Interac - Degraded Performance
Affected: Interac
Zūm Rails Outage History
Zūm Rails is up right nowZūm Rails had 7 outages in the last 2 years totaling 12h 47m of downtime — averaging 0.3 incidents per month.
There were 7 Zūm Rails outages since October 2, 2025 totaling 12h 47m of downtime. Each is summarised below — incident details, duration, and resolution information.
Interac Issue - Funds Not Depositing
Affected: Interac
Timeline · 3 updates
- investigating May 29, 2026, 04:21 PM UTC
We are currently investigating an issue where some merchants are not receiving their Interac transaction funds. We are working with our partner bank as well as Interac and so we will share updates as they arrive. Thank you for your understanding
- monitoring May 29, 2026, 04:42 PM UTC
Please be advised that we have confirmed that Interac experienced an issue which resulted in transactions unable to be deposited from 11:15AM to 11:30AM EST as well as 11:35AM to 12:15PM EST. Zum Rail systems remained operational during this time and therefore we have confirmed that this is an Interac issue. We have confirmed that transactions are moving accordingly now, however, we are monitoring to ensure there are no other incidents. If you are still experiencing an issue, please reach out to [email protected] and we can investigate further. Thank you for your understanding
- resolved May 29, 2026, 05:00 PM UTC
We are happy to report that we received confirmation that the issue has been fully resolved. Again, there was an Interac outage from 11:15AM to 11:30AM EST as well as 11:35AM to 12:15PM EST, but they have confirmed that all is operational. We thank you for your understanding and please let us know if you're experiencing any other issues.
Interac (Option 1) Delays / Stuck In Progress
Affected: Interac
Timeline · 2 updates
- identified May 01, 2026, 03:28 PM UTC
Please be advised that our bank processor for Interac (Option 1) has identified an issue which is resulting in Interac transactions to be stuck in progress. This started roughly at 11:00 AM EST and they have already started a fix for the issue. Please note that while the transactions are stuck in progress, our bank provider has confirmed that they should continue once the fix is deployed and therefore please do not recreate your transactions at this time. Thank you for your understanding and we will continue to update you as we get more notifications of their progress.
- resolved May 01, 2026, 03:50 PM UTC
Please be advised that the delay issue with Interac (Option 1) has been resolved. Transactions created from 10:45 AM EST to 11:35 AM EST were affected, but they were processed at 11:35 AM EST and should continue as expected. If you are encountering any issues outside of this window, please reach out to [email protected] for assistance. Thank you for your understanding,
Incident Notice - Interac e-Transfer - URL
Affected: Interac
Timeline · 4 updates
- identified Apr 05, 2026, 07:04 PM UTC
We are currently experiencing issues with Interac e-Transfer processing. After investigation, we have confirmed that the root cause lies with our banking partner and Interac itself. They have identified the issue and are actively working to resolve it. Although the issue originates outside of Zūm Rails' infrastructure, we are actively monitoring the situation and are in direct contact with PTC to accelerate resolution. This incident affects clients using the Interac URL payment method only. All other payment rails are operating normally. We will provide a further update within 1 hour or sooner if the situation changes. We apologize for the inconvenience and appreciate your patience.
- identified Apr 05, 2026, 09:22 PM UTC
We have received an update from our banking partner. They are still actively investigating the issue and have not yet provided an estimated time to resolution. We continue to monitor the situation closely and are pushing for updates. **Impact:** This incident continues to affect clients using the Interac URL payment method only. All other payment rails remain fully operational. We will provide a further update within **1 hour** or sooner if there is any change in status. We apologize for the continued disruption and appreciate your patience.
- monitoring Apr 06, 2026, 12:20 AM UTC
While our banking partner has not yet officially confirmed a full resolution, we are observing positive signs — a significant number of Interac e-Transfer payments are now processing successfully through our platform. We are continuing to monitor closely and remain in contact with the bank for an official confirmation. We are not marking this incident as resolved until we have full confidence that processing has returned to normal. Thank you for your continued patience.
- resolved Apr 06, 2026, 03:15 AM UTC
This incident has been resolved. Our banking partner has confirmed that the issue on their end has been fully addressed, and Interac e-Transfer payments are now processing normally across all Interac URL clients. We have been monitoring our platform throughout and can confirm that processing has returned to expected levels. We apologize for the disruption this may have caused and thank you for your patience while we worked to restore service.
Interac Transactions - Stuck "In Progress"
Affected: Interac
Timeline · 4 updates
- investigating Jan 22, 2026, 08:10 PM UTC
Please be advised that we're investigating an issue where several Interac transactions are stuck "In Progress". We've escalated this to our partner bank to which they are investigating the root cause and we will inform you when we have updates. Thank you for your understanding
- identified Jan 22, 2026, 09:58 PM UTC
The issue with Interac transactions has been identified and a fix is currently underway. Some transactions are completing now, but we will update you as we get further updates. Thank you for your understanding
- monitoring Jan 22, 2026, 10:27 PM UTC
The issue with Interac has been corrected and thus transactions are moving accordingly. We are still monitoring, however, if you are still experiencing an issue, please contact [email protected]. Thank you for your understanding
- resolved Jan 22, 2026, 11:26 PM UTC
We are happy to report that the issue with the Interac transactions has been resolved and no further issues have occurred. We thank you for your understanding while we worked through this issue and appreciate all your feedback while we conducted our investigations. Thank you
Zum Rails - Partial Outage
Affected: APIPortal
Timeline · 4 updates
- investigating Oct 21, 2025, 01:55 PM UTC
We are currently investigating an issue with our system that has caused login issues for several merchants including API. With this issue, merchants are seeing transactions stuck in progress as well. We have started a patch to help with this issue and we will provide updates as we move forward. Thank you for your understanding
- identified Oct 21, 2025, 02:09 PM UTC
We have identified the issue and have implemented a fix which has allowed merchants to successfully log back into the Portal/API. The Team is still monitoring this fix and assessing all impacts. Thank you for your understanding
- monitoring Oct 21, 2025, 02:17 PM UTC
The issue has been identified fully and a fix has already been deployed. The Team is still monitoring the incident to ensure there are no other issues, however, merchants should be able to login and transactions should be moving accordingly. Thank you for your understanding
- resolved Oct 21, 2025, 02:25 PM UTC
The fix has been fully deployed and our team has confirmed that there are no further issues. Details below: Earlier today, between approximately 9:05 AM and 9:55 AM EST, an unexpected AWS storage event briefly impacted our database performance. As a result, our portal was offline and some payments may appear as in progress even though they were successfully completed or failed. Our team has identified the root cause and implemented new safeguards, including an improved database monitoring process, early-warning alerts to our support team, and enhanced storage auto-scaling to prevent recurrence. We are also reviewing all transactions and will notify you of any inconsistent payment statuses. If you have any doubts, please contact our support team before re-initiating a payment to avoid duplication. Thank you for your understanding
EFT delays
Timeline · 1 update
- resolved Oct 03, 2025, 12:14 AM UTC
We are experiencing a delay in processing EFT files with one of our banks today. We typically exchange files with banks three times a day: at 6 AM, 3 PM, and 7 PM. Specifically, we exchange one file for debit transactions and one file for credit transactions. Today, the three credit files (sent at 6 AM, 3 PM, and 7 PM) and the two debit files (pulled at 3 PM and 7 PM) will be delayed until October 3rd at 6 AM. The debit file from 6 AM today was processed normally. If you are with a bank that exchanges files at 3 AM, please note that there will be no impact for you. Our team has been working throughout the day to resolve this issue with the affected bank. We apologize for any inconvenience this may have caused.