🔍 Why the Reference Code Matters
The reference code helps identify:
which order the transfer belongs to
which customer sent the payment
how the payment should be processed
Missing or incorrect codes can delay processing.
⏳ What Happens Next?
If the reference code was missing or entered incorrectly:
the transfer may remain pending
manual intervention may be required
processing times may increase
💲 Manual Recovery Fee
If manual recovery or investigation is required, a $25 manual recovery fee may apply.
📬 What You Should Do
If you sent an e-Transfer without the correct reference code:
contact [email protected]
or request a live agent through support
Providing the following information may help speed up the review:
transfer amount
sending email address
transfer time and date
bank name if requested
⚠️ Important Reminder
Always double-check the reference code before submitting an e-Transfer to help avoid delays and manual processing fees.
📚 Related Articles
Why Your Bank May Block an Interac e-Transfer
What Happens If an e-Transfer Is Reversed or Cancelled?
Daily e-Transfer Limits Explained