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Electronic Banking

Debit Payment

 

Image of a customer using Interac Direct Payment Take your Access Card Shopping!

With Debit Payment, you can take advantage of "cash-less shopping" for greater convenience and safety.

Using Debit Payment to make purchases is convenient because you don’t have to carry cash all the time.

You can use your enhanced TD Access Card or your TD Canada Trust Access Card to make debit purchases at department stores, gas stations, grocery stores, pharmacies, restaurants, clothing stores and more.

With Debit Payment, you can take advantage of "cash-less shopping" for greater convenience and safety.

You'll make fewer trips to the branch or ATM and all you need is your enhanced TD Access Card or your TD Canada Trust Access Card.

  • It's like having cash in your hand 24 hours a day.
  • Your money stays in your account, collecting interest, until you make a purchase.
  • It's easier than writing a cheque - no identification required - and costs less.
  • It makes it easier to balance your accounts, as you now have a record of every transaction you make.
  • Both Cards are widely accepted throughout Canada and the United States.

It's fast, easy, convenient, and safer too!

Interac Direct Payment

Both the enhanced TD Access Card and the TD Canada Trust Access Card can still be used to make debit purchases wherever Interac Debit is accepted in Canada. Just look for the Interac Debit Payment logo to pay for your purchases. Swipe or insert your card and enter your PIN, select your account and funds are transferred directly from your account to the retailer in real-time.

And you can continue to access your TD Canada Trust account(s) online through EasyWeb or over the phone through EasyLine with either Card.

Make payments in a flash

Make payments in a flash

With the enhanced TD Access Card, you can make contactless payments with your card thanks to Interac Flash. Interac Flash is an optional faster, more convenient way to pay securely for small purchases at participating merchants in Canada without entering your PIN. It's a great convenient way to quickly and easily pay for small, everyday purchases under $100 – directly from your TD Canada Trust account.

Travelling to the US with the TD Canada Trust Access Card?

With the TD Canada Trust Access Card you can use the NYCE network to make your Debit Purchases1. Your TD Canada Trust Access Card can be used wherever PIN debit is available. Prepare for your trip by visiting the NYCE website to find out if your favourite US retailers accept the TD Canada Trust Access Card.

Going abroad with the enhanced TD Access Card?

Since the enhanced TD Access Card is accepted internationally wherever Visa/Visa Debit is accepted, in over 200 countries and at millions of places worldwide, you can use it for nearly anything. So if you're travelling and need to make a purchase, look for the Visa symbol. The enhanced card reduces the need to carry travellers cheques or foreign currency. Payments come out of your TD Canada Trust account(s).

For more information about planning for trips abroad, visit our Foreign Currency Services website.

How do I get started?

If you need more information on using Interac Direct Payment or Debit Payment in the US, simply call 1-866-222-3456, or visit your nearest TD Canada Trust Branch. We'll connect your TD Canada Trust Access Card to your TD Canada Trust account(s).

Purchases in a foreign currency if your TD Access Card has a Visa Debit logo

If you make a purchase in a foreign currency with your TD Access Card, the foreign currency amount is converted to Canadian dollars at the exchange rate set by Visa International in effect on the date the transaction is posted to your account.

The amount withdrawn from your account will include a fee equal to 3.5% of the purchase amount after conversion to Canadian dollars.

For example: For a USD $10 purchase, where the rate set by Visa International is 1.3 (USD $1.00 costs CAD $1.30) Amount after conversion = USD $10 x 1.3 = CAD $13.00 Fee = CAD $13.00 x 3.5% = CAD $0.46 (rounded up from $0.455) Total withdrawal amount = CAD $13.00 + CAD $0.46 = CAD $13.46

3.5% of the Canadian dollar amount after conversion of the foreign currency amount at the rate set by Visa International