Interac Flash
With Interac Flash you can make smaller, everyday purchases up to $250 without having to insert your card and enter your PIN. Simply tap your card at a point-of-sale machine that supports Interac Flash – it’s quick and secure. Contact your Coach today to upgrade your LibroCard to Interac Flash. It’s free!
Use it like a Mastercard
LibroCard Debit Mastercards® have both the benefits of Interac ® and Mastercard. Not only does this make purchasing easier than ever before, the funds are taken directly from your Libro account. You can make reservations for hotels, pay for car rentals, shop online with all international merchants and pay for streaming services! Check out the online list of Canadian merchants that accept Debit Mastercard.
Shop online confidently and securely with 3D Secure, an authentication tool that validates online transactions and verifies your identity. This additional layer of security gives you more control over what is processed on your Libro Debit Mastercard. Merchants can opt-in or opt-out of this feature, so you won’t be prompted for every online purchase.
Authorize online purchases with these easy steps:
- Start the checkout process once you have filled your online cart.
- Enter your Libro Debit Mastercard payment details on the checkout page.
- With participating merchants, you’ll be prompted to receive a one-time password by mobile phone or email. If you choose to authenticate via email, your password will come from no-reply@everlink.com. Rest assured that they are trustworthy and secure.
- Enter your one-time password into the online purchase screen.
- Your purchase is now authorized!
Add it to Your Mobile Wallet
Pay with ease digitally, on the go or virtually, by adding your LibroCard to your mobile wallet. For Apple devices, bring your card to Apple Pay® straight from the Libro Mobile Banking app, or your Apple Wallet.
Got an Android device? Bring your card to Google Pay™ through your Google Wallet.
Frequently Asked Questions
Is Interac Flash secure?
Interac has a zero liability policy for cardholders: victims of fraud are reimbursed for unauthorized transactions. There is an extra layer of security with spending limits. No single transaction can exceed $250 and the consecutive contactless transactions cannot exceed $500. Once the $500 limit has been reached, a PINned transaction is required which will reset the limits. More than 10 million debit transactions are processed in Canada every day, and more than four billion take place a year without incident.
How can I protect myself?
Prevent others from using or accessing your card, by keeping it secure and within control at all times. Always protect your PIN; cover the terminal when entering your number, and never disclose it to anyone. Make sure your PIN cannot be easily figured out. Don’t use your birth date, address or part of your telephone number. Monitor your account and immediately report any suspicious activity. Immediately report your card if it becomes lost or stolen.
What about fraud?
- E-Pickpocketing claims that devices can be adapted to remotely scan the data from contactless bank cards. This is a myth. For every transaction, the card must be held four centimetres away from the terminal which makes stealing your card information quite difficult. Even if someone got your card number, they are not able to do anything with it. Card numbers are identifiers, not account numbers so it can’t be used to access your bank account.
- When making a contactless transaction there is no information changing hands that would be useful to criminals. Even if there was, the $400 limit is of minimal interest to crooks. Criminals today want to do large- scale fraud.
- The fewer transactions we process with a PIN, the less chance we have of being affected by fraud or skimming.
Can I turn off the 3D Secure feature?
No. Neither Owners nor Libro staff can turn off this added layer of security. It exists to protect both Owners and Libro from experiencing fraudulent transactions and associated losses.
What if the mobile phone and/or email address displayed on the 3D Secure one-time password screen are incorrect?
You can update your contact details in Libro’s online banking or mobile banking app, or by contacting your branch or Libro Connect.
What if a fraudster knows my mobile phone number and/or email address?
Even if a fraudster knows your mobile phone number and/or email address, they also need to have access to either your mobile phone or be able to log into your email account to view the 3D Secure one-time password when it’s sent.
Round Up
Savings made simple! Round up your debit card purchases to the nearest dollar, a specified percentage, or a specific dollar amount every time you use your LibroCard. This amount is then transferred directly into a savings account of your choice. Contact your Coach to get started.
Have a lost or stolen debit card?
During business hours: Call the Contact Centre at 1-800-361-8222 or visit your nearest branch.
After branch hours: Owners must call Everlink at 1-888-277-1043. This number is available 24 hours day, 7 days a week.
**To learn which Apple devices are compatible with Apple Pay visit Apple’s website. Apple, Apple Pay, Apple Wallet, iPhone, and Mac, are trademarks of Apple Inc.
Google Pay is trademark of Google LLC.