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Pricing you can actually read

We don’t play rate games. What you sign is what you pay, and Interac is priced like Interac. Here is how our pricing works in Canada.

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How we price in Canada

Interchange-plus first, with Interac priced as Interac. Dual pricing where your province allows it.

Where we start

Interchange-plus

  • What it is: the card brands’ cost passed straight through, plus one clear markup you can see.
  • Interac: priced as Interac, on its own, never at a credit-card rate.
  • Who it fits: any business that wants to check every number, especially debit-heavy ones.
  • What you pay: the card brands’ cost plus our markup, both shown on your statement.
Where allowed

Dual pricing (cash discount)

  • What it is: you post a card price and a cash price. Customers who pay by credit card cover the card fee.
  • Where: most provinces. Never in Quebec, and never on Interac debit.
  • Who it fits: businesses outside Quebec that want to offset their credit-card processing cost.
  • What you pay: less on credit cards, since card customers cover the fee. Interac stays priced as Interac.
One $50 Interac tap, two bills: $0.80 billed like a credit card vs $0.05 billed as Interac Two receipts for the same $50 CAD Interac debit tap. Billed like a credit card at 1.5% plus $0.05, the fee is $0.75 plus $0.05, which is $0.80. Billed as Interac, there is no percentage, just one flat fee of about $0.05. A side card shows the gap: $0.80 vs $0.05 on the same tap, 16 times more. Example amounts, illustration, not a quote. ONE $50 INTERAC TAP Same customer, same bank card, same $50. Interac is not a credit card, and should not be priced like one. CREDIT-CARD PRICING Billed like credit A percentage plus a per-tap fee Sale $50.00 CAD Card Interac debit, tapped Billed at 1.5% + $0.05 1.5% of $50 $0.75 Per-tap fee $0.05 FEE ON THIS TAP $0.80 PRICED AS INTERAC Billed as Interac One flat fee per tap Sale $50.00 CAD Card Interac debit, tapped Billed at A flat fee per tap Percentage None Per-tap fee $0.05 FEE ON THIS TAP $0.05 THE GAP On the same tap $0.80 vs $0.05 Billed like credit $0.80 Billed as Interac $0.05 16 times more when a debit tap is billed like a credit card. The more debit-heavy your business, the more it costs you. LEGEND Billed as Interac: one flat fee Debit billed like credit: the avoidable cost Example amounts, illustration, not a quote. Interac fees are set per transaction; your rate depends on your setup.

Side by side

Both options, with Interac handled the way it should be.

How AllProPay's Canadian pricing compares. We help you pick the right fit, and we make sure Interac is priced like Interac.
OptionHow you’re chargedInterac handlingTransparency
Interchange-plus The card brands’ cost is passed straight through, plus one fixed markup you can see. Priced on its own, never at a credit-card rate. Both numbers are visible.
Dual pricing / cash discount Where allowed, customers who pay by credit card cover the card fee. Surcharges are capped at 2.4 percent. Never applied to Interac debit. Customer-paid. Not permitted in Quebec.

Surcharging is capped at 2.4 percent, requires disclosure, isn’t permitted in Quebec, and may never be applied to Interac debit. We confirm what is allowed in your province before configuring anything.

Pricing questions, answered plainly

How should Interac debit be priced?
Interac generally costs far less to accept than a Visa or Mastercard credit card. On transparent pricing it is priced on its own, not blended in at a credit-card rate. Flat-rate apps that charge one rate on everything overcharge you on Interac, which adds up fast on a debit-heavy business.
What is interchange-plus pricing?
It passes the card-brand cost straight through to you and adds a separate, fixed markup you can see. It prices Interac and credit separately, so debit is never billed like credit, and nothing is blended or hidden.
Do you offer dual pricing in Canada?
Yes, where it’s allowed. You post a card price and a cash price, and customers who pay by credit card cover the card fee. It’s never offered in Quebec and never applies to Interac debit, which stays priced as Interac. We confirm the rules for your province before setting anything up.
Can I surcharge credit cards in Canada?
In most provinces you can surcharge credit cards since 2022, capped at 2.4 percent or your cost of acceptance, whichever is lower, with notice, signage, and a separate receipt line. It isn’t permitted in Quebec, and never on Interac debit. See our surcharge checker.
Are there contracts or cancellation fees?
No. We don’t use long-term contracts or cancellation fees. The Code of Conduct for the Payment Card Industry in Canada also protects your right to clear pricing and fair cancellation terms.

Our pricing promise

What you sign is what you payNo rate games, no surprise changes without notice.
Interac priced as InteracYour debit-heavy days aren’t billed at credit rates.
No contracts, no cancellation feesBacked by the Code of Conduct for the Payment Card Industry in Canada.
Real numbers, from your statementSavings are estimates with the assumptions shown.

Surcharging, briefly

  • Since 2022, merchants in most provinces can surcharge credit cards.
  • Capped at 2.4 percent or your cost of acceptance, whichever is lower.
  • Needs advance notice, clear signage, and a separate line on the receipt.
  • Two hard limits: it isn’t permitted in Quebec, and you can never surcharge Interac debit.
  • We set it up correctly for your province, or use dual pricing instead.
Check your province

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