Incode and Interac Join Forces to Provide Superior Identity Verification in Canada

Canada is moving toward a digital-by-default economy. But that shift only works if businesses can genuinely trust who’s on the other side of the screen. Interac Corp., the network Canadians rely on to move money and verify identity, is consistently raising the bar on how that trust is established and maintained.

As part of that commitment to improving user outcomes, Interac recently partnered with Incode to bring advanced identity verification (IDV) and fraud defenses into Interac Verified™. The collaboration gives Interac exclusive Canadian rights to deliver document verification using Incode's technology.

As a result, Interac becomes the preferred domestic verification provider for Canadian businesses, with high-assurance identity checks now available at a more accessible price point.

The Technology Behind Interac Verified™ IDV

Incode's technology adds several layers of protection directly into Interac's existing document verification service:

1. Passive liveness detection: Validated at iBeta Level 3 on both iOS and Android with zero errors, the industry's highest certification standard. This confirms a real person is present during verification, without adding friction for legitimate users.
2. **Deepsight:** Incode's intelligence orchestration layer runs multiple detection tests in parallel to catch AI-generated images and video, virtual camera feeds, and device tampering, surfacing sophisticated impersonation attempts that older verification methods miss.
3. Fraud network intelligence: Participating organizations can opt in to share network-level risk signals, helping the whole ecosystem spot emerging fraud patterns earlier.
4. **Document verification:** Incode's AI-powered verification pipeline is integrated directly into the Interac document verification service, enhancing its existing ID capture and liveness capabilities.

Fraud has moved from stolen documents to fabricated identities. As generative AI makes synthetic faces, voices, and videos cheaper to produce, a verification system built only to check a document against a face is no longer enough. Systems must also detect the conditions under which a document was captured, not just the document itself.

Together, these capabilities support digital account openings, onboarding, credit applications, and other high-risk transactions where getting identity verification right matters most.

Built for How Canada Verifies Identity

Interac brings something few networks can: decades of experience operating at national scale. Interac connects nearly 300 financial institutions, and Canadians rely on Interac products tens of millions of times a day. That scale, paired with data residency that defaults to Canada, means this collaboration supports digital sovereignty while raising the bar on assurance.

“The goal is simple: build trust into digital interactions in Canada,” said Fatema Pirone, Head of Verification at Interac.

The enhancements to Interac's document verification service are designed to deliver higher assurance and faster outcomes in a cost-efficient way, giving Canadian businesses a practical path to approve legitimate customers faster while stopping bad actors earlier.

By combining identity verification with defenses against deepfakes, injection attacks, and other sophisticated impersonation techniques, the collaboration brings stronger assurance to more Canadian businesses without adding friction for legitimate users.

What This Means for Canadian Businesses

For organizations onboarding customers in Canada, this partnership means access to some of the most rigorously tested IDV technology available, delivered through a network they already trust and rely on daily. Fraud tactics like deepfakes and injection attacks are evolving quickly, and this collaboration gives Canadian businesses a way to stay ahead of them without slowing down legitimate customers.

The new capabilities will roll out in phases, with a full launch planned for late 2026.

Ready to learn more about Incode's approach to deepfake detection and fraud prevention, or explore how Incode's document verification technology powers secure onboarding at scale? Request a demo.