From Montreal to Quebec City, Laval to Gatineau, Quebec businesses 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, in English or French, 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. In Quebec there is an extra 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.
Unlike most of Canada, Quebec doesn’t permit credit card surcharging. Quebec's consumer protection law effectively prohibits charging more than the posted price, so the surcharge route that works in other provinces is off the table here. That is fine, because the bigger win for most Quebec merchants is transparent interchange-plus pricing and making sure Interac is priced correctly. This is general information, not legal advice. See our surcharge checker for the province-by-province picture.
If you run a restaurant or bar in Quebec, you must record your sales the way Revenu Quebec requires, through a sales recording module (MEV) or the newer cloud-based WEB-SRM. We set up your payments, your Interac, and a point of sale that meets the rules, together. Read the Quebec WEB-SRM guide. We don’t provide tax advice; confirm your obligation with Revenu Quebec.
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’re based in Pointe-Claire and serve Quebec in French.
We tailor the setup to how your business actually sells, including Interac.
Free, in English or French, no obligation. Serving Quebec and across the country.