Editing Debit card (section)

===Canada===
{{Main|Interac}}
[[Canada]] has a nationwide EFTPOS system, called [[Interac|Interac Direct Payment]] (IDP). Since being introduced in 1994, IDP has become the most popular payment method in the country. Previously, debit cards have been in use for [[Automated bank machine|ABM]] usage since the late 1970s, with [[credit union]]s in Saskatchewan and Alberta introducing the first card-based, networked ATMs beginning in June 1977. Debit cards, which could be used anywhere a credit card was accepted, were first introduced in Canada by Saskatchewan Credit Unions in 1982.<ref name=":0">{{cite encyclopedia |url=http://esask.uregina.ca/entry/automated_teller_machines.html |title=Automated Teller Machines |first=Joe |last=Ralko |date=2012-03-26 |encyclopedia=Encyclopedia of Saskatchewan |publisher=Canadian Plains Research Center, [[University of Regina]] |access-date=2012-12-30 |archive-url=https://web.archive.org/web/20170929005248/https://esask.uregina.ca/entry/automated_teller_machines.html |archive-date=2017-09-29}}</ref> In the early 1990s, pilot projects were conducted among Canada's six largest banks to gauge security, accuracy and feasibility of the Interac system. Slowly in the later half of the 1990s, it was estimated that approximately 50% of retailers offered Interac as a source of payment. Retailers, many small transaction retailers like coffee shops, resisted offering IDP to promote faster service. In 2009, 99% of retailers offer IDP as an alternative payment form.

In Canada, the debit card is sometimes referred to as a "bank card". It is a client card issued by a bank that provides access to funds and other bank account transactions, such as transferring funds, checking balances, paying bills, etc., as well as point of purchase transactions connected on the [[Interac]] network. Since its national launch in 1994, Interac Direct Payment has become so widespread that, as of 2001, more transactions in Canada were completed using debit cards than cash.<ref>{{cite web |url=http://www.ic.gc.ca/eic/site/oca-bc.nsf/eng/ca02096.html |title=Consumers and Changing Retail Markets |date=20 July 2005 |publisher=Canada’s Office of Consumer Affairs (OCA) |access-date=7 September 2009 |archive-date=13 May 2010 |archive-url=https://web.archive.org/web/20100513003254/http://www.ic.gc.ca/eic/site/oca-bc.nsf/eng/ca02096.html |url-status=live }}</ref> This popularity may be partially attributable to two main factors: the convenience of not having to carry cash, and the availability of automated bank machines (ABMs) and direct payment merchants on the network. Debit cards may be considered similar to [[stored-value card]]s in that they represent a finite amount of money owed by the card issuer to the holder. They are different in that stored-value cards are generally anonymous and are only usable at the issuer, while debit cards are generally associated with an individual's bank account and can be used anywhere on the [[Interac]] network.

In Canada, the bank cards can be used at POS and ATMs. Interac Online has also been introduced in recent years allowing clients of most major Canadian banks to use their debit cards for [[online payment]] with certain merchants as well. Certain financial institutions also allow their clients to use their debit cards in the United States on the [[NYCE|NYCE network]].<ref>{{Cite web|url=https://www.interac.ca/en/consumers/products/interac-debit/cross-border/|title=Pay in the U.S. with your card {{!}} INTERAC Cross-Border Debit|website=Interac|access-date=2020-02-29|archive-date=2020-02-29|archive-url=https://web.archive.org/web/20200229200738/https://www.interac.ca/en/consumers/products/interac-debit/cross-border/|url-status=live}}</ref><ref>{{Cite web|url=http://www.nyce.net/en/consumers/canadian|title=Canadian debit cardholders can shop in the US|website=www.nyce.net|access-date=2020-02-29|archive-date=2020-02-29|archive-url=https://web.archive.org/web/20200229200746/https://www.nyce.net/en/consumers/canadian|url-status=live}}</ref> Several Canadian financial institutions that primarily offer VISA credit cards, including [[Canadian Imperial Bank of Commerce|CIBC]], [[Royal Bank of Canada|RBC]], [[Scotiabank]], and [[TD Canada Trust|TD]], also issue a [[Visa Debit]] card in addition to their Interac debit card, either through dual-network co-branded cards (CIBC, Scotia, and TD),<ref name="td-debit">{{cite web|url=http://www.tdcanadatrust.com/products-services/banking/electronic-banking/access-card/access-card.jsp|title=Your new TD Access Card|author=[[Toronto-Dominion Bank|The Toronto-Dominion Bank]]|access-date=2012-07-17|archive-date=2013-04-26|archive-url=https://web.archive.org/web/20130426202202/http://www.tdcanadatrust.com/products-services/banking/electronic-banking/access-card/access-card.jsp|url-status=live}}</ref><ref name="cibc-debit">{{cite web|url=https://www.cibc.com/ca/features/cibc-advantage-card.html|title=CIBC Advantage Debit Card|author=[[Canadian Imperial Bank of Commerce]]|access-date=2012-07-17|archive-date=2012-11-13|archive-url=https://web.archive.org/web/20121113034903/https://www.cibc.com/ca/features/cibc-advantage-card.html|url-status=live}}</ref><ref name="scotia-debit">{{cite web|url=http://www.scotiabank.com/ca/en/0,,7771,00.html|title=VISA Debit <nowiki>|</nowiki> Scotiabank|author=[[Scotiabank|The Bank of Nova Scotia]]|access-date=2018-03-07|archive-date=2018-03-08|archive-url=https://web.archive.org/web/20180308231540/http://www.scotiabank.com/ca/en/0,,7771,00.html|url-status=live}}</ref> or as a "virtual" card used alongside the customer's existing Interac debit card (RBC).<ref name="rbc-debit">{{cite web|url=http://www.rbcroyalbank.com/visa-debit/index.html|title=Introducing RBC Virtual Visa Debit|author=[[Royal Bank of Canada]]|access-date=2012-07-17|archive-date=2013-05-06|archive-url=https://web.archive.org/web/20130506131123/http://www.rbcroyalbank.com/visa-debit/index.html|url-status=live}}</ref> This allows for customer to use [[Interlink (interbank network)|Interlink]] for online, over-the-phone, and international transactions and [[Plus (interbank network)|Plus]] for international ATMs, since Interac isn't well supported in these situations.

====Consumer protection in Canada====
Consumers in Canada are protected under a voluntary code entered into by all providers of debit card services, The Canadian Code of Practice for Consumer Debit Card Services<ref>{{cite web |url=http://www.fcac-acfc.gc.ca/eng/industry/RefDocs/default.asp#dcc |title=FCAC - For the Industry - Reference Documents |publisher=Fcac-acfc.gc.ca |date=2011-05-17 |access-date=2012-12-30 |archive-date=2010-04-11 |archive-url=https://web.archive.org/web/20100411092430/http://www.fcac-acfc.gc.ca/eng/industry/RefDocs/default.asp#dcc |url-status=live }}</ref> (sometimes called the "Debit Card Code"). Adherence to the Code is overseen by the [[Financial Consumer Agency of Canada]] (FCAC), which investigates consumer complaints.

According to the FCAC website, revisions to the code that came into effect in 2005 put the onus on the financial institution to prove that a consumer was responsible for a disputed transaction, and also place a limit on the number of days that an account can be frozen during the financial institution's investigation of a transaction.