"Gigadat" on Your Bank Statement: What It Is, and What to Do
Why has Gigadat appeared on my bank statement?
Because Gigadat moves Interac deposits and withdrawals on behalf of online casinos, and the processor settles the payment, so its name is what your bank records. That explains the shape of the entry. It does not, on its own, confirm that any particular charge is one you made: reconcile the amount and date against your own records first.
One casino in our rankings is reported to offer Interac via Gigadat, on the operator’s word rather than confirmed in the cashier. Which processor a cashier uses is the operator's choice and rotates, so read the deposit screen rather than a list. The main Interac casino comparison.
What the Gigadat Entry Looks Like
Gigadat can appear under any of these descriptors:
GigadatGigadat Inc
A deposit posts as a debit; an Interac payout posts as a credit from the same processor. Both should match a line in your casino account history to the dollar and to the day, because the processor passes the amount through unchanged. That match is the thing worth checking, and it is what tells you the entry is yours.
Two names, and Gigadat confirms both itself rather than us inferring them from statements we have not seen.
- On a deposit, the cashier window tells you the recipient name to enter, and Gigadat states that name is "Gigadat". So the entry on your statement is the recipient you typed, not a mystery.Source: Gigadat Solutions FAQ (gigadatsolutions.com), read 2026-09-27
- On a Request Money deposit, the notification Gigadat describes reads: "Interac e-Transfer: Gigadat Inc. sent you a request for money." That is where the "Inc" form comes from.Source: Gigadat Solutions FAQ (gigadatsolutions.com), read 2026-09-27
What the deposit screen actually hands you
When on our merchant's site, you will click on the Interac e-Transfer option, after you select the amount of deposit a new window will open that contains the information you will need to complete your e-transfer transaction. You will need to log in to your online bank and select the Interac e-Transfer option and use the information provided in the new window, which will include the recipient name (Gigadat), the email address to send the e-transfer to, the amount you selected on the merchant's site, and the unique ID that you must include in the message field of your e-transfer. If your financial institution is requesting a security question, you will also be provided the security answer to use. You must use the security answer that we have provided you; however, you can make the security question anything you like.
Four things in that paragraph decide whether your deposit works: the recipient name, the email address, the exact amount, and the unique ID that has to go in the message field. Miss the last one and the transfer arrives at Gigadat with nothing to match it to.
Why the casino's own name is not printed
- Most banks will not give a gambling business a direct Interac merchant account, so operators route payments through a processor.
- One processor serves many operators, so no single casino name is what settles.
- Identity and anti-money-laundering checks are handled centrally by the processor and the operator.
If You Do Not Recognise a Gigadat Entry
Do not treat a recognisable processor name as proof that a charge is legitimate. Card and transfer fraud routinely uses names that look ordinary. Work from your own records, not from the name.
- Reconcile it. Open your casino account history and look for a deposit of exactly that amount on that date. If you hold no account with any operator, or the amount does not appear, treat the entry as unexplained.
- Check your own email. An Interac e-Transfer you sent leaves a confirmation at the address on the sending account.
- Contact your bank through a channel you verified yourself: the number printed on your card, or the message centre inside your banking app. Do not use a phone number or link from an email, a text, or a search result about the charge.
- Then the operator, if you did identify one. The casino is the merchant, so a refund or a dispute over a deposit you did make is handled there, with the transaction reference from your banking app.
There is nothing to cancel with Gigadat itself; it settles the payment rather than selling you anything. If you believe your account or card has been compromised, your bank is the first call, not the operator.
Why a Gigadat Deposit Fails, in Gigadat's Own Words
Gigadat publishes the list, which is rarer than it sounds and more useful than any troubleshooting advice we could write. Every one of these is something that happens on your side of the transfer, which is why the cashier looks broken when it is not.
- The unique ID that was provided by the merchant when starting the transaction was not included in the message field of the e-transfer
- The unique ID included with the e-transfer is from a different transaction for which you already sent in funds.
- The unique ID included with the e-transfer was mistyped, and Gigadat recommends copy and paste to avoid any typos
- You sent in an e-transfer without starting a transaction on the merchant's site first
- You sent in a different amount than what you selected on the merchant's site
- Your e-transfer was received outside of the 24 hour time period from the start of the transaction and your transaction has now expired
Four of the six are the reference number. The practical rule that follows: start the transaction in the cashier first, copy the unique ID rather than typing it, send the exact amount shown, and finish inside the same session. A transfer you send from memory to an address you saved last month will fail on at least two counts.
