Credit card processing and merchant services in Brandon, MB

Brandon counted 51,313 residents at the 2021 Census, up 5.0% from 2016, which puts it second only to Winnipeg among Manitoba's municipalities. A business here works with the same provincial taxes as one in Winnipeg, plus a City licence of its own.

Sort the licence out before your first sale. Brandon's business licensing by-law makes it an offence to carry on a business, including a professional practice, without a City licence, and it requires a general business licence for every business, with some exceptions. Licences run from the date of issue to December 31, and annual fees are due on January 1. A business that opens partway through the year pays 1/12 of the annual fee for each month left. The City also issues separate licences for home-based businesses and for out-of-town contractors.

The tax setup is Manitoba's usual pair, the 5% GST and the 7% RST, or 12% on most taxable sales. Since July 1, 2026, more food and beverages have been exempt from RST, though the change doesn't cover sales by bakeries, coffee shops, cafeterias, food courts or concession stands. The Manitoba page has the details and sources.

Then look at what debit costs you, tap in particular. Interac's fee page says interchange on Interac Debit is currently set at zero, while contactless Interac Flash payments carry a flat interchange amount by tier: $0.035 on purchases up to $100 for merchants outside Interac's low-ticket and high-volume tiers, and $0.055 for all merchants on purchases from $100.01 to $250. Your processor's price sits on top of that, so read the debit lines on your statement as closely as the credit ones.

Credit card surcharges are allowed in Manitoba within Visa and Mastercard's limits, and never on debit. Our POS terminals take Interac, Visa, Mastercard, Apple Pay and Google Pay, and we price on interchange-plus. A free statement review shows what each payment type costs you today.