Mobile Pay: Fast. Easy. Secure.

Universal Contactless Card SymbolSteinbach Credit Union is proud to be the first Manitoba credit union to introduce Mobile Pay for our members! Now you can use your Android phone (OS 4.4 or higher) to pay for everyday purchases. Mobile Pay uses Interac® Flash technology — the same technology that’s in your debit card — to harness the power of your card without ever opening your wallet.

Don’t have the SCU Mobile Banking App? Click Here to learn more.

®Interac, the Interac logo and Interac Flash are trademarks of Interac, Inc. Used under license.

What is Mobile Pay?

What is Mobile Pay?

Mobile Pay is a new method of paying for purchases using an Android device that has NFC (Near Field Communication) technology, SCU's Mobile Banking app, and Interac® Flash. This service allows your device to be used like a virtual debit card in a point-of-sale (POS) transaction. The expected behaviour is that Mobile Pay will function the same as SCU's Everlink Flash cards.

How do I know if a terminal accepts Mobile Pay?

You will know that a terminal is capable of accepting Mobile Pay if it shows the Interac Flash symbol. For Mobile Pay, you will also need to ensure that the reader has the correct software to accept Interac Flash. Terminals that accept our Everlink Flash card will also accept Mobile Pay.

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 credit union debit cards in Canada and now that functionality will be extended to Android devices.

Is Mobile Pay secure?

Mobile Pay builds on the security of Interac Flash contactless chip debit technology, using state-of-the-art encryption and tokenization. Mobile Pay also offers strong consumer protections such as transaction limits and Passcode verification. A Passcode is required for all purchases over $100, and from time to time to validate your identity. For even more security, you may choose to require a Passcode for all purchases – this option is available in your (Mobile Banking App) Settings.

Setting Up Mobile Pay

Does my device / phone support Mobile Pay?

You will need to have the latest version of SCU Mobile banking app active on your device. If you download the App to an eligible device, Mobile Pay will appear as a menu option directly within the application.

Android devices with OS 4.4 and above and equipped with NFC technology, are eligible for Mobile Pay. Major Android handsets such as Samsung Galaxy S4 / S5 / S6 / Note / Edge, Google Nexus 5 / 6 / 7 / 9, Motorola Moto / RAZR, LG G2/G3/G4 and HTC One are just a few of the devices that are eligible for Mobile Pay. At this time, only Android devices are eligible to use the Mobile Pay feature.

Is Mobile Pay a separate app from the SCU Mobile Banking app that needs to be downloaded?

Mobile Pay is integrated directly into SCU’s Mobile Banking app. It will appear automatically on eligible devices when you sign up to use it. There is no need to download a new app. And you can sign up for Mobile Pay directly on the SCU Mobile Banking app on your Android device.

Why (and how) do I select a Passcode?

When activating Mobile Pay, you will be asked to select a Passcode. This (4-12) digit numeric code will be used to complete larger purchases (over $100), or any spending greater than $200 within a day and from time to time to verify your identity and protect your account.

What are the Terms & Conditions of Mobile Pay?

The Mobile Pay service is governed in accordance with the terms and conditions of the Debit Card / Personal Information Number / Mobile Payment Service Agreement, which is available at

Can I set up more than one card with Mobile Pay?

At present, you can have two cards made available with Mobile Pay. Card status must be active or issued.

Paying with Mobile Pay

Where can I use the Mobile Pay service?

Mobile Pay can be used at any Canadian retailer that accepts Interac® Flash. It is accepted by thousands of merchants at locations across Canada. For a complete list of merchants please visit

Mobile Pay can be used at any merchant location in Canada that accepts Interac Flash. At this point, Interac Flash is not available outside of Canada.

How do I use Mobile Pay?

While purchasing goods or services, the retailer’s POS terminal will prompt for payment, as it does today for Everlink Flash card transactions. Instead of inserting or tapping your card, simply open Mobile Pay to the “Pay Now” screen, and hold your device in close proximity to the reader to complete your purchase. Your device will need to be powered and unlocked to use Mobile Pay. The “sweet spot” is the middle of the merchant terminal screen and with the back of the device facing the terminal.

How do I know when a purchase is complete?

Your device will confirm for you that a purchase request has been successfully made. The POS terminal will communicate whether the transaction has been successfully approved.

Is there a fee associated with using Mobile Pay? Is there a cost per transaction or overall fee?

The fees associated with Mobile Pay are the same as regular debit transactions and vary depending upon the package you use. Each mobile payment will count as an additional transaction, if you currently pay transaction fees within your account.

Security & Troubleshooting

Are there other reasons why my Android would be excluded from Mobile Pay?

Android devices that have been rooted or otherwise tampered with are also not eligible for Mobile Pay. The device must support android.hardware.nfc.hce (which may not be the case for a small number of Android 4.4 devices).

Will the protective case on my Android interfere with making purchases?

Mobile Pay transactions use a signal from within the device to interact with the POS terminal and complete the purchase. The Mobile Pay signal is a magnetic field created by a small antenna – and interacts with a similar antenna on the POS reader. Depending on the thickness and material of the devices protective case, there could be interference resulting in inconsistent usage.

By re-positioning the device on the terminal, and waiting up to a few seconds for the devices to communicate with one another, you should be able to successfully complete a purchase. For some thicker protective cases, you may need to remove the case to complete a purchase.