Interac Test Cards
In order to test Interac, you will need a special test card. These cards can be found here: https://b2ps.com/products/b2-emv-test-card-sets/
The test card will look something like this
CP Testing (terminal)
Basic Usage
It is always required to insert an Interac card. Although it has a magstripe stripe, if you swipe, It will ask that you insert the card. After inserting the card, you are prompted to select checking or savings. You can select either one. It will then ask for a pin number, that number is printed on the card and you can see from my card above the "Offline PIN" is 1234. After you enter the PIN number, it will complete the transaction and the funds will be captured.
Supported Terminal Payment Methods
- Chip Insert is required and the only method supported
- Swipe is not supported
- Tap is not supported
Country Support
Interac is only supported on a terminal who's merchant account is to Canada and the terminal location is also set to Canada and payments can only be processed if the currency is CAD.
CNP Testing (eCommerce website or manual entry at POS)
Basic Usage
Interac cards can often be used without a terminal, but in this case, they behave like a normal debit card attached that might be issued by Visa or Mastercard and they do not get the Interac rates but instead get the normal CNP credit card rates. You can see from the image above that there is a test Visa card number, an expiration date and CVV (Service) code.
Country Support
In this case the card behaves like a normal debt/credit card and can be used in outside Canada (i.e. at a US store). Normal interchange rates will apply on the transaction.