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Interchange Rates

Provided below are links to Interchange rates as set out by the Payment Card Networks (e.g., Visa Canada, Mastercard Canada etc.) for processing credit/debit card payments. The rates that apply to you are based on your primary business. Your specific rates are based on the product / service category where most of your sales fall into. For a complete listing of business descriptions for each Interchange category, click the applicable category name below. Then click the related PDF under the respective category name for the corresponding Interchange rates.

Existing Interchange Rates

The PDFs below contain interchange Rates and Fees that are currently in effect.

Everyday Needs Category View details	Charity/Emerging Segment Category View details	Gas Category View details	Grocery Category View details	Standard/General Business Category View details
Alterations, Mending, Seamstresses and Tailors Automobile Parking Lots and Garages Bakeries Barber and Beauty Shops Book Stores Books, Periodicals and Newspapers Car Washes Cleaning Garment and Laundry Services Dairy Products Stores Selling Packaged Dairy Products Drug Stores and Pharmacies Dry Cleaners Eating Places and Restaurants Offering Table Service Fast Food Restaurants Freezer Locker Meat Provisioners Selling Fresh or Frozen Meat and Seafood Hardware Stores Hat Cleaning Shops, Shoe Repair Shops and Shoe Shine Home Supply Warehouse Stores Laundry Services – Family and Commercial Lawn and Garden Supply Stores Limousines and Taxicabs Miscellaneous Food Stores, Convenience Markets and Vending Machines Selling Specialty Foods Items News Dealers and Newsstands Pet Shops: Pet Foods and Supplies Variety Stores	Charitable and Social Service Organizations	Service Stations(with or without Ancillary Services) Automated Fuel Dispenser	Grocery Stores and Supermarkets	If your business doesn't fall in any of the other categories, the Standard category Interchange Rates as set by the Networks apply.

New Small Business Program Interchange Rates

The PDFs below contain interchange rates and fees that take effect on October 17, 2024, for Qualifying Small Business Merchants. According to the Ministry of Finance, a Qualifying Small Business Merchant is a Merchant who processes less than $300,000 in Visa transaction volumes annually, and $175,000 in Mastercard transaction volumes annually.

Everyday Needs Category View details	Charity/Emerging Segment Category View details	Gas Category View details	Grocery Category View details	Standard/General Business Category View details
Alterations, Mending, Seamstresses and Tailors Automobile Parking Lots and Garages Bakeries Barber and Beauty Shops Book Stores Books, Periodicals and Newspapers Car Washes Cleaning Garment and Laundry Services Dairy Products Stores Selling Packaged Dairy Products Drug Stores and Pharmacies Dry Cleaners Eating Places and Restaurants Offering Table Service Fast Food Restaurants Freezer Locker Meat Provisioners Selling Fresh or Frozen Meat and Seafood Hardware Stores Hat Cleaning Shops, Shoe Repair Shops and Shoe Shine Home Supply Warehouse Stores Laundry Services – Family and Commercial Lawn and Garden Supply Stores Limousines and Taxicabs Miscellaneous Food Stores, Convenience Markets and Vending Machines Selling Specialty Foods Items News Dealers and Newsstands Pet Shops: Pet Foods and Supplies Variety Stores	Charitable and Social Service Organizations	Service Stations(with or without Ancillary Services) Automated Fuel Dispenser	Grocery Stores and Supermarkets	If your business doesn't fall in any of the other categories, the Standard category Interchange Rates as set by the Networks apply.

Changes to Visa Domestic Debit Interchange Program Rates

The PDFs below contain interchange rates and fees that take effect on January 1, 2025, for Visa’s Canadian Domestic Debit Interchange program (Card Present Electronic and Industry Program for Gas and Grocery).

Interchange Rates for Qualified Small Business Merchants

Everyday Needs Category View details	Charity/Emerging Segment Category View detailsView details	Gas Category View details	Grocery Category View details	Standard/General Business Category
Alterations, Mending, Seamstresses and Tailors Automobile Parking Lots and Garages Bakeries Barber and Beauty Shops Book Stores Books, Periodicals and Newspapers Car Washes Cleaning Garment and Laundry Services Dairy Products Stores Selling Packaged Dairy Products Drug Stores and Pharmacies Dry Cleaners Eating Places and Restaurants Offering Table Service Fast Food Restaurants Freezer Locker Meat Provisioners Selling Fresh or Frozen Meat and Seafood Hardware Stores Hat Cleaning Shops, Shoe Repair Shops and Shoe Shine Home Supply Warehouse Stores Laundry Services – Family and Commercial Lawn and Garden Supply Stores Limousines and Taxicabs Miscellaneous Food Stores, Convenience Markets and Vending Machines Selling Specialty Foods Items News Dealers and Newsstands Pet Shops: Pet Foods and Supplies Variety Stores	Charitable and Social Service Organizations	Service Stations(with or without Ancillary Services) Automated Fuel Dispenser	Grocery Stores and Supermarkets	If your business doesn't fall in any of the other categories, the Standard category Interchange Rates as set by the Networks apply.

Interchange Rates for Non-Qualified Small Business Merchants

Everyday Needs Category View details	Charity/Emerging Segment Category View detailsView details	Gas Category View details	Grocery Category View details	Standard/General Business Category
Alterations, Mending, Seamstresses and Tailors Automobile Parking Lots and Garages Bakeries Barber and Beauty Shops Book Stores Books, Periodicals and Newspapers Car Washes Cleaning Garment and Laundry Services Dairy Products Stores Selling Packaged Dairy Products Drug Stores and Pharmacies Dry Cleaners Eating Places and Restaurants Offering Table Service Fast Food Restaurants Freezer Locker Meat Provisioners Selling Fresh or Frozen Meat and Seafood Hardware Stores Hat Cleaning Shops, Shoe Repair Shops and Shoe Shine Home Supply Warehouse Stores Laundry Services – Family and Commercial Lawn and Garden Supply Stores Limousines and Taxicabs Miscellaneous Food Stores, Convenience Markets and Vending Machines Selling Specialty Foods Items News Dealers and Newsstands Pet Shops: Pet Foods and Supplies Variety Stores	Charitable and Social Service Organizations	Service Stations(with or without Ancillary Services) Automated Fuel Dispenser	Grocery Stores and Supermarkets	If your business doesn't fall in any of the other categories, the Standard category Interchange Rates as set by the Networks apply.

Need help?

If you have questions or are uncertain about what Interchange Rates apply to you, we encourage you to call us at 1-800-363-1163. Final confirmation of rates that apply to you will be sent to you at the time of set-up. Rates are not applicable when processing debit and credit transactions with us using our TD Mobile POS terminal or TD Mobile Pay terminal.

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