Fintech
Payment Integration

Interac Payment Integration for Canadian Market Expansion

Fast, compliant, and built to scale across borders
Project Overview

About the Client

The client is a UK-based fintech company focused on digital payments and fund management. To grow their global footprint, they planned to enter the Canadian market — but lacked in-house bandwidth and local payment integration expertise. Without quick Interac connectivity, their expansion timeline was at risk.

Digital Payments & Fund Management SaaS

Based in London, UK

Meeting Expansion Goals with Targeted Fintech Integration

To support their Canadian market entry, the client needed a fast, low-risk way to integrate Interac payment features. Their internal team was already at capacity, and the local banking protocols differed significantly from their existing systems. Inspirit stepped in to provide both speed and technical depth — beginning with a business analysis to map exact requirements, constraints, and expected transaction flows.

We formalized a detailed project scope, delivery plan, and cost structure through a Statement of Work (SOW). Based on this foundation, we engineered a modular Java microservice that seamlessly plugged into their current architecture. The integration covered both “request money” and “send money” functionality — fully aligned with ISO 20022 standards and built for long-term maintainability.

Challenges that shaped the integration strategy

Tight Expansion Timeline

The client needed the integration completed within weeks to meet Canadian market launch plans — with no room for delays.

Tight Expansion Timeline

The client needed the integration completed within weeks to meet Canadian market launch plans — with no room for delays.

New Standards, Unfamiliar Territory

Interac and ISO 20022 standards required domain-specific implementation knowledge that the client’s team didn’t yet have.

Seamless System Compatibility

The new functionality had to integrate cleanly into the existing system without disrupting existing workflows or overcomplicating maintenance.

Building a Seamless Interac Integration with Java Microservices

With clear priorities in place, our team focused on delivering a lightweight, high-performance Java microservice tailored for Interac’s "request money" and "send money" APIs. We used the Spring framework to ensure modularity, maintainability, and smooth integration with the client’s existing systems.

To meet Canadian banking standards, we implemented ISO 20022 messaging formats and established clean transaction management layers. Unit testing was conducted using JUnit, ensuring reliability and preventing regressions. Just as important, we supported the client's in-house developers by providing technical documentation and training sessions — empowering them to confidently manage and expand the integration in-house after delivery.

Interac Transaction Status Flow

The Process

Development and Implementation Steps

Java Microservice Architecture

Built a dedicated microservice using Spring to manage Interac payment flows with modular, scalable logic.

Interac API Integration

Implemented “send money” and “request money” features aligned with Interac’s specifications and Canadian compliance standards.

ISO 20022 Message Handling

Used ISO 20022 formats to ensure compatibility with Canadian banks and consistent transaction processing.

Transaction Management Layer

Added monitoring and control features to manage payment flows and ensure error visibility.

Fast Unit Testing

Covered core logic with JUnit-based unit tests to ensure code reliability and simplify future upgrades.

Developer Enablement

Delivered complete technical documentation and ran training sessions for the client’s internal team.

Results & Impact

Launch in Just 20 Days

Delivered a fully working Interac integration within 3 weeks — meeting the client’s aggressive go-to-market timeline.

Successful Market Entry

Enabled seamless Canadian payment processing through Interac, unlocking a key revenue channel for cross-border expansion.

Minimal Internal Disruption

Handled the full integration independently, allowing the client’s team to stay focused on core priorities.

Easy-to-Maintain Architecture

The modular Java microservice can now be extended or modified without deep system rework — built for long-term agility.

Internal Team Fully Onboarded

Knowledge transfer, training, and documentation empowered the client’s developers to own and evolve the feature.

Zero Post-Launch Issues

Bug-free delivery and robust testing meant no service interruptions — the platform went live without incident.

Conclusion

By partnering with Inspirit, the client accelerated their expansion into the Canadian market without sacrificing quality or timeline. We delivered a production-ready Interac payment integration in just 20 days, using Java microservices, ISO 20022 compliance, and clean architecture design. Our team not only ensured seamless technical execution, but also equipped the client’s developers to manage and extend the integration confidently. This successful collaboration led to continued partnership and paved the way for future fintech growth initiatives.

Tools & Technologies

Java
Spring Boot
JUnit
Java
Spring Boot
JUnit
Java
Spring Boot
JUnit