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Interchange Rates

Provided below, are links to the Interchange Rates set by the payment networks (Visa Canada, Mastercard Canada etc) (collectively, the "Networks"), for processing credit card payments.

The rates that apply to you are based on your primary business. Your specific rates are based on the product/service where the majority of your sales fall into. For a complete listing of business descriptions for each Interchange category that your sales may fall into, click on the category name below. To view the Interchange Rates that are applicable to you, click on the PDF icon below the category name.

The below information is for current rates for each Interchange Category:

Everyday Needs/Spend Category View details

Charity/Emerging Segment Category View details

Gas/Petroleum Category View details

Grocery/Supermarket 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.

The below information is for the new rates for each Interchange Category which are effective in April and/or May 2020:

Everyday Needs/Spend Category View details

Charity/Emerging Segment Category View details

Gas/Petroleum Category View details

Grocery/Supermarket 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.

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.