Charging a service fee or a “convenience fee” 

From Financial Consumer Agency of Canada

According to Visa, MasterCard and American Express merchant rules, merchants generally cannot charge you a service fee when consumers use their credit card. However, Visa, MasterCard and American Express permit eligible merchants to charge a service fee (also known as a convenience fee) for certain types of transactions.

Visa, MasterCard and American Express all require that the fee be clearly disclosed to cardholders before the transaction is completed and that cardholders are able to cancel the transaction without penalty.

Note that under the Code of Conduct for the Credit and Debit Card Industry in Canada, merchants may choose to offer discounts for different payment methods, but they are not required to do so.

Learn more about the Code of Conduct for the Credit and Debit Card Industry in Canada.

For more information on eligible types of transactions, visit the payment card network operators web sites:

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