APM (Alternative Payment Methods)
This section provides integration details for Alternative Payment Methods supported by the PSP API. These methods allow users to complete transactions using localized or non-traditional payment options such as INTERAC® (Canada), Open Banking (EU), and other region-specific services. APMs are especially useful for increasing conversion rates and catering to customer preferences in different markets.
Canada
INTERAC® e-Transfer deposit
INTERAC® e-Transfer is a Canadian real-time payment method that allows users to send and receive money directly from their bank accounts using email or phone number. Supported by major Canadian banks, it is a secure and widely used solution for domestic transfers.
PAY ATTENTIONThe INTERAC logo is a trade-mark of INTERAC Corp. Used under license.
Payin request
{# A unique id on the merchant side. Required"merchantOrderId": "1697633610-v3","invoice": {# Three-letter ISO currency code, in lowercase. Required"currency": "cad",# The quantity of currency to be paid. Numeric-string. Required"amount": "40.10"},"client": {# Required all data# ID from 4 to 20 characters."id": "1234","name": "John;Doe","phone": "14165550199"},"description": "description",# Endpoint that will be used to return client on your site. Optional"return_url": "https://example.com/"}
INTERAC® e-Transfer withdrawal
INTERAC® Payouts enable businesses to send real-time payments directly to Canadian recipients using their email address. Funds are deposited straight into the recipient’s bank account via participating financial institutions.
INFOTo process payouts via INTERAC e-Transfer for consumers who have not enabled auto-deposit, merchants must have their Paramount accounts configured to allow non-auto-deposit payouts.
Payout request
{"merchantOrderId": "withdrawal-31","amount": "31.00",# Three-letter ISO currency code, in lowercase. Required"currency": "cad","counterparty": {# Required. The recipient's email must be associated with a bank account that has completed KYC!"type": "interac",},"client": {# Required all data# ID from 4 to 20 characters."id": "1230","phone": "14165550199","ip": "192.168.13.87"},"description": "description"}
🔗 Additional Information
You can also retrieve the transaction status — see our “Status” and “Webhook” section.
Before making a payout, you can check the available balance — learn more here.
Authentication is described in the general section of our API documentation — see details here.