Scroll sideways to see the whole diagram, or open the text version below.
Read this decision tree as text
- Did the payment fail at the casino cashier, on a card? If yes: That is a card decline, not an Interac problem. Gambling merchants carry their own card-network category code. TD, RBC, Scotiabank and CIBC all reserve the right in their card agreements to block transactions they identify as internet gambling. A decline costs nothing and leaves no mark. Interac e-Transfer runs on a different rail and is not covered by those clauses.
- Did your banking app refuse to send the amount? If yes: You hit your own send limit. Limits are set per institution and are usually rolling windows rather than calendar days, so a transfer you sent yesterday afternoon can still be using up today. Read your remaining headroom in your bank before you retry, and split the deposit if you have to.
- Did the money leave your account but the casino shows nothing? If yes: Almost always the deposit reference. A processor matches your transfer to the transaction you started in the cashier using a unique ID typed into the message field. Gigadat lists a missing, mistyped or reused ID, a different amount than you selected, sending without starting a transaction first, and arriving outside the 24-hour window as the reasons a deposit fails. None of those are visible from your side, which is why the cashier looks broken.
- Is it a payout that has not arrived yet? If yes: Check the clock before you chase anyone. ATB publishes a fraud delay of up to 30 minutes on an Autodeposit transfer, particularly the first one from a sender you have no history with. Gigadat processes payouts Monday to Friday only and says a transfer can take up to one business day. A Friday-night request is a Monday event.
- Did you get a security question you cannot answer? If yes: The answer was sent to you, separately. A processor sends a unique security answer by email or SMS for each payout, to whichever address is on your operator profile. Gigadat cancels the transfer after three wrong answers and returns the funds to the operator, which should credit your casino balance back within 24 hours.
- Still nothing? Now it is worth a call. Reconcile the amount and date against your own transaction history first. Then contact the operator, because the operator is the merchant. Contact your bank through a number on your card or the message centre in your app, never a number from an email or a search result about the charge.
When a Gigadat Payout Bounces Back
The payout failure is a different mechanism, and Gigadat states both the trigger and the remedy, including how long the money takes to come back.
The e-transfer will be canceled if you answer the security answer incorrectly three times. The funds will be returned to the merchant and should be automatically credited back to your online account with the merchant within 24 hours. You can start a new request with the merchant at this point.
- Where the answer comes from, and why people do not have it: "Gigadat sends a unique security answer via SMS (standard data and message rates may apply) or email for each withdrawal. Check your profile under the merchant's website to ensure you have your current email and mobile number listed."Source: Gigadat Solutions FAQ (gigadatsolutions.com), read 2026-09-27
- Gigadat's own advice on avoiding the three-strike cancellation: "Cut and paste the answer we send you into the e-transfer notification when prompted."Source: Gigadat Solutions FAQ (gigadatsolutions.com), read 2026-09-27
- Registering for Interac Autodeposit removes the security answer from the payout path entirely, and Gigadat says so, while noting the registration experience differs by institution.Source: Gigadat Solutions FAQ (gigadatsolutions.com), read 2026-09-27
The important consequence: a bounced payout is not lost, and it is not with your bank. It is back with the operator, and the operator credits your balance. Your bank has nothing to investigate, which is why calling it first wastes the day.
Scroll sideways to see the whole diagram, or open the text version below.
Read this diagram as text
- Casino balance. You request a payout. Operator approval and identity checks happen before anything moves.
- Gigadat. Queues the payout and sends you a security answer by email or SMS, unless you have Autodeposit registered.
- Interac e-Transfer rails. Notification out, funds settled between institutions. A fraud hold can sit here.
- Your bank. Credited to your account. Receiving an e-Transfer is free at almost every institution.
How Long a Gigadat Transfer Really Takes
Three separate Gigadat statements, which together explain why "instant" and "up to one business day" both appear on its own site without contradiction.
Transfers are almost instant but can take up to 30 minutes, depending on your bank or credit union.
Gigadat processes withdrawals Monday to Friday only. Withdrawals are not processed on weekends or bank holidays.
Interac e-Transfer payments can sometimes take up to 1 business day to be completed. This is why we developed a tool for you to track your transaction status.
The withdrawal sequence, as Gigadat describes it
Gigadat will send you an email once the withdrawal request is received. The security answer will be sent when Gigadat processes the withdrawal. The e-Transfer notification to accept the funds will be next the next day.
