Interac Debit Payment (IDP) accounts for the majority of plastic card payments under $60 in Canada. Due to the nature of debit cards, approval of businesses to accept Interac Debit cards is less stringent then credit cards. A small percentage of businesses accept only Interac Debit cards.
Interac Debit is a PIN based system that requires the card to be present and electronically swiped or inserted (chip). Because it is PIN based, Interac Debit cannot be accepted on Virtual Terminal or SmartPhone devices.