Gigadat or Payper – Which Interac Casino Payment Method Is Better?

When it comes to choosing Interac casino payments in Canada, not all deposit methods are created equal. Case in point: Stake.ca, which offers two different implementations of the popular e-transfer service—one by the name of Gigadat, and another known as Payper. According to player reports on Reddit, CasinoMeister, and other forums, these two services produce wildly different user experiences. There are a good number of threads, for example, about delayed Gigadat withdrawals, issues with deposits, and if you check their Trustpilot page, the reviews are alarmingly low.

Payper, on the other hand, is a much smaller company and hasn’t yet reached the volume to attract the same number of reviews—positive or negative. But here’s the kicker: there’s more than meets the eye when it comes to user feedback. Both brands, while different in scale and reputation, are legitimate fintech companies operating within the Interac ecosystem.

In this article, we’ll compare Gigadat and Payper directly, explore their pros and cons, and shed light on why many Canadian players are now turning to a newer, faster option by the name of Loonio. Loonio.ca is a modern e-transfer solution currently available at Betway and a select number of iGaming brands.

Best Interac Casinos in Canada (2025 Edition)

If you’re ready to try Interac for real-money play, on this page you will find some of the best Interac casinos currently available to Canadian players. These brands all support Interac e-Transfer, offering quick withdrawals. They also typically allow deposits from major Canadian banks.

The 7 Best Interac Casinos for Canadian Players

When it comes to choosing the perfect Interac casino, you want to make sure your brand of choice offers a few key guarantees. At the very least, they should provide a secure payment method, fast Interac deposits, and attractive casino bonuses. The brands below offer various Interac-based deposit options via competing fintech providers, as well as free spins to enhance your gaming experience.

How we rank: We only list Interac casino sites that are licensed, trustworthy, and compatible with Canadian bank accounts. You’ll find a mix of long-standing names and newer platforms — all tested and confirmed to accept Interac deposits.

🔍 Tip: If you’re after fast withdrawals and easy mobile use, Loonio casinos like Betway are tough to beat. These top Interac casinos are also perfect for those who want to enjoy their favourite casino games with the convenience of Interac online transactions.

The Many Faces of Interac at Online Casinos

To many players in Canada, Interac is simply the brand they’ve come to know and use for most of their lives. According to research, 88% of Canadians use the e-Transfer service. They see the Interac logo in the casino cashier’s screen and don’t think twice about it. It’s that simple, right ?

Not quite.

Behind the scenes, different payment processors are handling the transaction — and that’s where things can vary dramatically. You can’t immediately tell because every option is masked by the generic Interac icon – players typically click the first one, but don’t know which implementation that is.

To know what goes down behind the scenes, you need to click an Interac icon and start the deposit process. You can then back-track if it’s not the one you wanted.

Players should know that the two most common processors used by Canadian online casinos are Gigadat and Payper. While both act as intermediaries for Interac e-Transfers, the user experience can differ depending on which one the casino uses — or which one you’re randomly assigned during a transaction.

In the case of Stake for example, players have noticed the site seemingly switching back and forth between Gigadat and Payper, sometimes randomly, and sometimes based on deposit or cashout amount.

Some players may not even realize which processor they’re interacting with until something goes wrong: delayed withdrawals, bank blocks. Or sometimes, mystery company sender names on their statements.

In general, the biggest complaints wielded against these two providers are slow withdrawals for Gigadat and low withdrawal limits for Payper.

Recently, a newer solution has emerged: Loonio, which is a modern Interac gateway designed specifically for Canadian iGaming. It’s already being used by Betway, and early reports suggest it’s faster, clearer, and much more user-friendly than older options like Gigadat or Payper.

Case Study: Stake Uses Both Gigadat and Payper

Stake.ca is one of the more high-profile online casinos in Canada offering Interac e-Transfers. What I personally find interesting is how it implements them. I mean, while most brands stick to one processor, Stake routes Interac payments through either Gigadat or Payper, depending on factors like deposit amount, timing, and load balancing across providers.

