Credit card processing and merchant services in Moncton, NB
Moncton grew 10.5% between the 2016 and 2021 censuses, and rooms in the city carry a 3.5% tourism accommodation levy. Get the tax lines and your card pricing right from the first sale.
Moncton counted 79,470 residents at the 2021 Census, 10.5% more than in 2016, and the census metropolitan area around it reached 157,717. If yours is one of the businesses opening into that growth, the payment choices you make in your first week tend to stay in place for years.
Start with tax codes. New Brunswick's HST is 15%, but CRA lists books as the province's point-of-sale rebate item, so qualifying books ring up at the 5% GST alone. A gift shop with a shelf of books needs two tax settings, not one.
Accommodation has a city charge as well. Moncton's Tourism Accommodation Levy By-law (A-1419) adds 3.5% to the purchase price of tourism accommodation in the city, and collection began on September 1, 2019. Build it into your booking engine and your front desk terminal as a separate line.
Then look at how you're priced. On interchange-plus, interchange passes through at cost and our markup sits on its own line, which matters this month in particular. Visa raises its small business interchange threshold from $300,000 to $750,000 in annual Visa sales on October 24, 2026, so a business between those two figures can qualify for Visa's lower rates for the first time. On a flat-rate plan, that saving may never reach you.
Credit card surcharges are legal here within the Visa and Mastercard caps. Whatever you decide about them, a free statement review will show what you pay today, and our New Brunswick page has every provincial rule with its source.
Rules that matter in Moncton
Tourism accommodation levy
The City of Moncton's Tourism Accommodation Levy By-law (A-1419), passed on July 15, 2019, sets a levy of 3.5% to be added to the purchase price of tourism accommodation in the city. Collection began on September 1, 2019. Set the levy up as its own line in your booking engine and at the front desk.
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Common questions
What does Moncton's tourism accommodation levy add to a hotel bill?
3.5% of the purchase price of the accommodation. The City of Moncton passed its Tourism Accommodation Levy By-law (A-1419) on July 15, 2019, and began collecting the levy on September 1, 2019. Show it as its own line on the guest's bill so the total is easy to check.
Will Visa's new threshold lower my card costs in Moncton?
It could. Since October 19, 2024, Visa has charged lower interchange to businesses with under $300,000 in annual Visa sales, and on October 24, 2026 that threshold rises to $750,000. Mastercard's lower rates apply under $175,000 in annual Mastercard sales. The cut is to interchange, so you'll only see it if your pricing passes interchange through at cost. Our guide to credit card fees in Canada explains the rest.
How do I set up books in my Moncton store's POS?
Give qualifying books their own tax category. CRA lists books as New Brunswick's point-of-sale rebate item, so the 10% provincial part of the HST comes off at the till and the customer pays only the 5% GST. Everything else taxable rings up at the full 15%. Test a mixed sale on your POS terminals before you open.
Can a Moncton restaurant add a surcharge for credit cards?
Yes, on Visa and Mastercard credit cards only. The cap is 2.4% or your cost of acceptance, whichever is lower, and you need 30 days' notice plus signs at the entrance and the till. On a $60 dinner, a 2.4% surcharge is $1.44. Debit and prepaid cards can't carry one.
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Disclaimer: general information, not professional advice
This page is general educational information, not legal, tax, accounting or financial advice. Rules and rates vary by place and change, so confirm them with the official source and a qualified professional before you act. Full terms are in our Terms of Service.
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