Credit card processing and merchant services in Laval, QC

If you sell from Laval, Quebec law decides what you can add to a card payment, and the customer's delivery address decides the sales tax. Those two rules shape most of your card setup, whether you sell from a storefront or ship orders across the country.

Start with the ban on card fees. The Office de la protection du consommateur says you can't charge consumers a fee for paying by debit or credit card, and warning them first doesn't change that. It covers debit too, so the acquirer-applied Interac fee of up to $0.25 that Interac allows elsewhere in Canada is off the table for your Quebec customers. If you sell to customers in other provinces and want to treat them differently, get legal advice before you build anything into your checkout.

Then there's tax by destination. Sales to customers in Quebec carry the 5% GST and the 9.975% QST, with the QST calculated on the price before GST. When you ship to another province, CRA's place-of-supply rules generally make the sale taxable where the goods are delivered. CRA's own example is a store that delivers a mattress to a customer in Ontario and charges 13% HST, because the place of supply is Ontario. Your checkout should calculate tax from the shipping address, not from where you are.

French applies to the paperwork. Under section 57 of the Charter of the French language, invoices and receipts have to be drawn up in French.

Laval grew 3.6% between 2016 and 2021, to 438,366 residents, and we work with businesses here remotely. We set up online payments with hosted checkout, AVS and CVV checks, and price everything on interchange-plus with no long-term contract. Start with a free statement review, and see our Quebec page for the provincial rules in full.