure way to make everyday small purchases faster and more conveniently.


HOW DOES IT WORK?

Briefly hold your Interac Flash-enabled debit card over the contactless payment terminal and your purchase is automatically paid for right from your account.

THE SECURE WAY TO PAY.

Interac Flash has a single-transaction limit of $250, and a total-spend limit set by your financial institution, which requires a PIN verification to confirm you are the rightful cardholder. For more information on how you're protected when you use Interac Flash, click here.

TOP THREE MYTHS DEBUNKED

Myth #1 - Fraudsters can steal my card information right from my wallet.

Not true. Interac Flash uses EMV-based secure chip processing instead of magnetic stripe data processing. This protects Interac Flash against skimming, counterfeiting, and transaction replay types of fraud. The information on an Interac® Debit card cannot be unwrapped or duplicated to produce a counterfeit card or transaction. Basically, the information on your card is useless to a criminal.

Myth #2 - I might pay for something by standing too close to a merchant terminal with an Interac Flash-enabled debit card in my wallet.

Not true. Your card needs to be less than four centimetres away from the terminal and positioned at a particular angle in order to make a purchase.


Myth #3 - If my Interac Flash-enabled debit card is lost or stolen, my account could be emptied before I even realize it.

Spending limits require the cardholder to enter their PIN once set limits are reached. The Sunrise Credit Union limits are $250 for single transactions and a $400 cumulative limit. Consumers using Interac Flash are also covered by the Interac Zero Liabiliy Policy.

WHAT IF I LOSE BY MEMBERCARD?

If your card is lost or stolen, contact your Sunrise Credit Union branch right away. You can also use the Lock'n'Block feature on our Mobile App to temporarily disabled your card.

How does my debit card work with mobile devices?

Square and other​ providers use Software-Based Pin on Cots (SPoC) for Mobile Point of Sale transactions. SPoC solution allows cardholders to enter their PIN using a merchant-owned mobile device such as a mobile phone or tablet.


Statement of Commitment: Codes of Conduct for the Credit and Debit Card Industry in Canada

Sunrise Credit Union is committed to the Canadian Code of Practice for Consumer Debit Card Services and the Code of Conduct for the Credit and Debit Card Industry in Canada. These codes are designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.

For more information, please see:
Canadian Code of Practice for Consumer Debit Card Services
Code of Conduct for the Credit and Debit Card Industry in Canada
 

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