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Payment terminal and Interac machine
An Interac machine will cost between $20 and $100/month to rent in Quebec in 2026, depending on the model.
Visit fees per Interac debit transactions range from $0.05 to $0.10, or 10 to 20 times less than a credit card transaction. This guide helps you choose the right terminal for your business, with real prices, a comparison of available models and our recommendations by type of business.
At Geasy Pay, we distribute Global Payments terminals, but we also give you the information you need to compare. Because a well-informed merchant makes a better choice.
How much will an Interac machine cost in Quebec in 2026?
The cost of an Interac machine comprises three items: the terminal itself, transaction fees and ancillary costs.
The terminal (purchase or rental): you have two options: buy your terminal or rent it on a monthly basis.
- Monthly rental: $20 to $100/month depending on model. This is the most common option in Quebec. Usually includes maintenance and replacement in case of breakdown. No initial investment.
- Purchase: $300 to $1,200 depending on model. You own the device. No recurring monthly fees for the terminal, and no automatic replacement in the event of failure or obsolescence. You remain responsible for maintenance.
“Free” with contract: Some providers offer the terminal in exchange for a 3 to 5-year contract with higher transaction fees. Beware of early termination penalties ($200 to $500+). Calculate the total duration of the contract before signing.
Transaction fees: this is the main long-term cost, often greater than the terminal itself.
- Interac debit (chip or contactless): $0.05 to $0.10 per transaction (flat fee, regardless of amount). On 200 debit transactions per month, that’s $10 to $20/month.
- Visa/Mastercard credit card: 1.5% to 2.9% of the amount. On a $100 sale, you pay $1.50 to $2.90 in fees. Premium cards (Infinite, World Elite) cost more.
- Contactless payment: Same fees as the card used. The payment method (tap, chip or magnetic stripe) does not change the rate.
Expenses often forgotten
- PCI DSS compliance: $0 to $30/month depending on provider (some include it, others charge extra)
- Monthly statement fee: $5 to $15/month with some suppliers
- Early termination: $200 to $500+ if you leave before the end of the contract
- Receipt paper rental: yes, some suppliers even charge for this ($5 to $10/month).
- Inactivity fee: if you don’t reach a minimum transaction volume.
Which payment terminal is right for your business?
Having an Interac machine offers many advantages for businesses of all sizes, improving transaction efficiency, increasing customer satisfaction, and securing payments.
Retail (boutique, convenience store, grocery store)
What you need: A fixed countertop terminal with display, integrated receipt printer and contactless reader.
Our recommendation: Ingenico Desk 5000 or PAX A80. Reliable, fast, color screen for the customer. Wired connection (Ethernet) for stability.
Budget: $30 to $60/month rental.
Restaurant and bar
What you need: A portable terminal (WiFi or Bluetooth) that the server brings to the table. Must support on-screen tipping and be MEV-Web certified by Revenu Québec.
Our recommendation: Ingenico Move 5000 (portable, WiFi + cellular data backup, touch screen for tips). Connects to your POS system.
Budget: $50 to $100/month rental. Don’t forget the cost of the POS system if you don’t already have one.
Important : Since Bill 72, tips are managed differently in Quebec. Your terminal must be configured correctly. Find out more about Loi 72 →
Mobile commerce (markets, food trucks, delivery)
What you need: A compact terminal with an integrated cellular connection (4G/LTE). It has to work everywhere, even without WiFi.
Our recommendation: Ingenico Move 5000 with SIM card. Sufficient battery life for a full day. Compact size fits in a pocket.
Budget: $40 to $80/month rental (SIM card and data package generally included).
Clinic and professional office (health, beauty, services)
What you need: An unobtrusive terminal at the reception counter, with manual input facility for telephone payments. A virtual terminal can be added for remote payments.
Our recommendation: Ingenico Desk 5000 countertop + virtual terminal for telephone and online payments.
Budget: $30 to $60/month for the physical terminal + $15 to $30/month for the virtual terminal.
Multi-branches and chains
What you need: Identical terminals in all your locations, with a centralized dashboard to view transactions from all branches. Compatibility with your POS system.
Our recommendation: Global Payments terminal fleet with centralized portal. Consolidated reporting, remote management.
Budget: Negotiable according to volume. The more terminals and transactions you have, the better the rates.
Not sure which model to choose?
Simplify your transactions with Global Payments payment terminals
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How much does a payment terminal REALLY cost?
A payment terminal will cost between $20 and $100/month to rent in Quebec in 2026.
Comparison of payment terminal models in Quebec
Having an Interac machine offers many advantages for businesses of all sizes, improving transaction efficiency, increasing customer satisfaction, and securing payments.
