{"id":741109,"date":"2019-06-20T22:00:53","date_gmt":"2019-06-21T02:00:53","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=741109"},"modified":"2025-09-11T16:54:35","modified_gmt":"2025-09-11T20:54:35","slug":"debit-card-service-fees","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees","title":{"rendered":"Debit card service fees"},"content":{"rendered":"<p>While service fees (also sometimes referred to as convenience fees) can apply to both debit and credit card transactions, they&#8217;re rarely charged in Canada. This is because card providers such as Visa, Mastercard and Amex typically don&#8217;t allow merchants to add an additional charge. Only a few eligible merchants can legally charge this fee on certain types of transactions in Canada.<\/p><h3><a id=\"what\"><\/a>What are service fees or &#8220;convenience fees&#8221;?<\/h3><p>Whenever you buy goods or services using a debit, credit or prepaid card, the merchant will incur its own bank costs for processing that payment. Since service fees can&#8217;t be charged by most merchants in Canada, some merchants will cover processing costs by charging a higher price for their goods or services.<\/p><p>Meanwhile, eligible merchants are allowed to cover the costs by imposing a service fee, or convenience fee, on card-based transactions. This may apply to either debit or credit card transactions.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">Comprehensive guide to the best debit cards in Canada<\/a>\n<\/div>\n<\/article><h3><a id=\"when\"><\/a>When are service fees allowed to be charged?<\/h3><p>Merchants or ATM operators can charge a service fee under these circumstances:<\/p><ul><li><strong>The merchant or transaction is eligible.<\/strong> Each card provider has its own rules regarding which types of merchants or transactions can charge service fees. For example, Visa allows real estate agents, post-secondary institutions, childcare businesses and utilities companies (among several other types of businesses) to impose a fee for cardless transactions. This fee is capped at around 1.5%, depending on whether debit or credit is used. Rules vary between providers, so visit your card provider&#8217;s website for more information.<\/li><li><strong>Prior notification.<\/strong> You&#8217;re notified of the fee before you enter your PIN and confirm the charge.<\/li><li><strong>Option to cancel.<\/strong> They give you the opportunity to cancel your transaction at no cost if you choose to do so.<\/li><\/ul><p>Remember that most merchants in Canada cannot legally charge a service fee unless they&#8217;re considered &#8220;eligible&#8221; under the card provider&#8217;s rules.<\/p><h3>Common debit card fees<\/h3><p>Here are some other types of fees associated with debit cards.<\/p><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"width: 20%;\" scope=\"col\">Fee<\/th><th style=\"width: 20%;\" scope=\"col\">Typical cost<\/th><th style=\"width: 60%;\" scope=\"col\">Fee description<\/th><\/tr><\/thead><tbody><tr><td>Monthly chequing account fee<\/td><td>$0\u2013$30.95<\/td><td>Many chequing accounts come with a monthly fee that can often be waived if you maintain a minimum balance or choose a higher-tier account.<\/td><\/tr><tr><td>NSF fee<\/td><td>$10\u2013$45 per instance<\/td><td>If a payment is declined due to insufficient funds, you may have to pay a fee for the returned transaction.<\/td><\/tr><tr><td>Out-of-network ATM fees<\/td><td>$0\u2013$9<\/td><td>When you use an ATM outside your bank&#8217;s network, you may be charged two separate fees: one from your bank and another from the ATM operator.<\/td><\/tr><tr><td>Transaction fees<\/td><td>$0\u2013$5 per transaction<\/td><td>Some accounts include a set number of free transactions per month, such as withdrawals or Interac payments. Additional transactions may incur a per-transaction fee.<\/td><\/tr><tr><td>Interac e-Transfer fees<\/td><td>$0\u2013$1.50 per transfer<\/td><td>Sending or requesting money by e-transfer may be free within limits, but some accounts charge a per-transfer fee.<\/td><\/tr><tr><td>Foreign transaction and conversion fees<\/td><td>1%\u20133% of transaction amount<\/td><td>When using your debit card abroad or for purchases in another currency, banks usually charge a foreign transaction fee plus any currency conversion costs.<\/td><\/tr><tr><td>Overdraft fees<\/td><td>$5\u2013$40 per instance<\/td><td>If a transaction makes your account balance negative, your bank may charge an overdraft fee and apply daily interest until it&#8217;s repaid. To avoid this charge, some banks offer overdraft protection for a monthly or per-use fee.<\/td><\/tr><\/tbody><\/table><h3>How do I report a merchant that is improperly charging a service fee?<\/h3><p>If you believe a merchant is charging a service fee in violation of a card provider&#8217;s rules, contact the card provider directly or reach out to your <a href=\"http:\/\/www.ic.gc.ca\/eic\/site\/oca-bc.nsf\/eng\/ca02982.html\" target=\"_blank\" rel=\"noopener noreferrer\">provincial or territorial consumer affairs office<\/a> to file a report.