{"id":9025,"date":"2026-07-30T08:54:06","date_gmt":"2026-07-30T12:54:06","guid":{"rendered":"https:\/\/geasypay.com\/?p=9025"},"modified":"2026-07-23T10:09:27","modified_gmt":"2026-07-23T14:09:27","slug":"reduce-your-visa-and-mastercard-fees-in-quebec","status":"publish","type":"post","link":"https:\/\/geasypay.com\/en\/reduce-your-visa-and-mastercard-fees-in-quebec\/","title":{"rendered":"Reduce Your Visa and Mastercard Fees in Quebec"},"content":{"rendered":"

It’s a simple question, and almost no one knows the answer. What percentage of your revenue do you pay to accept Visa or Mastercard payments? What are your Visa or Mastercard fees? <\/strong>Not the rate listed on your contract. The actual rate\u2014the one that includes everything: per-transaction fees, monthly fees, terminal rental, compliance fees, and the fine print you\u2019ve never read. <\/p>\n

If you can’t answer within three seconds, you’re not in a position to negotiate. This page is here to change that. Would you rather we do it for you? Send us your latest statement. We’ll calculate your actual rate and let you know if it’s a good deal or not. It’s free and there’s no obligation. <\/p>\n

The truth that few suppliers will tell you<\/h2>\n

The interchange fee is non-negotiable. <\/strong>This is the largest portion of your fees, and it is set by Visa and Mastercard themselves. It compensates the bank that issued your customer\u2019s card. It is the same for everyone, regardless of your provider, and no one in Canada can lower it for you. <\/p>\n

So when an ad promises to \u201creduce your Visa fees<\/em>,\u201d be wary of what it\u2019s implying. It\u2019s taking advantage of the fact that you don\u2019t understand how your fees are structured. What varies from one provider to another isn\u2019t the interchange fee. That’s all that’s been added on top.<\/strong> And here, the differences are significant. If you want to understand in detail how the interchange fee is calculated before continuing, our guide to interchange fees in Canada<\/a> breaks down the mechanism. <\/p>\n

The Five Areas Where Your Money Really Goes<\/h2>\n

Here are the items you can negotiate, listed in order of impact on your bill.<\/p>\n

1. The supplier’s margin.<\/strong> This is the percentage added on top of the interchange fee. It is the most significant and least visible component, because most contracts do not itemize it. <\/p>\n

2. Fixed fees per transaction.<\/strong> A few cents per payment. It may seem insignificant for a single transaction, but it can make a big difference if your average order value is low. A $4 cup of coffee and a $1,200 piece of furniture don\u2019t bear the same burden of fixed costs at all. <\/p>\n

3. Terminal rental.<\/strong> Billed monthly, often for years after the equipment has been depreciated. This is frequently the easiest item to renegotiate. <\/p>\n

4. Recurring monthly fees.<\/strong> Statement fees, PCI compliance fees, service fees, inactivity fees. Taken individually, each one seems insignificant. But when added up over twelve months, they often amount to several hundred dollars. <\/p>\n

5. Penalties and related fees.<\/strong> PCI non-compliance fees, chargeback fees, declined transaction fees. These should almost never appear. If they\u2019re on your statement, there\u2019s a problem to fix\u2014not just a rate to negotiate. <\/p>\n

Read your statement in three minutes<\/h2>\n

Take your most recent monthly statement. You’re looking for four digits\u2014and only four. <\/p>\n