Notices and Announcements

Notices
Announcements
Non-Compliance Fees
Archive – 2021 or earlier

Tipping in Quebec

Effective Date: May 7, 2025

Effective May 7, 2025, the province of Quebec amended the Quebec Consumer Protection Act (Bill 72) and put in place rules requiring businesses that propose a tip amount at the point of sale to calculate the tip based on the price of goods and services, excluding sales taxes.

Relevant for: All merchants located and/or operating in Quebec who propose a tip amount at the point of sale.

Qualifying Small Business (QSB) Interchange

Effective Date: October 17, 2024

Effective October 17, 2024, Visa and Mastercard introduced their qualifying small business interchange programs to meet their commitment with the Government of Canada.

Relevant for: All Merchants who accept Visa and mastercard transactions

Changes to Visa Rules on Maximum Allowed Time Frames for Authorization and Clearing of Visa Transactions

Effective Date: April 13, 2024

Beginning April 13, 2024, Visa is changing the maximum allowed time frames for the authorization and clearing of transactions.

Relevant for: All Merchants who accept Visa transactions

Changes for Merchants who Choose to Apply a Surcharge on Card Transactions

Updated: March 27, 2024

The Payment Card Networks have updated their requirements for Merchants who choose to apply a surcharge on card transactions.

Relevant for: Merchants who will process surcharges on card transactions.

American Express OptBlue Changes

Effective Date: April 14, 2023

Beginning April 14, 2023, American Express OptBlue is increasing the Amex Foreign Assessment Fee by 0.20%.

Relevant for: All Merchants who accept American Express OptBlue

American Express OptBlue Changes

Effective Date: November 1, 2022

Beginning November 1, 2022, American Express OptBlue is changing and adding Industry Categories with corresponding Wholesale Discount Rates for Healthcare, Emerging Markets, Residential Rent and Utilities.

Relevant for: All Merchants who accept American Express

Changes for Merchants Offering Free Trials, Intro Promotions and Ongoing Subscriptions

Published Date: March 1, 2022

The Payment Card Networks have updated their requirements for Subscription Merchants. These changes are designed to improve transparency for Cardholders by easily identifying promotional transactions and providing a simple cancellation process.

Relevant for: All applicable Merchants

Help Protect Your Merchant Account from Card Testing

Effective Date: Immediately

Implement recommended practices to help protect your Merchant Account against Card Testing. Where applicable, contact your website or shopping cart provider to have them make the required changes.

Relevant for: All Merchants

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Payment Card Network - Changes for Excessive Transaction Attempts, PCN Compliance Integrity Fees and Advice Decline Fees

With recent changes to the Excise Tax Act (ETA), fees charged by Payment Card Networks (PCNs) for certain services are now subject to HST that is not recoverable by TD. If not previously applied, TD Merchant Solutions will pass through a corresponding increase to the PCN Non-Compliance Fees to reflect the recent ETA changes.

Relevant for: Merchants processing Visa and Mastercard Transactions

Archived communications

See below for a summary of previously communicated announcements and notices.

American Express Foreign Issue Debit Card

Effective Date: July 16, 2021

Beginning July 16, 2021, American Express is offering foreign issued debit cards. For Merchants who accept American Express, the wholesale rate of 1.28% will be applied to all Foreign Issued Debit Card transactions.

Relevant for: All Merchants Who Accept American Express

Payment Card Network Changes to Refund Processing – Customer Returns to be Sent for "Real Time" Issuer Authorization

Effective Date: May 3, 2021

Beginning May 3, 2021, Payment Card Networks (PCNs) are changing the way refunds are processed. Customer returns (refunds) will be sent for real-time Issuer authorization, making it possible for some refunds to be declined. Merchants are encouraged to update their refund policy to provide alternatives to complete the refund transaction in advance of the change. Review details behind the "Payment Card Network Changes to Refund Processing…" link above.

Relevant for: All Merchants

Payment Card Network - Fee Changes for Merchants in High Brand Risk Categories

Effective Date: April 17, 2021

Beginning April 17, 2021, Payment Card Networks (PCNs) are expanding existing High Brand Risk Merchant requirements globally and adding categories to the list of Merchants warranting additional oversight.

