Business challenge

To bring a new digital payment offering to market, Interac Association and Acxsys Corporation needed powerful cloud infrastructure designed to accommodate unpredictable workloads and support compliance with industry regulations.


Interac teamed with IBM to deploy a powerful hybrid cloud hosting solution, engaging IBM Cloud Services to provide managed services for the environment.


Supports compliance

with regulatory requirements for banking and other financial customers

Easily scales

to cost-effectively support the Interac offering’s fluctuating workloads

Offers a competitive edge

by providing technology and expertise to keep up with a rapidly changing industry

Business challenge story

Bringing new digital payment capabilities to market

Interac created the Interac Token Service Provider (TSP), a proprietary token generation and management platform, to help financial institutions and other organizations deliver security-rich digital payment experiences. By replacing customer data with digital tokens during payment transactions, the TSP platform protects sensitive consumer information from third parties, mitigating theft and fraud.

To bring the TSP platform and associated mobile wallet solutions to market, including Interac Debit with Apple Pay, Interac needed a powerful cloud hosting infrastructure designed to accommodate unpredictable, data-intensive workloads. Additionally, the company wanted to team with an IT leader offering managed services for the hosting environment.

“With the number of transactions we’ll be processing, there’s going to be a need for us to scale exponentially,” says Kashmera Self, mobile product platform director for Interac. “That challenge is coupled with the regulatory restraints we have to deal with in the payments space.”

We are well-positioned in our partnership with IBM to stay on the cutting edge.

Kashmera Self, Mobile Product Platform Director, Interac Association and Acxsys Corporation

Transformation story

Deploying powerful hybrid IBM Cloud infrastructure

Evaluating leading cloud providers, Interac determined that by teaming with IBM, it could easily select hosting resources, establish remote infrastructure management and address regulatory demands. “Other solutions don’t have the enterprise-level services we needed for compliance as a payments company,” says Self. “IBM offers services to support compliance with ISO [International Organization for Standardization], SOX [Sarbanes-Oxley Act] and PCI [Payment Card Industry] regulations, and that’s something our banking customers need from us.”

Required to host data for its financial customers within Canada, Interac deployed infrastructure in IBM Cloud data centers in Toronto and Montreal. The business combines bare metal and virtual resources in a powerful hybrid hosting environment, engaging IBM Cloud Services to provide managed services for the platform.

Results story

Launching rapidly and scaling on demand

With guidance, support and a dedicated team of managed services resources from IBM, Interac rapidly launched its TSP platform. “IBM allowed us to get to market quickly,” says Self. “Other players in this space have taken significantly greater amounts of time to bring their services to market.”

The IBM Cloud hosting infrastructure offers the scalability Interac needs to easily and cost-effectively support fluctuating workloads. “Instead of investing in infrastructure, IBM Cloud allows us to scale on demand to accommodate peak loads,” says Self.

Teaming with IBM provides Interac with technology and expertise to keep up with a rapidly changing and highly competitive industry. With its cloud-based hosting infrastructure, Interac is well-positioned to deliver the security-rich digital functionality customers demand, including in-app, in-browser, conversational commerce, Internet of Things (IoT), cognitive and virtual reality capabilities.

“There’s a rapid acceleration of innovation in the digital payments space, and we are well-positioned in our partnership with IBM to stay on the cutting edge,” says Self. “We’re pleased with the growth of our tokenized digital products, including Interac Debit with Apple Pay, and look forward to bringing new secure, scalable technologies to market.”

About Interac Association and Acxsys Corporation

Interac Association and Acxsys Corporation operates an economical, world-class debit payments system known for reliability, security and robust protection against fraud. Processing more than 5 billion debit transactions annually, the organization is Canada’s leading payments brand. In operation for more than 30 years, Interac offers a broad portfolio of innovative and convenient digital debit and money transfer solutions.

Solution components

  • IBM Bluemix
  • IBM Cloud Bare Metal Servers
  • IBM Services for Managed Applications

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