Save Thousands on Credit Card Fees with Surcharging in Canada
Credit card surcharging is now legal in Canada! Stop paying high processing fees and pass them to customers legally.
What Is Credit Card Surcharging
Credit card surcharging allows businesses to pass credit card processing fees to customers, reducing operational costs. Instead of paying 2-3% in transaction fees, you can legally add a surcharge when customers choose to pay with a credit card.
100% Legal & Compliant in Canada
Credit card surcharging is fully legal in Canada as of 2022. Businesses can now pass processing fees to customers while staying compliant with Visa, Mastercard, and government regulations. We ensure you follow all necessary guidelines so you can start saving immediately.
Save Thousands Per Year on Processing Fees
Stop letting credit card fees eat into your profits. With surcharging, businesses can recover up to 2.4% per transaction, significantly reducing costs. Whether you run a retail store, restaurant, or online business, this strategy helps you maximize revenue without raising prices.
Easy to Implement for Any Business
Surcharging is simple to set up with the right tools and guidance. Whether you use a POS system or a standalone terminal, we help you integrate surcharging seamlessly. Our step-by-step approach ensures compliance and ease of use, so you can start saving in no time.
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Is Credit Card Surcharging Legal in Canada?
Yes! As of 2022, businesses in Canada can legally surcharge. There are some requirements for the business to start surcharging:
Must notify credit card companies 30 days before implementation
Surcharge cannot exceed 2.4% (Visa & Mastercard rules)
Surcharging does not apply to debit transactions
The surcharge amount must be clearly disclosed to customers
Curious about your savings?
Try our free savings calculator
Find out how much you can save on credit card fees in just seconds! Enter your processing amounts and see your potential savings instantly.
Who Can Benefit from Surcharging?
Credit card surcharging is a game-changer for businesses that frequently deal with high processing fees. Brick-and-mortar businesses such as restaurants, retail stores, auto repair shops, medical clinics, law firms, and professional service providers can significantly reduce costs by passing credit card fees to customers.
If your business relies on in-person transactions and faces shrinking profit margins due to rising processing costs, surcharging is a smart way to keep more of your revenue while maintaining compliance with Canadian regulations.
How Does Credit Card Surcharging Work?
A customer chooses to pay with a credit card at POS.
The business applies a small surcharge (2.4%).
The customer pays the transaction fee, NOT the business.
The total amount of purchase is automatically calculated.
How Much Can You Save?
Many businesses in Canada are paying thousands of dollars each year in credit card processing fees. With surcharging, you can recover up to 2.4% on every credit card transaction—meaning a business processing $500,000 in credit card sales annually could save up to $12,000!
Whether you own a restaurant, retail store, or service-based business, surcharging helps protect your bottom line and keeps more of your hard-earned revenue where it belongs—in your business.
Frequently Asked Questions
Read More FAQs About Credit Card Surcharging
Is surcharging legal in all provinces?
Credit card surcharging is legal nationwide with the exception of Quebec
Can I apply a surcharge on debit card transactions?
No. Surcharging only applies to credit card payments, not debit.
How much can I charge as a surcharge?
The maximum surcharge is 2.4%, as per Visa & Mastercard rules.
Will customers be upset about surcharges?
Most customers understand why businesses implement surcharges and will often choose debit or cash to avoid the fee. Introducing a surcharge is a way to cut costs while not having to raise prices on every type of customer.
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