That last sentence is quoted exactly as Gigadat writes it, wording error included. Read it as: the notification to accept the funds follows on the next processing day, not in the same session as the request.
Scroll sideways to see the whole diagram, or open the text version below.
Read this timeline as text
- Deposit: you start the transaction in the cashier: Immediate. This is the step that creates the unique ID and opens a 24-hour window.
- Deposit: you send the e-Transfer from your bank: Almost instant, up to 30 minutes. Gigadat attributes the spread to your bank or credit union rather than to itself.
- Deposit: casino balance credited: On the reference matching. If the unique ID or the amount does not match, this is where it stops.
- Payout: you request it: Confirmation email on receipt. Operator approval and identity checks happen before Gigadat sees it.
- Payout: Gigadat processes it: Monday to Friday only. No processing on weekends or bank holidays, so a Friday night request is a Monday event.
- Payout: security answer sent, then the transfer: Notification the next processing day. Autodeposit removes the security answer from this step entirely.
- Payout: credited at your bank: Up to one business day after that. Receiving an e-Transfer is free at almost every Canadian institution.
How a Gigadat Transfer Moves
Depositing
Deposit amounts run $30 to $7,500 per transaction per transaction on our record.
You confirm the transfer in your online banking or app. Gigadat receives funds, not your banking credentials.
A first transfer to a new recipient can take longer to clear than later ones.
Withdrawing
Our record lists a $4,500 per day across up to 3 destinations (VIP limits negotiable) cap on the processor side. The operator sets its own limits on top of that.
A first payout waits on identity verification. Completing that when you open the account is the part of the timeline you control.
Gigadat processes monday to friday (no weekend processing). Registering your email for Interac Auto-Deposit means the payout credits without you accepting each transfer.
Who to Contact About a Gigadat Transfer, and in What Order
Gigadat publishes three routes, and only one of them is for you. Knowing which is which saves a wasted day.
1. Check the status yourself, first
Gigadat runs a self-serve status page: "Enter the Required ID from the Message section from your e-Transfer." That is the same unique ID you put in the message field when you deposited, so it is on your bank statement or in your e-Transfer history.
Source: Gigadat Solutions, e-Transfer Status (gigadatsolutions.com), read 2026-09-272. Support and transaction inquiries
A web form on Gigadat's contact page, headed "Need help with a transaction? You're in the right place!". Gigadat publishes no support telephone number and no support email address, so the form is the only consumer channel it offers.
Source: Gigadat Solutions, Contact Us (gigadatsolutions.com), read 2026-09-273. Law enforcement and provincial securities investigators only
Gigadat keeps a separate compliance route, and is explicit that it is not for the public. It states it is a FINTRAC-registered Money Services Business (Registration No. M23430346), that a dedicated compliance team reviews inquiries, that it replies within 24 to 48 business hours, and that funds may be recoverable if an incident is reported promptly. If you are not a member of law enforcement or a registered securities investigator, this is not your channel.
Source: Gigadat Solutions, e-Transfer Status (gigadatsolutions.com), read 2026-09-27For a deposit that did not credit or a payout that did not arrive, the operator is the merchant and holds your account, so the operator is the first call. Gigadat settles the payment; it does not hold your balance and cannot credit it. For a charge you cannot reconcile at all, your bank comes first, through the number on your card or the message centre in your banking app, never a number from an email or a search result.
Gigadat also publishes a French version of its site, including the status search: www.gigadatsolutions.com/french/recherche-statut-e-transfer. It refused our request, so we have not read it, only confirmed it is published.
Gigadat Limits and Timings
| Type | Interac e-Transfer (deposits), e-Transfer Request Money, and eCashout (withdrawals) |
|---|---|
| Supports | Deposits and withdrawals |
| Bank coverage | Every Canadian financial institution that participates in Interac e-Transfer, which Interac puts at over 250 |
| Processing days | Monday to Friday (no weekend processing) |
| Deposit speed | Instant |
| Withdrawal speed | 1 to 3 business days |
| Deposit limit | $30 to $7,500 per transaction |
| Withdrawal limit | $4,500 per day across up to 3 destinations (VIP limits negotiable) |
| Player fees | No fee charged to players (casinos negotiate merchant rates) |
| Founded | 2013, Winnipeg, Manitoba |
| Registration | FINTRAC-registered Money Services Business (Registration No. M23430346) |
| Provenance | Verified September 2026 |
Read from Gigadat's own materials and public payment-industry sources in September 2026 and recorded as verified. Limits vary by casino and VIP tier, and published terms change. Sources: gigadatsolutions.com/faq, gigadatsolutions.com/e-transfer-status, gigadatsolutions.com/contact, gigadatsolutions.com/payouts, www.gigadatsolutions.com/payins, gigadatsolutions.com/fastplay, igamingpaymentsolutions.com/providers/gigadat.
