Hi, how can we help you?

Check payment status

Use your reference number or message code to see the latest status.

Found in your confirmation email — reference numbers start with CA or C1A, message codes are alphanumeric like AMRSV8LBJP

Most pending payments resolve automatically — no action required.

i Where can I find my reference number or message code?

You'll find it in the confirmation email or the "Message" section in the e-transfer that you sent.

  • i Reference numbers start with CA or C1A
  • ii The Unique Message code will be all CAPS Alphanumeric

Frequently Asked questions

Let’s answer some of your questions

What is PayDirect?

PayDirect is a Canadian company based in Toronto that enables merchants to accept money directly through online or mobile banking. We offer two ways to accept bank-account-based payments, Interac® and Instant Bank Transfer.

Do I need a PayDirect Account?

You do not have to sign up for an account to use PayDirect. You pay directly from your existing bank account with Interac or Instant Bank Transfer. To use PayDirect, you must be located in Canada, be 18 years of age or older, and have a Canadian bank account.

Payment Limits & Supported Banks?

PayDirect supports transactions in Canadian dollars (CAD) only. PayDirect does not charge any fees to pay with Interac. However, some banks may charge a small fee for sending money with Interac e‑Transfer®. Minimum payment limits vary by merchant.

Maximum payment limits vary by bank. The range is typically between $2,500 to $3,000 per day and $10,000 per week.

Interac e-Transfer and Interac via Online Banking supports all banks.

Why is my payment pending?

We haven’t received the funds for this transfer yet. In some cases, payments can take up to 1–2 hours to complete.

As soon as we receive the funds, you’ll get a confirmation email and the funds will be credited to your account automatically.

If the funds have left your account but you haven’t received a confirmation email yet, check back here after two hours for the latest update.

My payment was completed but funds haven’t arrived?

Most deposits are processed within 5–10 minutes, and your balance will update accordingly. If it has been longer than that, please check your email for any notifications from PayDirect, as we will contact you if there’s an issue with the deposit.

In rare cases, the network may perform additional security checks, which can delay the transfer by up to 2 hours. If you’ve already completed the payment and haven’t received the funds or an update after 2 hours, please reach out to us with a copy of your payment so we can investigate further.

How will the payment appear on my bank statement?

Exact descriptions vary by bank, but will always include PAYDIRECT, ETRANSFER, and, in most cases, INTERAC. It may also include a reference number.

I sent money by mistake

When we receive funds sent in error, a refund is automatically issued within 1-2 days. Please check your email for any notifications from PayDirect for any updates.

Why is my withdrawal pending?

Check your bank statement carefully. Exact descriptions vary by the bank but always include PAYDIRECT, ETRANSFER, and, in most cases, INTERAC.

If your email address is not registered for Autodeposit, check your email inbox or spam folder for a notification from Interac and follow the instructions to accept the funds.

If you provided the wrong email address, please contact us to determine the status of the withdrawal.

In addition to the fields on the contact form, please also include:

  • The Interac reference number (starting with the letters CA)
  • The incorrect email address
  • The correct email address

How long do withdrawals take?

After we approve the withdrawal, the funds will be sent to your account. If you have auto-deposit registered with your bank, waiting for approval isn’t required and the funds can be deposited into your bank account immediately. Otherwise, check your email for notification of your withdrawal and follow the instructions to accept the funds.

My withdrawal expired

If your withdrawal has expired, you will have to initiate a new withdrawal from the merchant’s app or website.

I requested a withdrawal and it was rejected, can you explain why?

There may be a number of reasons why your transaction was rejected. Please contact the merchant for assistance. You will have to initiate a new withdrawal from the merchant’s app or website.

Support

Still need help? Contact us.

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