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business_warehouse call_us_dark_blue call_us_teal call_us_white carousel_button_pause carousel_button_play check_blue check_white checkmark_circle_blue chevron_down_grey chevron_down_normal chevron_down_normal_black chevron_down_normal_dark_blue chevron_down_normal_hover_teal chevron_left_bold_dark_blue chevron_left_normal_black chevron_left_normal_white chevron_right_bold_dark_blue chevron_right_normal_black chevron_right_normal_white chevron_right_skinny chevron_up_normal chevron_up_normal_black chevron_up_normal_dark_blue chevron_up_normal_hover_teal circle_1_grey circle_1_teal circle_2_grey circle_2_teal circle_3_grey circle_3_teal clock_black close_x close_x_dark_blue close_x_hover_teal divot_down divot_left divot_left_outline divot_up email_receipts extra_location icon_fraud icon_fraud extra_register extra_users extra_users facebook flag_canada flag_usa form_checkmark form_checkmark_teal form_error_arrow_up google_plus innovation_api innovation_chip innovation_ecommerce 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Credit & Debit Card Industry Code of Conduct

The Code of Conduct for the Credit and Debit Card Industry in Canada was first announced in April 2010 to promote fair business practices and ensure merchants understand the costs associated with accepting card payments. In April 2015, the Government of Canada announced enhancements to the Code including enhanced disclosure for contract terms and merchant fees, additional flexibility for cancellation and renewal terms, and interchange rate reductions.

Moneris has adopted the enhanced Code of Conduct in accordance with the provisions set out by the Government of Canada.

The ability for merchants to accept payments is a critical success factor for their businesses. As an active participant in the government hearings and consultations on the Code of Conduct, we will continue to work with the Government, the Card brands, our merchants and other stakeholders to implement the updates.

Updates to interchange rates effective Spring 2015

Visa and MasterCard, as a commitment to the Government of Canada, announced new, reduced interchange rates effective April 2015. The changes include interchange rate decreases on consumer and premium cards, discounted interchange rates for charities, and new, special category pricing (MasterCard only).

Our commitment to merchants:
Moneris is pleased to incorporate the interchange reductions for qualified merchants. The impact of the rate change will be unique for each customer as the reduction is based on a number of factors that vary across industry sector and the transactions of the individual businesses. In addition to supporting the rate reductions, we remain dedicated to providing transparent and clear information on the costs associated with processing payments.

What merchants can expect from us:
New rates are effective May 1, 2015 or June 1, 2015, depending on your business type. Please check your Moneris statement for specific details about rate updates and how they apply to your account.

To assist you in understanding changes to the calculation of the Interchange Differential fee, please view the updated Interchange Rate Table.

For specific pricing updates, please monitor your monthly merchant statement accessible via Merchant Direct or call 1-866-319-7450

For additional information, please review our Frequently Asked Questions

Committed to providing 90 days notice of fee increases and new fees

Moneris is committed to providing merchants at least 90 days of notice of any fee increases or the introduction of a new fee related to credit or debit transactions. The notice period will allow merchants to assess the impact of the change on their overall processing costs. We support the Code of Conduct’s directive to allow merchants to opt out of their contracts with Moneris, without penalty, within 90 days of notice of the fee increase or the introduction of a ne