Fees

Customer Transaction Surcharges

As a not-for-profit organization, Interac Association does not directly charge fees to customers. The Interac Association member (i.e., the organization that provides the merchant with the payment terminal), in association with the merchant, may impose a customer surcharge for the use of the Interac service.

If the member, in association with the merchant, has decided to impose a surcharge, the surcharge must be properly displayed on the PIN Pad screen, providing customers the option of cancelling the transaction without cost if they do not want to pay the surcharge.

Minimum Purchase Amount Surcharges

Interac Association regulations do not prevent a merchant from imposing a minimum purchase amount for an Interac Direct Payment transaction. If a fee is being imposed on purchases below the minimum purchase amount, the merchant must properly notify the cardholder of the surcharge directly on the PIN Pad screen, so the cardholder has the option of cancelling the transaction without cost.

Surcharging is not a common practice and the decision to levy a surcharge varies from one merchant to another. If you have encountered a surcharge and were not notified of the surcharge directly on the PIN pad screen, please notify us at info@interac.ca and we will investigate the situation.