CALGARY, Alberta — September 8, 2026
Executive Summary
DCPayments has introduced Interac e-Transfer® Business Request Money at online checkout, giving Canadian merchants an account-based payment option alongside credit cards. The capability is designed to reduce processing costs on larger transactions, limit chargeback exposure, and accelerate settlement and reconciliation. Customers can authorize payments through their participating financial institution while remaining within an integrated checkout experience, creating a familiar alternative to traditional card payments.
Announcement Overview
Digital Commerce Payments (DCPayments), part of Digital Commerce Group, has launched an online checkout capability integrating Interac e-Transfer Business Request Money with its transaction acquiring solution. Canadian merchants can offer the payment method alongside cards, particularly for higher-value purchases where percentage-based card fees can affect margins. The integrated process connects payment requests, customer authorization, transaction status and order confirmation, while funds can be confirmed and settled in near real time. The solution is available now and is intended to simplify payment acceptance, reconciliation and access to funds.
Key Announcement Details
- Announcement Type: Partnership
- Announcing Entity: Digital Commerce Payments (DCPayments)
- Announcement Date: September 8, 2026
- Dateline: CALGARY, Alberta
- Announcement: Interac e-Transfer® Business Request Money added to online checkout
- Payment Type: Account-Based Payments
- Availability: Available now
- Primary Benefit: Lower processing costs
- Additional Benefits: Fewer chargebacks; faster settlement; simpler reconciliation
- Checkout: Integrated virtual iFrame
- Target Market: Canadian merchants
- Best Fit: Higher-value transactions
- Interac Volume: 1.6B+ transactions last year
- Parent Company: Digital Commerce Group (DCGroup)
- Executive: Pamela Draper, President, DCPayments
DCPayments Adds Account-Based Payments to Online Checkout
DCPayments has introduced a new checkout capability that allows Canadian merchants to offer Interac e-Transfer Business Request Money during online purchases.
The offering brings an established Canadian payment method into the merchant checkout process rather than requiring customers and businesses to handle transfers separately.
The capability is available through DCPayments’ transaction acquiring solution and enables shoppers to:
- Select Interac e-Transfer as a payment method.
- Approve the payment through their participating financial institution.
- Complete the authorization within an integrated online checkout experience.
- Receive payment confirmation connected to their purchase.
The companies said the experience is designed to feel as though the customer remains within the merchant’s website throughout the payment process.
Interac e-Transfer is described in the announcement as a major component of Canada’s digital economy, with more than 1.6 billion transactions processed last year.
Supporting Higher-Value Transactions
Merchants can present Interac e-Transfer Business Request Money as an additional payment choice or direct customers toward the account-based method for larger purchases.
That positioning is particularly relevant where credit card processing costs are calculated as a percentage of transaction value. For merchants handling higher-value orders, reducing reliance on percentage-based card acceptance can have a more noticeable effect on payment costs and margins.
DCPayments has therefore positioned the capability as a potential alternative for businesses seeking to:
- Lower payment processing costs
- Offer another familiar payment method
- Support larger transactions
- Improve access to funds
- Simplify payment reconciliation
Integrated Payment and Reconciliation Flow
The new capability changes how merchants can handle Interac e-Transfer payments during online purchases.
Under a conventional process, a business may provide customers with an email address and separate payment instructions. The incoming transfer can then require a separate process to determine which order it relates to.
DCPayments’ integrated approach connects the relevant stages of the transaction within the checkout process.
The flow brings together:
- Payment request
- Customer authorization
- Transaction status
- Order confirmation
- Payment reconciliation
Customers therefore do not need to manually copy an email address or separately initiate an Interac e-Transfer transaction, while merchants can avoid independently identifying and matching incoming payments to individual orders.
Payments can be completed in near real time, providing merchants with faster access to funds and removing the option for chargebacks associated with the payment flow described in the announcement.
Leadership Commentary
Pamela Draper, President of DCPayments, said:
“Many Canadian businesses already see the value of account-based payments, but the experience often sits outside their normal checkout process,”
Draper added:
“Bringing Interac e-Transfer Business Request Money into checkout gives merchants a more efficient way to accept payments while offering customers a familiar and convenient way to pay.”
Businesses That Can Use the Capability
Interac e-Transfer Business Request Money is designed to provide a streamlined method for collecting payments through the Interac e-Transfer network.
The announcement identifies several business groups that may find the capability particularly relevant:
- Professional services firms
- Contractors
- Home-services companies
- Education providers
- E-commerce retailers
- Other Canadian organizations seeking alternatives to card-based payment acceptance
The solution may be especially relevant to businesses with higher average transaction values or organizations already accepting Interac e-Transfer payments but looking for a more automated checkout and reconciliation process.
Potential Reduction in Chargeback Exposure
Because funds move directly between accounts, Interac e-Transfer can reduce the risks and costs associated with chargebacks compared with payment methods that support chargeback processes.
DCPayments said this characteristic can provide an additional financial benefit for merchants by reducing costs associated with payment disputes.
