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Consumer FAQS

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Frequently asked questions

Reasons why a payment may not have been deposited


• The unique ID that was provided by the merchant was starting the transaction was not included in the message field of the e-transfer

• The unique ID included with the e-transfer is from a different transaction that you already sent in funds for

• The unique ID included with the e-transfer was mistyped – we recommend copy and pasting to avoid any typos

• You sent in an e-transfer without starting a transaction on the merchant’s site first

• You sent in a different amount than what you selected on the merchant’s site

• You started a transaction using Interac Online and not Interac e-Transfer – you must start a transaction using the Interac e-Transfer option

• Your e-transfer was received outside of the 24 hour time period from the start of the transaction and your transaction has now expired


Frequently Asked Questions


What is Interac® Online, and how does it work?
Interac® Online is a secure payment system for Canadian consumers. When selecting the Interac® Online option, a new browser window will open, directing you to your financial institution. You must be enrolled in online banking with your financial institution to use this option.
How to use Interac Online with Gigadat:
When on our merchant’s site, you will click on the Interac® Online option; after you select the amount of deposit, a new window will open, asking you to choose your financial institution. When you click on your financial institution, it will then take you to your online banking page. Once you log in to your online bank, it will ask you to select which bank account to make the payment. Once the payment has been confirmed, you will have the option to email or print the receipt and then click on the button to return to the merchant’s site.

What is Interac e-Transfer?
Interac e-Transfer® is a fast, secure, and convenient way to send money to anyone in Canada using online banking. The participating financial institution transfers the money using established and secure banking procedures. Transfers are almost instant but can take up to 30 minutes, depending on your bank or credit union.
How it works:
When you send money using Interac e-Transfer®, an email is sent to the recipient typically within 1 minute, though some notifications may take up to 30 minutes.The notification to your recipient includes instructions on how they can deposit the. If the recipient has set up auto-deposit, the funds will be automatically deposited to their designated account. Otherwise, they'll be provided with a link and directed to log into their financial institution's online banking service or app, answer the security question you created when sending the transfer, and then deposit the money into their account.
How to use Interac e-Transfer® with Gigadat:
When on our merchant’s site, you will click on the Interac e-Transfer® option, after you select the amount of deposit a new window will open that contains the information you will need to complete your e-transfer transaction. You will need to log in to your online bank and select the Interac e-Transfer® option and use the information provided in the new window, which will include the recipient name ( Gigadat ), the email address to send the e-transfer to, the amount you selected on the merchant’s site, and the unique ID that you must include in the message field of your e-transfer. If your financial institution is requesting a security question, you will also be provided the security answer to use. You must use the security answer that we have provided you; however, you can make the security question anything you like.

What is Request Money?
Request money is a feature of Interac e-Transfer® that allows you to request money from a business with an email address and a bank account at a participating Canadian financial institution. If your recipient accepts your request for money, you'll receive an email from Interac®, letting you know the funds have been deposited into your account.
How to use Request Money with Gigadat:
When on our merchant’s site, you will click on the Interac® Request Money option, after you select the amount of deposit a new window will open, asking you to confirm your email address and phone number. You will then receive an email or SMS message that states: INTERAC e-Transfer®: Gigadat Inc. sent you a request for money. You have the option to click on your financial institution or decline request. When you click on your financial institution it will then take you to your online banking page. Once you log in to your online bank, it will ask you to select which bank account to make the payment from. Once the payment has been confirmed, you will have the option to email or print the receipt and then click on the button to return to the merchant’s site.