From St. John's to Mount Pearl to Corner Brook, businesses in Newfoundland and Labrador are often quietly overpaying to accept cards, and many are paying credit-card rates on Interac without knowing it. We show you exactly what you pay and what each fee is for, and help you lower it. No contracts, no cancellation fees.
Most businesses don’t overpay because they made a bad choice. They overpay because the statement is built to be hard to read. There is also a common trap: Interac debit, which should cost far less than credit, is often billed at a credit-card rate by flat-rate apps. We translate your statement into one honest number, your effective rate, and check that Interac is priced like Interac.
Since October 2022, surcharging credit cards has generally been allowed across most of Canada. Where it applies, a surcharge is capped at about 2.4 percent, and you must give customers proper notice and disclosure at the point of sale and on the receipt. You can never surcharge Interac debit. This is general information, not legal advice, and rules differ by province and change over time. Use our surcharge checker for the current picture, and we confirm the rules before configuring anything.
Send one recent statement for a free statement review. We calculate your effective rate, separate Interac from credit, name every fee, flag the junk, and show where it can come down. If switching doesn’t make sense for you, we’ll tell you. We serve Newfoundland and Labrador and across the country.
We tailor the setup to how your business actually sells, including Interac.
Free, no obligation. Serving Newfoundland and Labrador and across the country.