This seemingly minor detail actually has a huge impact on the user experience.

How Banks View Gigadat vs. Payper

• Gigadat is the bigger name. It’s widely used across Canadian online casinos and is instantly recognizable in gambling circles. However, that recognition is a double-edged sword. Some Canadian banks have flagged Gigadat transactions specifically because it’s strongly associated with online gambling. One Reddit user even noted that their bank Googled the name, saw the word “scam” in the first search result, and declined the payment outright. Add to that the volume of public complaints about delayed withdrawals, and Gigadat’s brand power starts to feel like a liability in some cases.
• Payper, by contrast, is less known—and that can actually work in its favour. While fewer users report on Payper simply because it’s a smaller operation, the general sentiment so far (on Reddit and other forums) is that banks are more lenient with it. Because it’s not yet tied so closely to gambling in the public sphere, Payper transactions often fly under the radar of automated fraud filters or gambling-related restrictions.

⚠️ The Broader Pattern

Stake isn’t doing anything unusual here—it’s simply reflective of how most Interac casinos operate. These processors are third-party fintech providers working behind the scenes. The casino itself has limited control once the funds are handed off, which is why:

• Customer support delays often stem from having to liaise with the processor.
• Transaction names on your bank statement vary (and confuse players).
• Processing times fluctuate wildly, even at the same casino.

What Stake illustrates perfectly is a core issue in the Interac ecosystem for gaming: the player has in some cases no control over the processor being used.

And that’s what makes solutions like Loonio so compelling—more transparency, better branding, and fewer surprises.

Payper vs. Gigadat: Comparison for Canadian Players (on Stake)

🧠 Additional Notes:

High Roller Tip:
Players on Stake can request their VIP host to switch them to Gigadat for higher limits. At Level 3, monthly withdrawal limits can reach $500,000, while lower tiers can access up to $100,000+.

Payper Advantage:
While lower in limits, Payper offers faster payouts, weekend processing, and generally less scrutiny from Canadian banks—making it a top choice for smaller, more frequent withdrawals.

A note on Typical Bank-Level Interac Transfer Limits :

This is what we can expect when banking with a Canadian institution, in terms of e-transfer limits:

• 24-hour: $10,000
• 7-day: $20,000
• 30-day: $50,000
• Max per transaction: ~$3000 (more about this below)

How to Increase your Bank’s e-Transfer Limit

If you’ve hit a wall with your Interac deposit limit (namely $3000 for one-time), you’re not alone. The good news is that most Canadian banks allow you to request a temporary or permanent increase—you just need to know how to ask.

✅ Contact Your Bank Directly

Start by calling your bank’s customer service or visiting a local branch. Explain that you need a higher e-Transfer limit, often for larger payments or recurring transactions.Here’s how a few major banks handle it:

• RBC – You can make temporary changes through online banking or request a permanent increase by speaking with an advisor. Read our RBC specific page here.
• TD Bank – Temporary limit increases are often approved instantly over the phone.
• Scotiabank – Limits can be raised by contacting customer support directly. Read our Scotiabank specific page here.

⚙️ Understand What Affects Your Limit

At many banks, your e-Transfer limit is tied to your debit card’s daily transaction or withdrawal cap. In some cases, raising your debit card limit will also bump up your e-Transfer ceiling automatically.

🏦 Account Type Matters

Your banking tier can also make a difference:

• Business accounts usually have the highest limits (e.g., up to $25,000 per transaction at RBC or CIBC).
• Premium personal accounts or long-standing customers may qualify for custom limit increases.

💡 What If Your Bank Can’t Help?

