Notices and Announcements

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.

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


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.

  1. Relevant for: All Merchants who accept Visa and mastercard 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.

  1. Relevant for: All Merchants who accept Visa transactions


Updated: March 27, 2024

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

  1. 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%.

  1. Relevant for: All Merchants who accept American Express OptBlue


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.

  1. Relevant for: All Merchants who accept American Express


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.

  1. Relevant for: All applicable Merchants


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.

  1. Relevant for: All Merchants


Other resources that might be helpful to you

  • Find Merchant Guides and information for all TD countertop and wireless terminals, POS software and eCommerce solutions.

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

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

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