<\/p><h3><a id=\"how\"><\/a>How do I avoid paying a service fee?<\/h3><p>If you come across an eligible merchant who can legally charge a service fee, you can avoid paying the fee by:<\/p><ul><li>Using a different means of payment: merchants may avoid incurring a fee by accepting alternative forms of payment such as cash or cheque.<\/li><li>Visiting a merchant or an <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/atm-near-me\" rel=\"noopener noreferrer\">ATM operator who doesn&#8217;t charge a service fee.<\/a><\/li><\/ul><h3><a id=\"pay\"><\/a>What about if I use payWave or Tap &amp; Go?<\/h3><p>If you use the tap &amp; go feature on your debit card, you may still face a service fee when paying for a product or service at an eligible merchant. They&#8217;ll need to inform you of the charge before you make your payment.<\/p><p>If an eligible merchant charges a service fee for the use of credit cards only, and you make a tap &amp; go payment with your debit card, you may still face a service fee. This is due to the fact that tap &amp; go transactions, or contactless payments such as Visa&#8217;s payWave or MasterCard&#8217;s Tap &amp; Go, are processed through the same system used for credit card transactions\u2014so even if you tap &amp; go using your debit card, you may be hit with a credit card service fee.<\/p><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Dive deeper: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">The pros and cons of tap and go<\/a>\n<\/div>\n<\/article><h3>How much does a debit card cost?<\/h3><p>Debit cards are typically included for free with a chequing account but if you need a replacement for a lost, stolen or damaged card, you&#8217;ll have to pay between $5 and $25, depending on the bank.<\/p><h3>Are merchants allowed to set a minimum purchase amount to use a debit or credit card?<\/h3><p>Yes, some merchants will have a minimum purchase amount that you must meet in order to use your debit or credit card. This ensures they themselves can cover the cost of the transaction since most merchants cannot charge a service fee. This minimum amount is usually around $5.<\/p><h3>What factors are important for Canadians when opening a new bank account?<\/h3><p>If you want to avoid common debit card fees, you&#8217;re not alone. Our <strong>Finder: Consumer Sentiment Survey January 2025<\/strong> showed that minimizing fees is the top priority for Canadians choosing a new bank account, with 65% looking for no or low monthly fees, over 51% seeking no or low transaction fees and 40% wanting free Interac e-Transfers.<\/p><iframe id=\"datawrapper-chart-SxnZ0\" title=\"What are the top three features that are important to you when choosing a new bank account?\" width=\"100%\" height=\"427\"  scrolling=\"yes\" aria-label=\"Bar Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/SxnZ0\/1\/\" style=\"border: none;\" loading=\"lazy\"><\/iframe><h3>Bottom line<\/h3><p>While most merchants cannot legally impose service fees, a few eligible businesses may do so, but these charges must be clearly disclosed before payment. By knowing what fees to expect and how to avoid unnecessary charges, you can make informed choices about which accounts and payment methods work best for you.<\/p><h3><a id=\"faq\"><\/a>Debit card service fees FAQs<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Can merchants increase the price when you pay with a debit or credit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>No, unless they're an eligible merchant who's allowed to add a service charge for paying with plastic. That said, merchants are allowed to give discounts for different payment methods. For example, this is why you may see gas prices listed cheaper when you pay with cash rather than credit or debit.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Can merchants charge less when you pay with a certain payment network?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>Yes, a merchant may decide to give you a discount if you pay with a Visa instead of a Mastercard or American Express, or vice versa. They cannot, however, increase the price when you pay with a certain network provider unless they're an eligible merchant who can legally add a service fee.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Are service fees, convenience fees and surcharges the same thing?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>Service fees, also called convenience fees, can be charged by eligible merchants in Canada on specific types of transactions. They cover the costs of processing a debit or credit payment and are usually charged as a fixed cost (for example, $2.50 for all payment networks). Eligible merchants usually include businesses that typically wouldn't accept debit or credit, and ATM operators if you don't belong to their network.