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.
Latest Blogs On Credit Card Surcharging
Stay informed with the latest insights, tips, and updates on credit card surcharging in Canada. Learn how to save on processing fees and maximize your business profits.
Beyond Nickels and Dimes: Revolutionizing Canadian Payment Processing with Dough Payments
Beyond Nickels and Dimes: How Dough Payments is Revolutionizing Canadian Payment Processing for Business Growth
Introduction
Hey there, Canadian business owners! Let's talk about something that's been simmering in the world of payment processing. It's more than just a transactional affair; it's about your dreams, your growth, and how the industry has been missing the mark – until now.
The Current Scene in Canadian Payment Processing
In the vast landscape of Canadian payment processing, there’s a common trend – focusing on fees, fees, and more fees. It’s like everyone’s playing a game of 'how low can you go' with transaction costs. But let's be real: while saving a few bucks is cool, what about the bigger picture?
Let's not even get started on every provider in the market pitching you on how "they have the best customer service". If everybody is saying it, how can you tell who's walking the walk? It's near impossible.
If we're being honest (and we always are), small business owners are sick of the same song and dance that they hear every day from door knockers and cold callers.
At Dough, we think it's about time that the industry gets a face lift so that small business owners are the ones winning the payments game, and not the greedy banks that nickel and dime small business owners into oblivion.
The Misaligned Focus
Many processors are stuck in this loop, thinking merchants are all about saving pennies. But hey, let’s break it down: you're not just a cash register; you're a visionary, a dreamer, someone who's building something amazing. You care about growing your business, reaching new heights, and making a real impact.
Your business is meant to help your customer base, and saving 0.0004% of a percent on Interchange because Johnny the sales rep told you it would transform your business is not helping more customers.
What payment processing companies fail to realize over and over again is that you don't necessarily move the needle in your business if one bank charges you 1.10% and another charges you 1.11%.
At the end of the day, you want to grow your business so you can help more customers. Plain and simple.
Dough Payments: A Breath of Fresh Air
Enter Dough Payments. We're here to flip the script. It's not just about reducing fees; it's about offering tools, insights, and support to help your business soar. Think of us as your partner in crime, helping you to conquer mountains, not just count coins.
At Dough, we believe in nurturing growth, fostering innovation, and empowering businesses. We're not just about processing your transactions; we're about being a part of your journey, cheering you on as you expand your horizons.
The Dough Difference
What sets Dough Payments apart? It's simple: we see the big picture. It's not about nickel and diming; it's about understanding your needs, your aspirations, and providing solutions that align with your growth trajectory. We're talking state-of-the-art technology, seamless integrations, and a team that's invested in your success.
Imagine this,
a provider that gives you free social media marketing
a provider that helps you with content creation at no cost
a provider that helps you get more google reviews, boosting your online presence
a provider that has a marketing team on staff that YOU GET ACCESS TO!
Can you remember the last time you heard an offer like this? If the answer is no, we want to give you some good news. Dough does this for all of our small business clients.
We aren't the penthouse suite corporate bankers looking to eek out an extra dime from your business. Instead, we focus on helping our small business clients GROW THEIR BUSINESS so that they can help more customers, and hopefully, if we do our jobs well, tell other business owners to join the revolution that we are bringing to the Canadian payment processing industry.
Join the Revolution
So, Canadian entrepreneurs, are you ready to shift gears? Are you prepared to move beyond the mundane and embrace a payment processor that gets it? It's time to make more dough with Dough and grow your business at https://getdough.co/
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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