Interac Flash Limit Changes

With contactless payment options more important and convenient than ever, VantageOne Credit Union members now have access to higher Interac Flash transaction limits. With a quick and easy ‘set-up’ on your existing debit card, you can now tap and pay for purchases up to $250, with a cumulative total of $400.

*Some merchants may have set different contactless limits than up to $250 (per flash transaction)


How do I activate the new transaction limits on my current VantageOne debit card?

  • You must complete three consecutive contact point of sale (POS) transactions with your chip and PIN. They can be at the same merchant terminal or at different merchant terminals. (Important to note that ATM transactions do not count!). After those three transactions, your Interac Flash limits will be automatically increased.

What happens when I reach the cumulative total of $400?

  • After your cumulative (tap) limit of $400 is reached, you will be asked to insert your debit card and enter your PIN during your next transaction. By entering your PIN, your cumulative Interac Flash limit will be reset back to $0, and you can continue using tap for payments.

What if I don’t want to increase my Flash transaction limit more than my current limit of $100?

  • Unfortunately, we cannot adjust flash limits. However, we can reduce your daily point-of-sale and ATM limits. Please call our Solutions Centre team Toll Free at 1.888.339.8328 to request this change.

Is Interac Flash secure?

  • Technology – It leverages the secure chip technology and unique Interac Flash functionality to keep their data, and finances safe.
  • Limits – Interac Flash purchases are limited to $250 per time. Plus, users must enter the card’s PIN after $400 in Interac Flash purchases. This verifies the correct person has the card.
  • Zero liability – Members will not be liable for losses resulting from circumstances beyond their reasonable control when using Interac Debit, Interac Flash, cross-border debit and Interac Online service. This includes the losses resulting from technical errors, system problems or fraud.