Credit card processing and merchant services in Greater Sudbury, ON

A chargeback starts when a customer disputes a card payment with their bank instead of with you. The money comes back out of your account while the dispute runs, and you get a limited window to send evidence that the sale was good. For a Greater Sudbury contractor, a retailer or an online seller, the result often depends on paperwork you either kept or didn't.

Three causes are worth guarding against. A customer doesn't recognize the name on their card statement, so make sure your billing descriptor matches the name on your sign or website. A promised refund never gets processed. Or a phone or online payment turns out to be fraud. For counter sales, keep the receipt. For phone and online orders, keep the AVS and CVV results, the order details and proof of delivery. For a job, keep the signed estimate and the customer's sign-off when the work is done.

Prevention starts before the sale. Our online payments setup screens orders with AVS, CVV checks and velocity rules, and we provide chargeback management tools for the disputes that still arrive. Our guide to how a chargeback works walks through each stage.

Accommodation providers have their own records to keep. As of January 1, 2025, the City of Greater Sudbury includes a 6% Municipal Accommodation Tax on accommodations of 30 days or less, at hotels, motels, lodges, inns, resorts and bed and breakfasts, and on lodging sold through online platforms. An itemized folio with the room, the MAT and the 13% HST on separate lines is the document you'll want if a guest disputes a stay.

Greater Sudbury had 166,004 residents at the 2021 Census, up 2.8% from 2016. We price on interchange-plus with no long-term contract. A free statement review shows what disputes and everything else are costing you, and our Ontario page covers the provincial rules.