Who Gigadat Is
Gigadat (Gigadat Inc.) is a Canadian company founded in 2013 in Winnipeg, Manitoba. It sits between a player's bank and an online casino because most operators cannot hold a direct Interac merchant account of their own, which is the whole reason a processor name rather than an operator name reaches your statement.
It offers Interac e-Transfer (deposits), e-Transfer Request Money, and eCashout (withdrawals), and our record puts its reach at Every Canadian financial institution that participates in Interac e-Transfer, which Interac puts at over 250. Wyzia, an Ontario-focused processor, uses Gigadat on the back end for its eCashout withdrawals.
Worth knowing
- Withdrawals process Monday to Friday only, so a payout requested on a Friday night may not move until Monday. Gigadat states this on its own FAQ.
- A deposit must carry the unique ID from the cashier in the message field of the transfer, and must arrive inside 24 hours of the transaction being started. Gigadat lists both among the reasons a deposit fails.
- Three wrong answers to the payout security question cancels the transfer, and the funds go back to the operator rather than to you.
- Pays out over three rails, not one: Interac e-Transfer, an ACH-style product it calls eCashout, and a bank wire option.
- Replaced its old Interac Online browser redirect, which Interac discontinued on 31 October 2024, with e-Transfer-based flows.
Gigadat Pays Out Over Three Different Rails
Gigadat pays out over more than one rail, and which one an operator uses changes what arrives and when.
- Interac e-Transfer payouts, which need only your email address or mobile number and no banking details.Source: Gigadat Solutions, Pay-Outs (gigadatsolutions.com), read 2026-09-27
- eCashout, which Gigadat describes as a "customized online Automated Clearing House (ACH) solution" depositing funds directly into a Canadian bank account. An ACH-style credit posts differently from an e-Transfer and does not involve a security question.Source: Gigadat Solutions, Pay-Outs (gigadatsolutions.com), read 2026-09-27
- An exclusive bank wire option, alongside "Real-time and overnight processing of transfers", which is where the spread between minutes and a business day comes from.Source: Gigadat Solutions, Pay-Outs (gigadatsolutions.com), read 2026-09-27
Which one you get is the operator's configuration, not your choice, and it changes what the credit looks like on your statement. An eCashout credit is an account deposit rather than an e-Transfer, so there is no notification to accept and no security answer to get wrong.
On whether your bank is supported at all
One Gigadat claim is worth quoting because it settles an argument this site keeps having with the rest of the industry.
Interac's most popular solution. It works as an internet-based consumer-initiated transaction that transfers funds over email or SMS. It is supported by 100% of Canadian financial institutions.
If the processor itself says every Canadian institution is supported, then a page headed "best casinos for [your bank]" cannot be describing a real difference in access. It is the same list with a name swapped in. The bank comparison is about cost and ceilings for that reason, not access.
The Bank-Login Shortcut, and What It Hands to the Operator
One Gigadat product deserves reading closely before you use it, and it is the one that looks most convenient.
With FastPlay, the end-user's method of payment will identify the end-user while also providing and clarifying their personal details which are then made available to and stored by the operator. This feature will provide more security as players will not be required to verify their identity or provide details manually.
Read that as what it says: signing in to your bank through this flow hands your identity details to the operator and the operator stores them. That may be a fair trade for skipping a document upload. It is a choice about your personal information either way, and it is being made at a deposit screen rather than on a consent page. Standard Interac e-Transfer does not do this: you authorise the payment inside your own bank and the processor receives funds, not your details.
What a standard e-Transfer does instead
Gigadat and the end-user's financial institution exchange funds using established and secure banking procedures. Only notifications and deposit instructions are transmitted by email or text message.
What Gigadat's Registration Does and Does Not Tell You
Our record lists Gigadat as a fintrac-registered money services business. Registration with FINTRAC, Canada’s financial intelligence unit, obliges a money services business to keep records, verify identity in defined circumstances and report certain transactions. FINTRAC is explicit that it does not endorse, licence, certify or vouch for the businesses on its register.
So the registration tells you the company is on a register and carries obligations. It is not a gambling licence, not a safety rating, and not a statement about any operator that uses the processor. Whether a casino is worth your money is a separate question, answered by its own licence, its terms and its payout record.
