The earliest in the history of the certificate on movement of money concern to X – VI century BC when various grain crops and cattle were used as money. In 1949 one of visitors of restaurant who did not have cash for payment of invoice has begun plastic cards. Since 1995 dozen companies conduct calculations on the basis of anonymous or digital money.

Having acquired the capital on national success Interac® Direct, company Interac in the spring of 2005 has introduced on the Canadian market system of online payment Interac Online Payment (IOP). For the first time the Canadian consumers could pay the purchases through the Internet by means of a bank debit card. Having the solid reputation in the field of debit cards, Interac now offers consumers analog of more popular system card-present, a card assuming physical presence at the moment of purchase. IOP, as well as Interac Direct is safe, simple and convenient. During the period since October 2008 till August 2009 noted gain in 41 % has made it clear that this alternative payment system starts to get popularity at the Canadian consumers at purchases online.

The resulted supervision concerning the Canadian market testifies to growth of popularity of use of credit cards and realization of payments through IOP. The reasons consist as in more optimum control of the earned money, and in big amount of the online sellers using this payment system. Among them are Aldo Shoes®, Chapters®, La Senza® ? ???? Via Rail®.

Platform IOP is ideal system for the Canadian sellers for carrying out of transactions thanks to the profitability and possibility to carry out payments instantly. The system does not provide refusal of the holder of a plastic card of earlier made transaction, therefore all complete purchases are considered as cash sale. The worst that can occur is return of the sum of payment.
Let’s take into consideration following factors:

Interac is the most known brand in sphere of consumer financial transactions in Canada;
Granting of additional payment possibilities raises total amount of sales (expands market coverage);
There are the levels of population which are not wishing or not having possibility to issue a credit card (teenagers, recent immigrants, etc.);
There are the people reluctantly sharing with the online seller the financial information;
There are the consumers which are in arrears on a credit card (this market segment quickly grows);
It is finished cancellations of operations. Transactions in IOP are considered as cash sale;
Roguish transactions (the bank of the payer proves the identity and guarantees payment) are excluded;
Rates on operations with debit cards more low than rates on operations without physical presence of a credit card; and
75 % of Canadians prefer to use personal accumulation instead of to take the credit.

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