The account-based structure therefore forms part of the solution’s broader value proposition alongside:
- Payment cost considerations
- Faster transaction confirmation
- Automated reconciliation
- Accelerated access to funds
- Reduced chargeback exposure
Technology Behind the Checkout Capability
DCPayments developed the new checkout functionality using technology that was already deployed for wallet-funding transactions.
The company adapted an established payment flow for merchant checkout, allowing it to extend an existing technical foundation into online payment acceptance.
The resulting capability is positioned as a potential cost-saving alternative to credit card acceptance while also supporting faster access to merchant funds.
Frequently asked questions:
How can Canadian merchants accept payments by Interac e-Transfer Business Request Money at online checkout?
Canadian merchants can add Interac e-Transfer Business Request Money to their online checkout through DCPayments’ acquiring solution.
Customers select Interac e-Transfer as their payment method and authorize the request through their participating financial institution. The process takes place within a virtual iFrame, creating an experience designed to keep customers within the merchant’s website.
How can Canadian businesses save money by accepting payments through DCPayments’ Interac e-Transfer Business Request Money solution instead of credit cards?
DCPayments has structured the solution as a cost-effective alternative to traditional credit card payments.
Because credit card processing fees are typically percentage-based, potential savings can become more meaningful as transaction values increase.
Businesses evaluating the economics of the payment method can discuss DCPayments’ pricing model and compare the potential costs with their existing payment acceptance arrangements.
Can offering Interac e-Transfer Business Request Money help reduce cart abandonment?
Adding Interac e-Transfer Business Request Money gives Canadian shoppers another familiar payment option.
For customers who prefer not to use credit cards, the additional account-based method may help merchants retain purchases that could otherwise be abandoned during checkout.
The capability therefore adds payment choice without requiring customers to leave the integrated checkout experience.
How does Interac e-Transfer Business Request Money make checkout easier?
The feature brings several steps into a single purchase flow:
- Payment request
- Customer approval
- Transaction status
- Order confirmation
Customers do not have to copy an email address or separately initiate an Interac e-Transfer transaction.
Merchants likewise do not need to independently identify and reconcile incoming transfers against orders, simplifying the payment administration process.
Which businesses benefit most from Interac e-Transfer Business Request Money at checkout?
The capability is particularly relevant to Canadian businesses with higher average transaction values.
Potential users include:
- E-commerce retailers
- Professional services firms
- Contractors
- Home-services companies
- Education providers
- Businesses already accepting Interac e-Transfer payments
Organizations seeking a more automated checkout and reconciliation process may also benefit from the integration.
How is Interac e-Transfer Business Request Money at checkout different from accepting Interac e-Transfer transactions using an email and payment instructions?
Traditional Interac e-Transfer acceptance can require a business to provide an email address and payment instructions before separately matching the incoming transfer to an order.
DCPayments connects the payment request, customer authorization, transaction status and order through the checkout process.
This keeps the payment and purchase information connected instead of requiring merchants to reconcile the transfer separately after payment.
How quickly do Canadian merchants receive funds from payments made using Interac e-Transfer Business Request Money?
According to DCPayments, payments are confirmed and settled in near real time to a merchant’s DCPayments wallet.
The company states that merchants receive immediate transaction confirmation and accelerated access to funds, including during:
- Evenings
- Weekends
- Holidays
The announcement contrasts this with credit card transactions, which are typically settled no sooner than the next business day.
Is Interac e-Transfer Business Request Money secure for online purchases?
Customers authorize payments through their own Canadian financial institution using the authentication process they already use for online banking and Interac e-Transfer.
Customers do not enter or store credit card information within the Interac e-Transfer Business Request Money checkout flow.
Availability
The new DCPayments checkout capability is available now.
Businesses seeking additional information can contact DCPayments through its designated contact channel.
Footnotes
1. ® Interac e-Transfer is a registered Trade-mark of Interac Corp. Used under licence.
About Digital Commerce Group (DCGroup)
Digital Commerce Group (DCGroup) is a Canadian financial technology conglomerate headquartered in Calgary, Alberta.
The group operates in the Payments-as-a-Service (PaaS) sector and provides an integrated ecosystem through its core businesses:
- Digital Commerce Bank (DCBank) — a Schedule 1 Canadian chartered bank
- Digital Commerce Payments (DCPayments)
- Pateno Payments Inc. (Pateno)
With a history spanning more than 25 years, DCGroup focuses on connecting traditional banking capabilities with modern fintech technologies.
Its payments-focused APIs and related technologies support:
- Card issuing
- Real-time domestic payments
- Digital wallets
- Customizable integrations
- Secure and scalable payment solutions
- Faster deployment of payment capabilities
DCGroup states that its technology ecosystem is designed to provide clients with speed-to-market, customizable integrations and scalable infrastructure while supporting measurable return on investment for domestic and international partners.
The group also contributes to Canada’s fintech ecosystem through initiatives including the Digital Commerce Group Fintech Grant.
Media Contact
For additional information, visit dc-payments.ca.
Source Attribution
Source: Company announcement
