No Card Needed

Meridian’s Mobile Pay turns your mobile phone into a debit card, so you can now pay using Interac Flash® on your Android* phone!

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How Does It Work?

Meridian Mobile Pay uses the NFC chip built right into your Android phone – the same technology that powers Interac Flash® cards.

It’s fast.

All it takes is a quick tap of your phone to the merchant’s Interac Flash® point-of-sale (POS) device and you'll be on your way.

Where can I use Meridian Mobile Pay?

The app can be used to pay at any merchant that accepts Interac Flash®.

It’s easy.

Download the latest version of the Meridian Mobile Banking App on your NFC-enabled Android phone, then activate your Meridian debit card on the app.

Is There a Limit?

For purchases over $100, you will be prompted to enter the passcode you selected when you set up your Mobile Pay.

It’s secure.

Feel confident and trust Mobile Pay thanks to our Member protection features such as passcode verification, transaction limits and zero customer liability.

Is there a fee?

There is no cost to using Meridian Mobile Pay. Mobile Pay is included with the Meridian Mobile Banking App as part of your Meridian Member account.

It’s cardless.

Mobile Pay makes it possible to enjoy the added convenience of making purchases without the need to reach for cash or pull out your debit card.


Does my phone support Mobile Pay?

Mobile Pay is currently only available on phones with Android 4.4 (KitKat) and higher.

Do I need network access to make a purchase?

The Meridian Mobile Banking App has everything you need to complete a purchase at a participating retailer or merchant, whether or not you have network access at that time. It will occasionally need network access to update, but it is not necessary at the point of purchase.

Is Mobile Pay secure?

Mobile Pay uses state-of-the-art encryption and tokenization. For even more security, you can set Mobile Pay to request your passcode for all purchases.

How do I get a refund?

Refunds are initiated by the merchant at their POS terminal. Refunds for Mobile Pay are done in the same way that they are done for any other transaction method.

Can I use my Meridian credit card with Mobile Pay?

Currently Mobile Pay is offered only with Meridian debit cards, allowing you to make everyday purchases directly from your Meridian account. We are working towards allowing Mobile Pay to support Meridian credit cards.

What is Interac Flash®?

Interac Flash® is a faster and more convenient way to pay securely for purchases at participating merchants in Canada using contactless payment technology. Interac Flash® capability is already available on many debit cards in Canada and now that functionality will be extended to Android smartphones.

Why isn’t this service being offered on Apple Pay**?

At this point in time, credit unions are not participating in Apple Pay. Meridian is, however, exploring the possibility of credit union participation in the future.

What do I do if I have further questions?

We are always happy to answer any questions you may have about Mobile Pay. We can be reached at our Contact Centre at 1-866-592-2226. We’re here to help.

About Meridian

Meridian is one of Canada’s largest credit unions, helping more than a quarter of a million people grow their lives and businesses. As a credit union, we are 100 percent owned by our Members. We work only for them, giving them exceptional service and our commitment to provide them with the very latest financial products.

Meridian Members also have access to a comprehensive online and mobile banking offering, an extensive network of more than 3,300 surcharge-free ABMs across Canada through THE EXCHANGE® Network and friendly professionals within our Branch and Contact Centre.

Branch Locator Call 1 866 592 2226
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