Ingenico Move 5000 (portable)
Type: Portable wireless terminal (WiFi + 4G/LTE + Bluetooth)
Display: 3.5-inch, color touchscreen
Connectivity: WiFi, 4G/LTE, Bluetooth, Ethernet
Accepted payments: Chip, contactless (NFC), magnetic stripe, Apple Pay, Google Pay
Strengths: Most versatile. Works everywhere. Touch screen for tips. Dual WiFi + cellular connection so you never lose your connection.
Limitations: More expensive than fixed models. Battery ages after 2-3 years of intensive use.
Ideal for : Restaurants, mobile shops, events, delivery
Approximate rental price: $50 to $100/month
Ingenico Desk 5000 (fixed)
Type: Fixed countertop terminal
Display: 3.5-inch, color touchscreen
Connectivity: Ethernet (wired), WiFi optional
Accepted payments: Chip, contactless (NFC), magnetic stripe, Apple Pay, Google Pay
Strengths: Ultra-stable connection (Ethernet). No batteries to manage. Maximum reliability for intensive counter use. Lower price than laptops.
Limits: Fixed, remains on the counter. Not suitable for payment at the table or on the move.
Ideal for : Retail stores, convenience stores, pharmacies, clinics
Guide price: $30 to $60/month rental
PAX terminals (A80, A920)
Type: Range of Android-based terminals (fixed and mobile)
Screen: Large touchscreen (up to 5 inches on the A920)
Connectivity: Ethernet, WiFi, 4G depending on model
Strengths: Modern, intuitive Android interface. Large screen. Possibility of installing third-party applications. The PAX A920 combines the advantages of a portable terminal and a mini-tablet.
Limitations: Less widespread in Quebec than Ingenico, so fewer technicians familiar with maintenance.
Ideal for : Retailers who want a modern interface and the flexibility of Android
Guide price: $40 to $90/month rental
Always at your side for your success!
Frequently asked questions
How much does an Interac machine cost in Quebec?
An Interac machine will cost between $20 and $100/month to rent in Quebec in 2026, depending on the model. The Ingenico Desk 5000 (fixed) rents for around $30 to $60/month, the Ingenico Move 5000 (portable) for between $50 and $100/month. The purchase price is $300 to $1,200. Then there are the transaction fees: $0.05 to $0.10 per Interac debit transaction, and 1.5% to 2.9% for credit cards.
What's the difference between an Interac machine and a POS system?
The Interac machine (payment terminal) is the physical device that reads the customer’s card and processes the payment. The POS system is the software that manages your entire business: sales, inventory, employees, reports. The Interac machine connects to the POS to process payments, but you can use a terminal alone if you just need to accept cards.
How do I choose the right payment terminal for my business?
It depends on three factors: your type of business (fixed counter or mobile), your transaction volume and your budget. For a retail business with a counter, a fixed terminal (Ingenico Desk 5000) is sufficient at $30-60/month. For a restaurant with table service, a portable terminal (Ingenico Move 5000) is required at $50-100/month. For a mobile business (market, delivery), choose a terminal with integrated cellular connection.
Are Interac debit transaction fees cheaper than credit card fees?
Yes, definitely. An Interac debit transaction costs a flat fee of $0.05 to $0.10, regardless of the amount of the sale. A credit card transaction costs 1.5% to 2.9% of the amount. On a sale of $200, Interac debit costs you ~$0.07, compared with $3 to $5.80 for credit. Over a year with 500 transactions/month at an average of $50, the difference can be as much as $5,000 to $15,000 in fees. See our detailed article →
Do I need a MEV-Web with my Interac machine?
If you’re in the restaurant or bar business in Quebec, yes – it’s mandatory. The MEV-Web (Module d’Enregistrement des Ventes Web) transmits your billing data to Revenu Québec in real time. It integrates with your POS system, not directly with the payment terminal. For the time being, retail outlets are exempt. MEV-Web complete guide →
Can I use an Interac machine without the Internet?
Yes, most modern terminals have an offline mode. Transactions are recorded locally and synchronized when the connection is restored. Portable terminals like the Ingenico Move 5000 have a dual connection (WiFi + 4G cellular) – if the WiFi goes down, the cellular takes over automatically. For outdoor markets or areas with unstable connections, opt for a terminal with an integrated SIM card.
How long does an Interac machine contract last?
Contracts vary from 1 to 5 years, depending on the supplier. Some offer monthly agreements with no commitment. Beware: long contracts (3-5 years) often have a “free” terminal, but high termination fees ($200 to $500+) if you leave early. Geasy Pay offers a 90-day trial period to test the solution before committing. Ask for details →
