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What do the statuses used for Interac e-Transfer mean?

Interac e-Transfer Trasaction Status Descriptions

 

Send Money

Pending Statuses

Initiated

The money has been withdrawn from the sender's account, and the email notification to the recipient is being processed.

Sent

The email notification to the recipient has been sent, and the money is available to deposit.

Security Question Answered

The recipient has correctly answered the Security Question, but has not yet deposited the money to their bank account.

Autodeposit in Progress

The recipient has correctly answered the Security Question, but has not yet deposited the money to their bank account.

Invalid Email Address

The recipient's email address is either not valid, or the email notification was not delivered to the recipient for other reasons (e.g. the mailbox is full). The sender will receive an email notification with instructions to reclaim the money. The sender can reclaim the money, update the recipient's email address, and send another transfer.

Security Question Failed

The recipient didn't answer the Security Question correctly, so the sender will receive an email notification with instructions to reclaim the money. From there, the sender can choose to send a new transfer to the recipient using a new Security Question and Answer that the recipient will know.

Autodeposit Failed

The transfer to a recipient email address that's set up for Autodeposit has failed, which could be due to the recipient's bank account being either closed or invalid. The sender will receive an email notification with instructions to reclaim the money.

Declined

The recipient has declined the transfer, so the sender will receive an email notification with instructions to reclaim the money.

Expired

The recipient did not collect the money before the expiry date, so the sender will receive an email notification with instructions to reclaim the money. From there, the sender can choose to send another transfer to the recipient.

 

In rare situations where a recipient doesn't use online or mobile banking, they may elect to have INTERAC arrange for the funds to be deposited to their bank account. This arrangement is made between the recipient and INTERAC and will take 3 - 5 days to complete. The following statuses pertain to this "offline" transfer process.

Deposit Initiated

The recipient has requested INTERAC to facilitate the deposit of the money into their bank account using the INTERAC offline deposit process. This process will take 3 - 5 business days to complete.

Account is Invalid

The recipient is using the INTERAC offline deposit process, and has provided an invalid account. INTERAC will work with the recipient to correct the situation.

Account Corrected by Recipient

The recipient is using the INTERAC offline deposit process, and has corrected the invalid account situation. The process will take 3 - 5 business days to complete.

Deposit Failed

The offline deposit process to the recipient's account could not be completed. INTERAC has arranged for a cheque to be mailed to the recipient.

Processing Deposit

The offline deposit is being processed and will take 3 - 5 business days to complete.

 

Complete Statuses

Deposited

The recipient has successfully answered the Security Question and has deposited the money to their account.

Autodeposited

The recipient's email address is set up for Autodeposit and the money has being deposited to their account.

Request Deposited

The money, which was sent in response to a money request, has been deposit to the requestor's account.

Cancelled

The sender has cancelled the transfer and the money has been deposited back into their account. The recipient will be notified that the transfer has been cancelled and the money is no longer available for deposit.

Completed

The recipient requested the money to be deposited to their bank account using INTERAC's offline deposit process. The process takes 3 - 5 business days to complete.

 

 

Request Money

Pending Statuses

Initiated

The money request email notification to the recipient is being processed.

Sent

The money request email notification has been sent to the recipient.

Invalid Email Address

The recipient's email address is not valid/no longer valid or the email notification was not delivered for other reasons (e.g. the mailbox is full). The sender will receive an email notification informing them. The sender/requestor can use EasyWeb or the TD app to update the recipient's email address and resend the request.

Accepted

The request has been accepted/fulfilled by the recipient and a transfer is in the process of being sent back to the sender.

 

Complete Statuses

Deposit Received

The transfer was successfully deposited to the requestor's account.

Declined

The recipient declined the request. The requestor will receive an email notification from INTERAC.

Cancelled

The requestor cancelled the request. The recipient will receive an email informing them that the request has been cancelled.

Expired

The recipient did not accept or decline the request prior to the expiry date.

Deposit Failed

The transfer could not be deposited. Invalid or closed accountare two of the possibilities. The funds are returned to the respondor and the respondor will receive an email notification.

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