If your bank can’t or won’t raise your limit, here are a few workarounds:

• Split your payment into multiple transactions across several days.
• Consider using a wire transfer or an eCheck for one-time high-value deposits.
• Use a non-fiat alernative: Stake.com does not have a minimum or maximum deposit limit for any cryptocurrency

Gigadat vs Payper: Quality of Life Changes

When comparing payment processors, it’s not just about how fast the money moves or how high the limits go — the user experience matters, too. Recently, Gigadat announced a series of quality-of-life (QoL) updates. That’s always very welcome for users, and for players in particular. Personally, we haven’t seen similar UX improvements from Payper Inc. as of late. Gigadat’s new features are basically aimed at making the payment journey smoother for users. Transparency is another key feature. On their LinkedIn page, they refer to it simply as “Our New Customer Journey.”

According to Gigadat’s LinkedIn update in January of 2025, improvements include: dynamic bank selection, auto-complete search, and a simplified interface. We will get into details below:

Gigadat’s New Customer Journey:

Source: Gigadat via LinkedIn. Screenshot from Gigadat’s LinkedIn video (2025)

1) Dynamic Bank Selection

They inpired their design from Open Banking implementations. What’s most notable is the new seach bar, and the auto-complete function which is very nice and handy. In contrast Payper Inc users need to quickly scan the different bank logos to find their own, or alternatively use the drop downs and look through text fields. Gigadat has also now added filters to narrow down your search. In our opinion, Gigadat is the clear winner here in terms of both UI and UX.

2) Dynamic Selection of Method

Here this means the interface evolves depending on your selection. If you select “Pay by Bank – Interac e-transfer request money” the fields presented to the user will be different than those shown for e-transfer. This is common sense but helps make easier decisions for users and also less errors. Again, this is a small step up from competitors.

3) Identifying End Users Globally

Gigadat can now identify end users globally regardless of where their last transaction took place. This is a standout feature that we haven’t see on Payper or any alternatives in 2025.

Final Verdict: Gigadat vs. Payper

Gigadat and Payper are specialized payment processors, and they both have their own merits. For one, they both offer advanced features compared to the vanilla form of Interac used in Canadian online casinos. Presently, both processors can process payments efficiently, but they cater to different types of players who have different needs.

Gigadat is a payment processor that mostly helps high-roller players who need big money transfers. Today, Gigadat can handle many high-limit transactions per user per month, with a huge cap of up to $500,000/month in withdrawals at the higher player tier levels — Platinum 3 and higher (on Stake). They are not the fastest, however (at least 3 days typically), but they plug into the highest number of Canadian banks, and they are trusted by major casino operators too. As we’ve seen, Gigadat has also made some subtle UX improvements as of late, like smart bank search and cleaner transaction flows. This helps smooth out the player experience and is highly welcome.

Payper focuses on smaller, but quicker and easier transfers that are highly beneficial for average players (those not in the high-roller or whale category). They have their own set of proprietary features, which includes weekend processing. Their overall system is efficient and optimized for small transfers, especially under $10K. Also, players benefit because it takes much less time than Gigadat to complete e-transfer withdrawals. That said, we haven’t seen the same kind of platform updates or interface upgrades from Payper just yet.

Gigadat’s support, according to many players, is quite slow because they handle large volumes — which only proves how important proper communication really is. Payper tends to offer clearer, more accessible communication channels for individual users, and that’s a big plus for most average players (unless you are a high-roller with dedicated agent to help with deposit issues).

Bottom line: Both processors work, but they’re far from interchangeable. If you want big limits and don’t mind waiting, go with Gigadat. If you’re after quick, low-hassle withdrawals, Payper’s the better option. It really comes down to how you play — and what matters most to you.

Why We Recommend Loonio Instead

Loonio is an advanced payment gateway that offers enhanced reliability — especially when compared to the traditional Interac implementations you might find at typical online casinos. As of now, Loonio can handle most payment tasks with great efficiency. For example, just like Gigadat, it can process large-value transactions — except it’s much faster on withdrawals. In that sense, it seems to offer the best of both worlds when compared to Gigadat and Payper specifically.

