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Honest Fees

Guides

Straight answers to the questions behind your card fees, from sources like Visa, Mastercard, the Financial Consumer Agency of Canada and the PCI Security Standards Council.

Prices checked October 19, 2026 From providers' own sites How we make money

Card processing comes with its own language. These guides explain it in plain words, quote the card networks, regulators and providers directly, and link to the source every time.

  • What is a chargeback?: how disputes work in Canada, how long you get to respond, the reason codes, and what each provider charges.
  • What is a merchant account?: your own account vs selling under a payment facilitator like Square or Stripe, and your rights under Canada’s Code of Conduct.
  • PCI compliance: what the card security standard asks of a small business, and what Canadian providers charge for it.

Ready to compare real prices? Start with every Canadian provider side by side, or read every fee on a Canadian statement, explained.