<\/p><p>Surcharges are different from service fees. Merchants may charge them because you use a premium credit card that may cost the merchant a higher processing fee or because you use a specific payment network, such as American Express.<\/p><p>Surcharges are capped at 2.4%, cannot be combined with service fees and are generally not allowed on debit card transactions.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Can I face a service fee or surcharge if I pay with my debit or credit card overseas?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>Yes, if surcharges and service fees are legal in the country you're travelling in, then you could face these fees. If you shop online with an overseas retailer, you could also face a service fee or a surcharge.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000004\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000004\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>Convenience fees can apply to debit card transactions as well as credit card payments, but only a small number of select merchants can legally charge them in Canada.<\/p>\n","protected":false},"author":452,"featured_media":1063931,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Debit card service fees","_yoast_wpseo_title":"Debit Card Service Fees: What you Need to Know | Finder Canada","_yoast_wpseo_metadesc":"Service fees (or convenience fees) can be charged on debit and credit card transactions. Most sellers can't charge this fee\u2014but some can.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"1395","post_co_author_date":"2025-09-11T16:54:37","post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2025-09-11 20:51:54\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this entire guide with more detailed information about debit card service fees.\"}","_last_major_update":"{\"isOn\":true,\"date\":\"11\/02\/2020\"}","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":""},"categories":[5885],"tags":[5548,2231,5439],"asset_tag":[],"class_list":["post-741109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debit-cards","tag-debit-card","tag-fees","tag-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Debit Card Service Fees: What you Need to Know | Finder Canada<\/title>\n<meta name=\"description\" content=\"Service fees (or convenience fees) can be charged on debit and credit card transactions. Most sellers can&#039;t charge this fee\u2014but some can.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debit card service fees\" \/>\n<meta property=\"og:description\" content=\"Service fees (or convenience fees) can be charged on debit and credit card transactions. Most sellers can&#039;t charge this fee\u2014but some can.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-21T02:00:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2025\/08\/WomanHoldingCreditCard_Supplied_1800x1000.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Emma Balmforth\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emma Balmforth\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees\"},\"author\":[{\"name\":\"Emma Balmforth\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/bfddbe38fd9e7ed027d3bd4980d7384f\"},{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/dac978d814ec5930cc37687e07dc2c41\"}],\"headline\":\"Debit card service fees\",\"datePublished\":\"2019-06-21T02:00:53+00:00\",\"dateModified\":\"2025-09-11T16:51:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees\"},\"wordCount\":1526,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/08\\\/WomanHoldingCreditCard_Supplied_1800x1000.jpg\",\"articleSection\":[\"Debit Cards\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees#respond\"]}],\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Government of Canada: ATM fees\",\"url\":\"https:\\\/\\\/www.canada.ca\\\/en\\\/financial-consumer-agency\\\/services\\\/banking\\\/atm-fees.html\"},{\"@type\":\"CreativeWork\",\"name\":\"Government of Canada: Using debit cards\",\"url\":\"https:\\\/\\\/www.canada.ca\\\/en\\\/financial-consumer-agency\\\/services\\\/banking\\\/using-debit.html\"},{\"@type\":\"CreativeWork\",\"name\":\"Government of Canada: Merchant surcharges, service and convenience fees, and discounts\",\"url\":\"https:\\\/\\\/www.canada.ca\\\/en\\\/financial-consumer-agency\\\/services\\\/merchants\\\/credit-fees-merchant.html\"}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees\",\"name\":\"Debit Card Service Fees: What you Need to Know | Finder Canada\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/08\\\/WomanHoldingCreditCard_Supplied_1800x1000.jpg\",\"datePublished\":\"2019-06-21T02:00:53+00:00\",\"dateModified\":\"2025-09-11T16:51:54+00:00\",\"description\":\"Service fees (or convenience fees) can be charged on debit and credit card transactions. Most sellers can't charge this fee\u2014but some can.