Relevant for: Merchants who operate in high risk categories such as e-cigarettes, pharmacies, tobacco, cyberlockers, etc., which require additional oversight as per the PCNs.

We're here for you and your business during COVID-19 (pdf)

Published Date: March 25, 2020

With COVID-19 top of mind, the well-being and safety of our merchants, partners, and colleagues is paramount. We understand the potential impact that this situation can have on your business and we are committed to providing you with our continued service and support.

Relevant for: All Merchants

Risks of manually keying credit card information (pdf)

Published Date: November 1, 2019

Manually keying credit card information into a Point-of-Sale (POS) device when the Cardholder is present significantly increases your risk of completing fraudulent transactions and incurring losses from Chargebacks. Using chip technology to process Card Present transactions is one of the most important and effective ways to help protect your business from card fraud.

Relevant for: All Merchants

TD Freedom POS device replacement (pdf)

Published Date: November 1, 2019

If you have a TD Freedom Point-of-Sale (POS) device, call us for a recommendation on a new device that suits your processing needs. We will provide onsite installation support and training at no additional cost.

Relevant for: Merchants who use TD Freedom Point-of-Sale Devices

Information on mandatory PCN updates (pdf)

Published Date: November 1, 2019

Recent Payment Card Network (PCN) changes have been made to contactless transactions, mobile payment acceptance, and signature requirements for receipts. Merchants will receive a letter from TD Merchant Solutions when these changes are applicable for your business.

Relevant for: All applicable merchants

PCN changes to stored payment information (pdf)

Published Date: June 1, 2019

Payment Card Networks (PCNs) have made changes to the rules governing how Cardholder payment information (credentials) are obtained, stored and processed. Business owners who offer Cardholders the option to store their payment information on file, must now disclose how Cardholder credentials will be used, obtain the Cardholders’ consent to store their information and let them know when changes are made to the terms of use.

Effective as of September 1, 2019
Relevant for: All Merchants who store Cardholder information (for example: TD Online Mart, PC Batch)

Mandatory CVV capture for Card Not Present transactions (pdf)

Published Date: July/August 2018

Businesses are now required to capture the Card Verification Value (CVV) when processing transactions without the Cardholder present, such as through a website, mobile application, or telephone order. It’s important for business owners to update their payment acceptance process to make CVV capture mandatory. Adding this additional security measure will help support fraud prevention and will also help to mitigate instances of Chargebacks.

Effective as of September 30, 2018
Relevant for: All Merchants

Other resources that might be helpful to you

Point of Sale (POS) Resources

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Insights and Advice

Understand how you can help protect your business. Learn about fraud prevention, reducing chargebacks, industry changes and more.
Online Reporting

Access the TD Online reporting tool to view your credit and debit card transactions

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Notices and Announcements

Tipping in Quebec

Qualifying Small Business (QSB) Interchange

Changes to Visa Rules on Maximum Allowed Time Frames for Authorization and Clearing of Visa Transactions

Changes for Merchants who Choose to Apply a Surcharge on Card Transactions

American Express OptBlue Changes

American Express OptBlue Changes

Changes for Merchants Offering Free Trials, Intro Promotions and Ongoing Subscriptions

Help Protect Your Merchant Account from Card Testing

What's New

Payment Card Network - Changes for Excessive Transaction Attempts, PCN Compliance Integrity Fees and Advice Decline Fees

Archived communications

American Express Foreign Issue Debit Card

Payment Card Network Changes to Refund Processing – Customer Returns to be Sent for "Real Time" Issuer Authorization

Payment Card Network - Fee Changes for Merchants in High Brand Risk Categories

We're here for you and your business during COVID-19 (pdf)

Risks of manually keying credit card information (pdf)

TD Freedom POS device replacement (pdf)

Information on mandatory PCN updates (pdf)

PCN changes to stored payment information (pdf)

Mandatory CVV capture for Card Not Present transactions (pdf)

Other resources that might be helpful to you

Point of Sale (POS) Resources

Insights and Advice

Online Reporting

Get in touch

Contact us

Have us call you

Find a business development specialist

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