Set by Interac
Unlike credit card interchange rates, Interac charges flat per-transaction network fees rather than percentage-based interchange. These fees are set by Interac Corp. and apply uniformly to all processors.
Interac Debit Rates Canada.
Interac Debit is Canada's primary debit card network and is a great low-cost payment method for businesses accepting in-person transactions. Merchants using the Helcim Card Reader can easily accept Chip & Tap Interac transactions. We display Interac wholesale network fees on our website as part of our transparent Interchange Plus pricing.
Lowest Cost Option
Interac Debit has zero interchange on standard chip-insert transactions and only small flat fees on contactless (Flash) transactions — making it the lowest-cost payment method for Canadian merchants.
Full Transparency
With Interchange Plus, you see the exact interchange cost on your statement. Helcim only adds a small, transparent margin on top.
Canada
Interac Network Fees
Interac Debit does not charge traditional percentage-based interchange rates. Instead, the network charges small flat fees per transaction. Standard chip-insert transactions have zero interchange, while contactless (Flash) transactions carry a small per-transaction fee.
Fee Type
Amount
Interac Debit (non-flash transactions)
$0.00
Interac Flash — Standard Merchant Base
$0.035
Interac Flash — QSR, Theaters, Convenience Stores, Vending, Newsstands, Limousines & Cabs
$0.02
Interac Flash — Transactions from $100.01 to $250
$0.055
Interac Debit Switch Fee ¹
$0.0158
Notes
1 HST is charged to the acquirer/processor on network card-brand and switch fees. Interac's listed card-brand fee is $0.0158. Because this is an absorbed cost by the acquirer who is not allowed to claim ITCs in Canada, the HST on the card-brand fee cannot be used as an ITC by the merchant. This does not apply to interchange, per-transaction, or cost+ fees.
Transparent pricing. Always.
With Interchange Plus pricing, you see exactly what goes to the card network and what goes to Helcim. No hidden markups, no bundled rates, no surprises on your statement.
No hidden fees
Interchange Plus Pricing
No contracts
The Helcim promise