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees#primaryimage\",\"url\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/08\\\/WomanHoldingCreditCard_Supplied_1800x1000.jpg\",\"contentUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/08\\\/WomanHoldingCreditCard_Supplied_1800x1000.jpg\",\"width\":1800,\"height\":1000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\\\/debit-card-service-fees#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"CA\",\"item\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Banking\",\"item\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Debit Cards\",\"item\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/banking\\\/debit-cards\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Debit card service fees\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#website\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/\",\"name\":\"Finder Canada\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/05\\\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/en.wikipedia.org\\\/wiki\\\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/bfddbe38fd9e7ed027d3bd4980d7384f\",\"name\":\"Emma Balmforth\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2021\\\/07\\\/EmmaBalmforth_Finder_600x600.jpg\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2021\\\/07\\\/EmmaBalmforth_Finder_600x600.jpg\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2021\\\/07\\\/EmmaBalmforth_Finder_600x600.jpg\",\"caption\":\"Emma Balmforth\"},\"description\":\"Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/emma-balmforth-18947598\"],\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/author\\\/emmabalmforth\",\"jobTitle\":\"Producer\",\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Personal Loans\"},{\"@type\":\"Thing\",\"name\":\"Car Loans\"},{\"@type\":\"Thing\",\"name\":\"Business Loans\"}],\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#\\\/schema\\\/person\\\/dac978d814ec5930cc37687e07dc2c41\",\"name\":\"Rebecca Low\",\"description\":\"Rebecca Low is a writer for Finder. She has contributed to a range of digital publications, including income.ca, Indeed, and Expatden, writing on topics like personal finance, career development, and travel. Rebecca also brings a strong editorial background to her work, as she\u2019s an experienced non-fiction book editor with the Ultimate 48 Hour Author.\\r\\nShe holds an Honours Bachelor of Arts in English, linguistics, and book & media studies from Canada\u2019s top university, the University of Toronto.\\r\\nShe\u2019s passionate about crafting content that informs and inspires readers, and when she\u2019s not writing, she\u2019s usually abroad or planning her next trip!\",\"jobTitle\":\"Writer\",\"url\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/author\\\/rebeccalow\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/04\\\/RebeccaLow_Suppplied_600x600.jpg06b315600e5b99aa6137127986cb87b5\",\"url\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/04\\\/RebeccaLow_Suppplied_600x600.jpg\",\"contentUrl\":\"https:\\\/\\\/www.finder.com\\\/finder-us\\\/wp-uploads\\\/sites\\\/5\\\/2025\\\/04\\\/RebeccaLow_Suppplied_600x600.jpg\",\"caption\":\"Rebecca Low\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/ca\\\/#organization\",\"name\":\"Finder\"}},{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"name\":\"Frequently Asked Questions\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Can merchants increase the price when you pay with a debit or credit card?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rNo, unless they're an eligible merchant who's allowed to add a service charge for paying with plastic. That said, merchants are allowed to give discounts for different payment methods. For example, this is why you may see gas prices listed cheaper when you pay with cash rather than credit or debit.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"Can merchants charge less when you pay with a certain payment network?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rYes, a merchant may decide to give you a discount if you pay with a Visa instead of a Mastercard or American Express, or vice versa. They cannot, however, increase the price when you pay with a certain network provider unless they're an eligible merchant who can legally add a service fee.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"Are service fees, convenience fees and surcharges the same thing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rService fees, also called convenience fees, can be charged by eligible merchants in Canada on specific types of transactions. They cover the costs of processing a debit or credit payment and are usually charged as a fixed cost (for example, $2.50 for all payment networks). Eligible merchants usually include businesses that typically wouldn't accept debit or credit, and ATM operators if you don't belong to their network.\\r\\rSurcharges are different from service fees. Merchants may charge them because you use a premium credit card that may cost the merchant a higher processing fee or because you use a specific payment network, such as American Express.