Enabling INTERAC™ Bulk Payments with Chimoney’s Payment Infrastructure: A Developer’s Guide
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Enabling INTERAC™ Bulk Payments with Chimoney’s Payment Infrastructure: A Developer’s Guide

Phylis A

Canadian startups and developers are continuously on the lookout for streamlined, efficient payment systems that not only offer real-time solutions but also align with the digital transformation goals of modern businesses. Chimoney’s INTERAC™ e-Transfer Bulk Payments is the perfect solution for those aiming to simplify their payout processes, combining ease of use with the robustness required for large-scale transactions. This article dives deep into integrating Chimoney’s INTERAC™ e-Transfer payout endpoint, providing a hands-on guide complete with Node.js code examples.

The Appeal of Chimoney for Developers and Startups

Before we jump into the technicalities, let’s understand why Chimoney’s Interac bulk payouts stand out, particularly for developers and startups in Canada. Chimoney offers a versatile platform enabling businesses to automate and scale their payment operations without the complexities traditionally associated with financial transactions. For developers, the appeal lies in Chimoney’s straightforward API, which allows for seamless integration into existing systems, providing a frictionless path to expanding their application’s capabilities with minimal overhead.

Key Features of Chimoney’s Interac Payouts:

  • Bulk Payments: Automate payouts to multiple recipients simultaneously, saving time and operational costs.
  • Developer-Friendly API: Integrate Chimoney’s functionalities into your services with comprehensive documentation and support.
  • Multi-Currency Support: Conduct transactions from various currencies, with automatic FX conversion where necessary. For example, you send bulk payments from US Dollars directly to Canadian Interac users.

Implementing Chimoney’s INTERAC™ e-Transfer Bulk Payments (Javascript)

Let’s dive into how to integrate Chimoney’s Interac Bulk Payments into your Javascript application. The focus will be making a request to Chimoney's API to initiate INTERAC™ e-Transfer bulk payouts.

Step 1: Setting Up

First, ensure you have Node.js installed in your development environment. You’ll also need to install the axios package (or use fetch) for making HTTP requests, which can be done using npm:

npm install axios

Step 2: Make the INTERAC™ e-Transfer Bulk Payment API Request

Below is a simple Node.js script that demonstrates how to call the Chimoney INTERAC™ e-Transfer Bulk Payout endpoint. This script sends a bulk payout request.

const axios = require('axios');

const chimoneyApiKey = 'YOUR_CHIMONEY_API_KEY'; // Replace with your actual API key
const chimoneyBaseUrl = 'https://api.chimoney.io/v0.2/payouts/interac';

const payoutData = {
  debitCurrency: "CAD", // This can be USD, NGN or other supported currencies.
  interacs: [
      email: "user@mail.com",
      name: "Jane Doe",
      amount: 10,
      narration: "Monthly Rent Payment"
    // Add more recipients as needed

const sendPayouts = async () => {
  try {
    const response = await axios.post(chimoneyBaseUrl, payoutData, {
      headers: { 'Authorization': `Bearer ${chimoneyApiKey}` }
    console.log('Payout successful:', response.data);
  } catch (error) {
    console.error('Payout failed:', error.response ? error.response.data : error.message);


The Impact of Integrating INTERAC™ Bulk Payments

Incorporating Chimoney's Interac bulk API endpoint translates into direct operational efficiencies for developers, startups and Businesses. Not only does it streamline the payout process, but it also ensures a higher level of satisfaction among recipients due to the speed and reliability of transactions. Furthermore, leveraging such a solution allows businesses to focus more on their core offerings, leaving the complexities of financial transactions to Chimoney.

Why Developers and Startups Should Care

  • Time and Cost Efficiency: Reduce the operational load and costs associated with manual payout processes.
  • Scalability: Easily scale your payout capabilities as your business grows, without needing to overhaul your payment infrastructure.
  • Security and Compliance: Benefit from Chimoney's robust security measures and compliance with financial regulations, mitigating risks associated with financial transactions.
  • Multicurrency Support: Send Interac bulk payments from the US, UK or other Countries and reach Canadian users. Wether for reward payouts, paying out Class Actions via Interac Bulk Payouts or anything in-between, Chimoney has you covered.


In a time where efficiency and scalability are essential and when users demand instant access to their fund, Chimoney’s Interac Bulk Payments Infrastructure offers a promising solution for developers, startups and organizations looking to streamline their financial operations. By following the integration guide provided and leveraging the power of Chimoney’s API, businesses can scale to new levels of operational efficiency, allowing them to focus on what they do best—innovating and growing their core business.

INTERAC™ e-Transfer is Trademark of Interac Corp.

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