Discover Card Canada Interchange Rates.

Discover is one of the top four credit cards in North American, along with Visa, Mastercard and American Express - and is especially common with younger consumers. By accepting Discover, your customers can pay in-person, by phone and online. Helcim makes it easier and more affordable for your business to accept Discover cards so you can offer your customers a fast, reliable and secure method of payment. We display Discover's Interchange rates on our website as part of our transparent Interchange Plus pricing.

China UnionPay

Established in March 2002, China UnionPay is a bankcard association established under the approval of the State Council and the People's Bank of China. By using Helcim's payment services, you can automatically accept UnionPay cards through the Discover network.

Discover Canada Interchange Rates.

Card-Type Interchange Rate
Swipe/Chip Consumer 1.450 %  
Swipe/Chip Premium 2.050 %  
Swipe/Chip Premium Plus 1.800 %  
Swipe/Chip Commercial 2.000 %  
Keyed Consumer 1.720 %  
Keyed Premium 2.100 %  
Keyed Premium Plus 2.600 %  
Keyed Commercial 2.650 %  
Recurring Payments  
Recurring Consumer 1.370 %  
Recurring Premium 1.600 %  
Recurring Premium Plus 2.050 %  
Recurring Commercial 2.000 %  
Assessments and Association Fees  
Discover Card-Brand 0.071 %  
Discover International Cross-Border (CAD) 0.452 %  

*HST is charged to the acquirer/processor on network card-brand, association and cross-border fees. Discover's listed card-brand fee is 0.063%. Because this is an absorbed cost by the acquirer who are not allowed to claim ITCs in Canada, the HST on the card-brand fee cannot be used as an ITC by the merchant. Does not apply to interchange, per transaction or cost+ fees.

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Better Pricing.

Lower Rates, No Monthly Fees

  • No Contracts
  • Volume Discounts
  • Deposits in 1-2 Business Days
  • No Hidden Fees Whatsoever
  • Visa
  • Mastercard
  • American Express
  • Discover
Average Credit Card Rate
  • PIN Debit
Average PIN-Debit Rate

0.91% + 8¢

  • Interac
Interac Chip & PIN


  • Visa
  • Mastercard
  • American Express
  • Discover
Average Credit Card Rate

2.38% + 25¢

2.47% + 25¢

Discover Our In-Depth Payment Solutions.

  • In-Person Chip, Tap & PIN
  • Card Vault & Tokenization
  • Interchange Plus Pricing
  • International Processing
  • Virtual Terminal
  • USD Processing
  • US PIN Debit Acceptance
  • Apps for Mobile & Desktop
  • Built-In PCI-DSS Compliance
  • Payment Gateway & Dev APIs
  • 1-2 Business Day Deposits
  • Hosted Payment Tools
  • Easy Signup & Setup
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You Deserve Better Payments.

Lower Rates. Better Tools. Amazing Service.

  • Easily Sign Up in Minutes
  • No Hidden Fees or PCI fees
  • Interchange Plus Pricing
  • No Contracts or Commitments
  • Deposits in 1-2 Business Days
  • Friendly Service via Telephone or Email