\\r\\rSurcharges are capped at 2.4%, cannot be combined with service fees and are generally not allowed on debit card transactions.\\r\\r\"}},{\"@type\":\"Question\",\"name\":\"Can I face a service fee or surcharge if I pay with my debit or credit card overseas?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\r\\rYes, if surcharges and service fees are legal in the country you're travelling in, then you could face these fees. If you shop online with an overseas retailer, you could also face a service fee or a surcharge.\\r\\r\"}}]}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2025-09-11T16:51:54+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Debit Card Service Fees: What you Need to Know | Finder Canada","description":"Service fees (or convenience fees) can be charged on debit and credit card transactions. Most sellers can't charge this fee\u2014but some can.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees","og_locale":"en_US","og_type":"article","og_title":"Debit card service fees","og_description":"Service fees (or convenience fees) can be charged on debit and credit card transactions. Most sellers can't charge this fee\u2014but some can.","og_url":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees","og_site_name":"Finder Canada","article_published_time":"2019-06-21T02:00:53+00:00","og_image":[{"width":1800,"height":1000,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2025\/08\/WomanHoldingCreditCard_Supplied_1800x1000.jpg","type":"image\/jpeg"}],"author":"Emma Balmforth","twitter_misc":{"Written by":"Emma Balmforth","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees#article","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees"},"author":[{"name":"Emma Balmforth","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/bfddbe38fd9e7ed027d3bd4980d7384f"},{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/dac978d814ec5930cc37687e07dc2c41"}],"headline":"Debit card service fees","datePublished":"2019-06-21T02:00:53+00:00","dateModified":"2025-09-11T16:51:54+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees"},"wordCount":1526,"commentCount":0,"publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2025\/08\/WomanHoldingCreditCard_Supplied_1800x1000.jpg","articleSection":["Debit Cards"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees#respond"]}],"citation":[{"@type":"CreativeWork","name":"Government of Canada: ATM fees","url":"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/atm-fees.html"},{"@type":"CreativeWork","name":"Government of Canada: Using debit cards","url":"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/banking\/using-debit.html"},{"@type":"CreativeWork","name":"Government of Canada: Merchant surcharges, service and convenience fees, and discounts","url":"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/merchants\/credit-fees-merchant.html"}]},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees","url":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees","name":"Debit Card Service Fees: What you Need to Know | Finder Canada","isPartOf":{"@id":"https:\/\/www.finder.com\/ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2025\/08\/WomanHoldingCreditCard_Supplied_1800x1000.jpg","datePublished":"2019-06-21T02:00:53+00:00","dateModified":"2025-09-11T16:51:54+00:00","description":"Service fees (or convenience fees) can be charged on debit and credit card transactions. Most sellers can't charge this fee\u2014but some can.","breadcrumb":{"@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2025\/08\/WomanHoldingCreditCard_Supplied_1800x1000.jpg","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2025\/08\/WomanHoldingCreditCard_Supplied_1800x1000.jpg","width":1800,"height":1000},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/ca\/banking\/debit-cards\/debit-card-service-fees#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"CA","item":"https:\/\/www.finder.com\/ca\/"},{"@type":"ListItem","position":2,"name":"Banking","item":"https:\/\/www.finder.com\/ca\/banking"},{"@type":"ListItem","position":3,"name":"Debit Cards","item":"https:\/\/www.finder.com\/ca\/banking\/debit-cards"},{"@type":"ListItem","position":4,"name":"Debit card service fees"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/ca\/#website","url":"https:\/\/www.finder.com\/ca\/","name":"Finder Canada","description":"","publisher":{"@id":"https:\/\/www.finder.com\/ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/ca\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/bfddbe38fd9e7ed027d3bd4980d7384f","name":"Emma Balmforth","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/07\/EmmaBalmforth_Finder_600x600.jpg","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/07\/EmmaBalmforth_Finder_600x600.jpg","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2021\/07\/EmmaBalmforth_Finder_600x600.jpg","caption":"Emma