Max Thornton

Canadian rails & regulation August 15, 2026 35 min read

Accepting Interac Debit and e-Transfer: Flat-Fee Economics and Why Canadian Customers Expect Both

For businesses serving Canadian customers, Interac can be an important part of the payment mix. But accepting Interac Debit and accepting Interac e-Transfer are not the same process, and treating them as...

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Canadian rails & regulation August 15, 2026 34 min read

Surcharging in Canada Under the Code of Conduct: Caps, Notice Requirements, and Where It’s Still Banned

Credit card surcharging in Canada is no longer universally prohibited. Eligible merchants can add a surcharge to certain credit card transactions, but the permission comes with important limits involving the card network,...

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Canadian Business Tips April 10, 2026 10 min read

How Canadian Merchants Should Reconcile Refunds, Partial Refunds, and Sales Tax After Settlement

For merchants in Canada, reconciliation should be considered beyond a mere bookkeeping practice, as it is an important procedure that ensures accurate financials and compliance. After a payment is settled, it is...

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