Moya MemberCard® debit card now offers Interac Flash® technology.
Contactless cards are the fast, safe and hassle-free way to pay. Now you can make purchases for under $100 with a simple tap.
Interac Flash® is a contactless solution that allows members to pay for everyday purchases quickly, securely and conveniently by tapping their card on any compatible payment terminal.
MemberCard® debit card is a great alternative to carrying cash and allows you to access your accounts 24/7 and across a worldwide network. Pay for your purchases at point-of-sale terminals, and withdraw funds from ATMs in Canada, the United States and around the world.
How does it work?
Look for the Interac Flash® symbol wherever you pay.
Hold your card in front of the terminal.
Wait for the beep and/or approved message and go.
One Time Spending Limit
A single transaction cannot exceed $250. If your purchase is above this limit, you will be prompted to insert your card and enter your PIN. There is a cumulative spending limit, and when the limit is reached, you will be asked to insert your card and enter your PIN. This limit is reset every time you enter your PIN.
You are not liable for losses from circumstances beyond your control using Interac Flash. Click here to view more information.
Configurable by Your Branch Team
Interac Flash is a safe and convenient optional feature that can be enabled or disabled any time. You can choose to use this feature, or you can insert/swipe your card and enter your PIN as you did before. If you would like, this function can be turned off on your card. Please call 416-255-1742 and speak with one of our Member Service Representatives.
Moya MemberCard® debit card and the Exchange Network® ATM
Members have access to THE EXCHANGE® and ACCULINK® Networks, a network of “ding-free”, full-service ATMs across the country. Some major banks, as well as several credit unions, participate in the same network, meaning you can use their ATMs at no additional cost.
- Withdraw cash (maximum of $500 per day)
- Deposit cash and cheques to your accounts at an Exchange Network® ATM
- Check your account balances
- Transfer cash between your accounts
- Balance inquiries
- PIN changes
Frequently Asked Questions
There are a few different ways you can get a contactless debit card. If you need a replacement right away, you can make in branch appointment. If you’re not in a rush, you can always order one through by calling 416-255-1724 and you’ll receive it in the mail in about a week.
Yes. For your protection there is a transaction limit of up to $250 per purchase made using Interac Flash®. If your purchase is above this limit, you will be prompted to insert your debit card and enter your PIN.
As an added layer of protection, there is also a cumulative spend limit for Interac Flash® transactions. This is the sum of all contactless transactions made with your card since the last time you entered your PIN. When this limit is reached, you will be asked to insert your MemberCard® debit card and enter your PIN. This will reset your limit so you can continue to use Interac Flash®.
The first time that you pay for a purchase with your MemberCard® debit card card using Interac Flash® you will be prompted to enter your PIN. This will start the counter at $0 for the $250 limit.
If the amount of your purchase exceeds the Interac Flash® transaction limit for that particular merchant, then you’ll be prompted by the payment terminal to insert your card and enter your PIN. You’ll also be asked to insert your card and enter your PIN once your cumulative spend limit is reached.
Yes! Interac Flash® uses secure chip processing to protect against skimming, counterfeiting and electronic pick-pocketing. Interac Flash® also uses RF (Radio Frequency) enabled smartcard technology, which is more secure than RFID (typically used for inventory management).
These features, along with the Flash® limits and the need to enter your PIN when the limits are reached make this a very secure solution. Additionally, transactions are covered by Interac Zero Liability Policy, which protects you against unauthorized activity on your accounts.
The great thing is you’ll have your choice! Interac Flash® is a safe and convenient optional feature that can be enabled or disabled any time. You can choose to use this feature, or you can insert/swipe your card, and enter your PIN as you did before.
Interac Flash® technology is only supported at participating Canadian debit card merchants. Outside Canada use your MemberCard® debit card to pay:
- In the US at merchants who participate in the Maestro network.
- Internationally at merchants who participate in the Maestro network.
Lost or stolen MemberCard®?
You have two methods to cancel your MemberCard if you suspect it has been compromised, lost, or stolen:
- During business hours, contact Moya Financial.
- After hours, contact Everlink support at 1-888-895-4897.
We recommend writing your MemberCard number down and keeping it in a safe place as you must provide it to disable your card.