Balmforth"},"description":"Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog.","sameAs":["https:\/\/www.linkedin.com\/in\/emma-balmforth-18947598"],"url":"https:\/\/www.finder.com\/ca\/author\/emmabalmforth","jobTitle":"Producer","knowsAbout":[{"@type":"Thing","name":"Banking"},{"@type":"Thing","name":"Personal Loans"},{"@type":"Thing","name":"Car Loans"},{"@type":"Thing","name":"Business Loans"}],"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/ca\/#\/schema\/person\/dac978d814ec5930cc37687e07dc2c41","name":"Rebecca Low","description":"Rebecca Low is a writer for Finder. She has contributed to a range of digital publications, including income.ca, Indeed, and Expatden, writing on topics like personal finance, career development, and travel. Rebecca also brings a strong editorial background to her work, as she\u2019s an experienced non-fiction book editor with the Ultimate 48 Hour Author.\r\nShe holds an Honours Bachelor of Arts in English, linguistics, and book & media studies from Canada\u2019s top university, the University of Toronto.\r\nShe\u2019s passionate about crafting content that informs and inspires readers, and when she\u2019s not writing, she\u2019s usually abroad or planning her next trip!","jobTitle":"Writer","url":"https:\/\/www.finder.com\/ca\/author\/rebeccalow","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg06b315600e5b99aa6137127986cb87b5","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/5\/2025\/04\/RebeccaLow_Suppplied_600x600.jpg","caption":"Rebecca Low"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/ca\/#organization","name":"Finder"}},{"@context":"https:\/\/schema.org","@type":"FAQPage","name":"Frequently Asked Questions","mainEntity":[{"@type":"Question","name":"Can merchants increase the price when you pay with a debit or credit card?","acceptedAnswer":{"@type":"Answer","text":"\r\rNo, unless they're an eligible merchant who's allowed to add a service charge for paying with plastic. That said, merchants are allowed to give discounts for different payment methods. For example, this is why you may see gas prices listed cheaper when you pay with cash rather than credit or debit.\r\r"}},{"@type":"Question","name":"Can merchants charge less when you pay with a certain payment network?","acceptedAnswer":{"@type":"Answer","text":"\r\rYes, a merchant may decide to give you a discount if you pay with a Visa instead of a Mastercard or American Express, or vice versa. They cannot, however, increase the price when you pay with a certain network provider unless they're an eligible merchant who can legally add a service fee.\r\r"}},{"@type":"Question","name":"Are service fees, convenience fees and surcharges the same thing?","acceptedAnswer":{"@type":"Answer","text":"\r\rService fees, also called convenience fees, can be charged by eligible merchants in Canada on specific types of transactions. They cover the costs of processing a debit or credit payment and are usually charged as a fixed cost (for example, $2.50 for all payment networks). Eligible merchants usually include businesses that typically wouldn't accept debit or credit, and ATM operators if you don't belong to their network.\r\rSurcharges are different from service fees. Merchants may charge them because you use a premium credit card that may cost the merchant a higher processing fee or because you use a specific payment network, such as American Express.\r\rSurcharges are capped at 2.4%, cannot be combined with service fees and are generally not allowed on debit card transactions.\r\r"}},{"@type":"Question","name":"Can I face a service fee or surcharge if I pay with my debit or credit card overseas?","acceptedAnswer":{"@type":"Answer","text":"\r\rYes, if surcharges and service fees are legal in the country you're travelling in, then you could face these fees. If you shop online with an overseas retailer, you could also face a service fee or a surcharge.\r\r"}}]}]},"article_modified_time":"2025-09-11T16:51:54+00:00"},"custom_fields":{"show_author_box":["yes"],"_content_type":["niche-content\/information\/what-is"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"Using either a debit or a credit card can result in a service fee&mdash;but most merchants can&#039;t legally charge them in Canada.\"}"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/741109","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/users\/452"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/comments?post=741109"}],"version-history":[{"count":10,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/741109\/revisions"}],"predecessor-version":[{"id":1064548,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/posts\/741109\/revisions\/1064548"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media\/1063931"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/media?parent=741109"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/categories?post=741109"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/tags?post=741109"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/ca\/wp-json\/wp\/v2\/asset_tag?post=741109"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}