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Instadebit is available only to Canadian residents so the system uses a direct link into banking system of Canada. Your personal banking data is safe, and the transactions are just like those with debit card. Instadebit claims to be 100% free to use.
To sign-up you need to register a bank account and type your name, address as well as your ID information when you plan to withdraw funds. Once you sign up, your user name and password let you make the deposits instantly. Any withdrawal of yours via Instadebit resembles check transaction in the bank statement and can take up to 7 business days.
Right now Instadebit supports only the Canadian dollar and the U.S. dollar.
Instadebit provides 24/7 merchant and customer support for all transactions it processes, as well as comprehensive merchant reports and customer transaction review.