Last updated: May 2026
About this site
surcharging.ca is an independent Canadian resource on credit card surcharging. The site provides general information about surcharging rules, regulations, and best practices for Canadian merchants. It is not affiliated with Visa, Mastercard, the Government of Canada, or any specific payment processor.
This is not legal or financial advice
The information on this site is for general informational purposes only. It is not legal advice, financial advice, tax advice, or accounting advice. Surcharging rules can change. Provincial laws vary. Your specific situation may have considerations not covered here.
Before making decisions about surcharging in your business, consult with your payment processor, a qualified lawyer, your accountant, or another appropriate professional. Don't rely on this site as your sole source of guidance.
No warranty
We work hard to keep the site accurate and up to date, but we provide it on an "as-is" basis with no warranties of any kind. Information may be incomplete, outdated, or contain errors. Use of the site is at your own risk.
To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose, and non-infringement.
Limitation of liability
We are not liable for any damages arising from your use of the site or your reliance on information found here. This includes direct, indirect, incidental, consequential, or punitive damages — whether based on contract, tort, or any other legal theory.
If you act on information from the site without verifying it independently, that's on you, not us.
The lead form
If you submit the lead form, you're requesting a free, no-obligation consultation about surcharging. We may follow up by phone, text, or email. There is no obligation to purchase anything, sign up for any service, or continue communication if you change your mind.
Information submitted through the form is governed by our Privacy Policy.
Calculator and tools
The calculators and tools on the site provide estimates based on the inputs you provide. They are illustrative only and should not be relied upon as exact figures. Your actual results will depend on your specific circumstances, your processor, your effective discount rate, and other factors.
Intellectual property
All content on the site — including text, graphics, calculators, and design — is owned by surcharging.ca or its licensors. You may read and reference the content for personal or business purposes. You may not republish it on another site, sell it, or use it for commercial purposes without permission.
Linking to our pages from your own site or social media is welcome.
Third-party links
The site may link to third-party websites for reference (such as Visa Canada, Mastercard Canada, or government resources). We don't control those sites and aren't responsible for their content, accuracy, or practices. Use them at your own discretion.
Changes to the site and these terms
We may modify the site, its content, or these terms at any time without notice. The "Last updated" date at the top of this page reflects the most recent change to these terms. Continued use of the site after changes means you accept the updated terms.
Governing law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in that province. Any disputes will be resolved in the courts of Ontario, Canada.
Contact
Questions about these terms? Email us at team@surcharging.ca.