It does not see your login
With Interac e-Transfer you authorise the payment inside your own bank. The processor receives funds, not your banking credentials.
Transfers are traceable
Every transfer leaves a record on your statement and in your casino history, which is what makes reconciliation possible.
Identity checks sit with the operator
Licensed casinos verify identity before a first payout. That protects the account holder, and it is also why a first withdrawal is the slow one.
Disputes go to the merchant
The processor is not the merchant. A refund or a dispute over a deposit runs through the operator you paid, and through your bank if the entry is unexplained.
Gigadat and the Other Interac Processors
They all run on Interac rails and reach nearly every Canadian institution, so which one a casino uses does not decide whether your bank works. It affects the deposit screen, the name on your statement, and how quickly a payout clears.
Gigadat is the one we hold a full record for, verified against its own materials. Wyzia, Payper, Loonio and PayDirectNow also appear on Canadian statements, and what we hold on them is summarised from public payment-industry sources rather than confirmed, so we have not published a guide for each. The one processor-specific behaviour we do record is that a PayDirectNow-style instant bank-login flow does not support Desjardins, where standard Interac e-Transfer works instead.
Side-by-side summary in our Interac payment types guide, and the bank-side view in our bank comparison.
What We Went Looking For and Gigadat Does Not Publish
The sections above cite 6 separate Gigadat pages, read on 27 September 2026. Here is the list of things we tried to source from Gigadat and could not, so you know which questions this page does not answer rather than discovering it later.
- A Gigadat support telephone number or email address. The contact form is the only consumer route it publishes.
- Gigadat's own statement of its per-transaction deposit and withdrawal limits. The figures in our record come from secondary payment-industry sources, not from Gigadat.
- Any Gigadat page listing which operators use it. Our single mapping is reported by the operator, not confirmed in a cashier.
- A published dispute or chargeback procedure for a consumer. Gigadat directs transaction help to a form and reserves its compliance route for law enforcement.
- Any Gigadat statement about processing times for the eCashout or bank wire rails specifically, as distinct from e-Transfer.
The limit figures in the table above are the clearest case: they come from secondary payment-industry sources and are recorded as reported, not verified against Gigadat.
Gigadat: Questions
Why is "Gigadat" on my bank statement?
Gigadat is a payment processor that handles Interac deposits and withdrawals for online casinos, so its name settles on your statement instead of the operator's. On a deposit it is also the recipient name the cashier told you to enter, and on a Request Money deposit the notification reads "Gigadat Inc. sent you a request for money". Match the amount and date against your own casino transaction history before you treat the entry as explained: a familiar processor name is not by itself evidence that a particular charge is yours. If it does not reconcile, contact your bank using the number on your card or in your banking app.
How long does a Gigadat withdrawal take?
Deposits are instant. Withdrawals take 1 to 3 business days, and Gigadat processes monday to friday (no weekend processing), so a payout requested outside those days starts moving on the next processing day. The casino's own approval and identity checks happen before any of that clock starts.
Does Gigadat charge a fee?
No fee charged to players (casinos negotiate merchant rates). Your own bank may apply its standard Interac e-Transfer send fee depending on your account plan, which is a separate charge from your bank, not from Gigadat. Receiving an e-Transfer, which is how a payout arrives, is generally free.
My Gigadat deposit has not arrived, what should I do?
Deposits are usually instant, and Gigadat publishes the reasons one fails rather than leaving you to guess: the unique ID from the cashier missing, mistyped or reused in the message field, a different amount than the one you selected, sending without starting a transaction on the operator's site first, or arriving more than 24 hours after the transaction was started. Check those first, then use Gigadat's own status tool with the ID from the message field of your transfer. If it is none of them, the casino is the merchant, so a missing deposit or a refund is resolved there rather than with Gigadat.
Is Gigadat regulated in Canada?
Our record lists Gigadat as a fintrac-registered money services business. Registration with FINTRAC is a reporting and record-keeping obligation that money services businesses must meet. FINTRAC states that it does not endorse, licence or certify the businesses on its register, so registration tells you the company is on the register, not that a transaction or an operator is safe.
About the Author
Sarah Thompson
Sarah Thompson is a Toronto-based gambling industry analyst with over 8 years of experience covering online casinos in Canada. After a decade in financial services, she pivoted to iGaming journalism in 2016 and hasn't looked back. Sarah has reviewed over 100 online casinos and built a reputation for calling out operators who don't pay on time.
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