Card processing fees in Canada
Interchange, network fees and markup, the small-business rates, and what changes in October 2026.
Read the Fees GuideResources
Resources for Canadian merchants.
Everything around your payments, in one place: plain guides to what you pay and the rules you work under, business services from the team that runs your payments, and the tools and rights you can use today.
Every guide quotes its sources and shows the date it was last checked.
Guides
Clear answers to the questions merchants ask most, with the published numbers and the rules behind them.
Interchange rates in Canada
Visa and Mastercard's published Canadian rates in one place, dated.
See the Rates
Credit card surcharging
The 2.4% cap, the credit-only rule, the notice and signage, and Quebec's ban.
Read the Surcharging Rules
Quebec mandatory billing
WEB-SRM for restaurants: who is covered, what the bill must show, the fines, and Clover.
Read the Quebec Guide
Choosing a payment processor
The five kinds of processor in Canada, their published prices, and how to compare them.
Compare Processors
What Clover costs in Canada
Hardware, software plan, card rates, apps, setup and contract: every line of a Clover quote.
See What Clover CostsBusiness services
The services a growing business needs around its payments, from one team that already knows how you sell.
Websites
Business websites, online stores and online ordering that load fast, rank and take payments.
Explore Websites
SEO and Google Business Profile
Show up when people nearby search for what you sell, on Google Search and Google Maps.
Explore SEO
Paid ads
Google and Meta ads, with the tracking set up first so you can see what each dollar brings back.
Explore Paid Ads
Graphic design, branding and print
Logos, menus, signage and print that look like one business, in the store and online.
Explore Design and Branding
AI implementation
AI set up for real tasks: answering customers, following up and handling paperwork.
Explore AI Implementation
IT support
Networks, Wi-Fi, devices, email and backups for businesses without an IT department.
Explore IT Support
Custom solutions
Integrations, dashboards and custom software when off-the-shelf tools fall short.
Explore Custom SolutionsTools
Free ways to check what you have before you change anything.
Statement analysis
Understand your current processing statement and the questions worth asking a provider.
Request a Statement Review
Your rights and the rules
What payment providers must tell you, how to raise a problem, and what Quebec businesses need to plan for.
The Code of Conduct
What your payment provider must tell you about fees, when you can cancel without penalty, and how complaints are handled.
Read the Code of Conduct
Quebec payment and POS guidance
Questions to prepare for a Quebec payment or POS project, with the official restaurant billing resources.
Read the Quebec GuidanceCommon questions
Yes. Read them, share them and use them to check any quote, from us or anyone else.
Can’t find what you need?
Ask us. A specialist will answer or point you to the right place.
