Visa Canada Interchange Rates.

Visa is one of the most commonly held and accepted credit cards in the US, Canada and the world. By accepting Visa, your customers can pay in-person, by phone and online. Helcim makes it easier and more affordable for your business to accept Visa cards so you can offer your customers a fast, reliable and secure method of payment. We display Visa's Interchange rates on our website as part of our transparent Interchange Plus pricing.

What is the Visa Interchange?

Interchange is the fee collected by the customer's credit card bank (the Visa card-issuer) on every transaction. These rates are set by Visa every year and apply to all processors. In other words, this is the true cost that the processor has to pay on every transaction. The interchange rates are part of our Interchange Plus pricing. The tables below provide a breakdown of the current Visa interchange rates.

Current Visa Canada Interchange Rates.

Card-Type Interchange Rate
Card-Present  
Swipe/Chip Consumer 1.250 %  
Swipe/Chip Infinite 1.570 %  
Swipe/Chip Corporate 1.900 %  
Swipe/Chip Infinite Privilege 2.080 %  
Keyed  
Keyed Consumer 1.450 %  
Keyed Premium 1.700 %  
Keyed Corporate 2.000 %  
Keyed Infinite Privilege 2.450 %  
Recurring Payments  
Recurring Consumer 1.250 %  
Recurring Infinite 1.530 %  
Recurring Corporate 1.850 %  
Recurring Infinite Privilege 1.950 %  
"Everyday" Independent Business *  
Swipe/Chip Consumer 1.200 %  
Swipe/Chip High-Spend 1.300 %  
Swipe/Chip Corporate 2.000 %  
Swipe/Chip Infinite Privilege 1.950 %  
Restaurant  
Swipe/Chip Consumer 1.200 %  
Swipe/Chip Infinite 1.300 %  
Swipe/Chip Corporate 1.900 %  
Swipe/Chip Infinite Privilege 2.080 %  
Gas and Service Stations  
Swipe/Chip Consumer 1.070 %  
Swipe/Chip Infinite 1.340 %  
Swipe/Chip Corporate 1.800 %  
Swipe/Chip Infinite Privilege 1.950 %  
Groceries and Supermarkets  
Swipe/Chip Consumer 1.00 %  
Swipe/Chip Infinite 1.200 %  
Swipe/Chip Corporate 1.850 %  
Swipe/Chip Infinite Privilege 1.950 %  
Level 2 Data  
Corporate & Purchasing 1.600 %  
Fuel Purchasing Cards 1.800 %  
Level 3 Data  
Corporate & Purchasing 1.400 %  
Large Ticket     $7,000 - $15,000 1.300% + $35  
Large Ticket     $15,000 - $50,000 1.200% + $35  
Large Ticket     $50,000+ 1.100% + $35  
(Debit) Card-Type Interchange Rate
Card-Present  
Debit Retail 0.250 % + 5¢  
Debit Grocery 0.150 % + 5¢  
Debit Gas Station 0.150 % + 5¢  
Keyed  
Debit Keyed 1.150 %  
Debit Utilities 0.000 % + 10¢  
Recurring Payments  
Debit Recurring 0.600 %  
Assessments and Association Fees  
Visa Card-Brand 0.1017 %  
Visa International Cross-Border - Card-Present (CAD) 0.6780 %  
Visa International Cross-Border - Keyed (CAD) 1.1300 %  
Visa International Cross-Border (USD) 1.1300 %  

*HST is charged to the acquirer/processor on network card-brand, association and cross-border fees. Visa listed card-brand fee is 0.090%. 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. Below are list to the official Visa interchange table.

Visa Canada Official Interchange Rates
* Visa Canada "Everyday" Independent Businesses SIC
LIMOUSINES AND TAXICABS 4121  
BOOKS PERIODICALS AND NEWSPAPERS 5192  
HOME SUPPLY WAREHOUSE STORES 5200  
HARDWARE STORES 5251  
LAWN AND GARDEN SUPPLY STORES 5261  
VARIETY STORES 5331  
FREEZER LOCKER MEAT PROVISIONERS 5422  
DAIRY PRODUCTS STORES 5451  
BAKERIES 5462  
MISC FOOD STORE-CONVENIENCE MRKT SPLTY VENDNG MACS 5499  
ALTERATIONS MENDING SEAMSTRESSES TAILORS 5697  
EATING PLACES RESTAURANTS 5812  
FAST FOOD RESTAURANTS 5814  
DRUG STORES PHARMACIES 5912  
BOOK STORES 5942  
NEWS DEALERS AND NEWSSTANDS 5994  
PET SHOPS - PET FOODS AND SUPPLIES 5995  
CLEANING GARMENT AND LAUNDRY SERVICES 7210  
LAUNDRY SERVICES - FAMILY AND COMMERICAL 7211  
DRY CLEANERS 7216  
BARBER AND BEAUTY SHOPS 7230  
HAT CLEANING SHOPS SHOE REPAIR SHOPS SHOE SHINE 7251  
AUTOMOBILE PARKING LOTS AND GARAGES 7523  
CAR WASHES 7542  
curve decoration

Better Pricing,
Lower Rates.

$

First Month Is On Us!

20

/monthly

First Month Is On Us!

We want to help small businesses get back on their feet, so we're waiving our $20 monthly fee for your first month - no questions asked. You get full access to all of our tools, as well as our great low processing rates.

  • No Contracts
  • Volume Discounts
  • Deposits in 1-2 Business Days
  • Auto-Pause Billing
  • Visa
  • Mastercard
  • American Express
  • Discover
Average Credit Card Rate
  • PIN Debit
Average PIN-Debit Rate

0.91% + 8¢

  • Interac
Interac Chip & PIN

9¢

  • 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
  • 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
Show More
  • Unicef
  • Michelin
  • Mavi
  • Techvibes
  • YMCA
  • Got Junk?

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