Free tool
Credit card surcharge calculator for Canada
Merchants outside Quebec can add a surcharge to credit card payments, within limits. Enter a bill and your actual card cost to see the most you can charge.
From your processing statement.
Your results
- Most you can surcharge
- 2.1%
- Surcharge on this bill
- $2.10
- Total with surcharge
- $102.10
A surcharge can’t exceed 2.4% or your actual cost to accept the card, whichever is lower. It must be disclosed to guests before they pay, and some card networks require notice before you start.
How it works
- The surcharge can’t be more than 2.4% or your actual cost to accept the card, whichever is lower.
- Debit and prepaid cards can’t be surcharged, and surcharging isn’t permitted in Quebec.
- Guests must be told about the surcharge before they pay, in store and online.
Sources (checked November 2026)
This tool gives general information, not legal or tax advice. Rules can change, so confirm what applies to your business.
Estimate your savings on card fees
Compare what you pay today with Moneris preferred pricing for Platter customers. It takes about a minute.
Learn moreCredit card surcharge calculator questions
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