With the help of its proprietary technology, users can easily complete tasks like instant deposits, quick withdrawals, and secure payments at popular casinos like Betway and Jackpot City, both of which allow deposits of up to $10,000 via Loonio (or more, if requested through the casino and your bank). WinMaker supports Loonio deposits of up to $4,000 — a nice step up from the usual $3,000 limit.

Some of the common features they include are:

🔄 Payouts that work faster than Gigadat system
🏦 Complete integration with banks in Canada
🧾 Clear company name that shows Loonio branding
🔐 Proper licensing and trust with no hidden surprises during payment

Additionally, Loonio operates in diverse verticals for example shopping, and insurance, so the name has not become associated with gambling like Gigadat. This ensures less scrutinty from banks.

This system was built specifically for Canadian casino players. It started by focusing on Interac and eCommerce, but now handles transactions incredibly efficiently across the board. According to many in the space, Loonio represents a meaningful step forward for online casino payments in Canada — and it shows.

About Interac’s Role in Canadian Online Casinos

Interac has become a staple in the Canadian online gambling scene. There is no question most iGamers have used it at one point or another. It’s raison-d’etre is offering a secure and efficient way to handle deposits. However they didn’t start with iGaming.

Established in 1984 as a national debit card system, Interac expanded its services with Interac Online and Interac e-Transfer first. This allowed Canadians to make instant deposits directly from their bank accounts to their merchant of choice. Only much later did they become a processor of casino deposits. Not directly, but by licensing their brand and network infrastructure to fintech companies like Gigadat.

The modern and widespread adoption of Interac by online casinos can be attributed to many things. But Gigadat’s true killer app is its robust security. Players feel safe playing and knowing their banking details remain protected.

Regarding Interac’s Limitations: Is Cryptocurrency the Solution?

While Interac offers numerous advantages, some players have encountered limitations. Obviously the major ones are transaction limits and processing times for withdrawals. In the wake of this, cryptocurrencies like Bitcoin and Ethereum have emerged as alternative payment methods. Platforms such as MoonPay and Shakepay have sprung up and you will see them mentionned on the Stake sub-reddit all the time. They basically allow the purchase and transfer of cryptocurrencies, and serve as a viable Interac alternative. They enable players to fund their casino accounts and receive winnings with instant speeds. ​And as we have seen, Stake doesn’t even impose withdrawal limits on crypto.

However, transitioning to cryptocurrencies requires a level of technical understanding and awareness of market volatility. So it’s not for everyone.

Comparing Interac to eCheck

If you want a full editorial regarding their differences, including pros and cons, please read our dedicated eCheck vs Interac page.

If you want the TLDR here: eCheck is often favored for its ability to handle large transactions and its direct link to your bank account. This method is particularly appealing to high-rollers who make higher than average deposits and withdrawals. However it is slower for deposits, unless you have a trusted or “aged account”. In that case, the casino will credit your funds before they actually clear. And keep in mind that with eCheck, cashouts are also comparatively slower than Interac.

Conclusion

Interac has played a pivotal role in iGaming deposits for Canadian based players. Its integration into numerous online casinos, in particular, underscores its reliability and popularity. And its various sub-products are versatile in that they cater to different player profiles. If you want the full list, these are all fintech companies and Interac products you might use to deposit at Canadian Interac casinos: Paybilt, PayDirect, Payper, Wyzia, Gigadat, and Loonio.

There are likely quite a few more, but these are the usual suspects that a player might encounter when making deposits via Interac in Canada. Each caters to different users. For example, Paybilt mostly caters to B2B enterprises, although some big casinos are starting to use them in Ontario. Gigadat is for high rollers who don’t mind sometimes waiting 3 days + on withdrawals. Payper is more for the stealth player who wants to lay low with banks and obtain their funds really fast. Loonio is the new player on the block — and the one that works best from a functionality and overall quality standpoint. At eCheckCasinos.ca, we recommend Loonio over both Gigadat and Payper for all the reasons outlined in this article.