Credit card processing and merchant services in Lévis, QC
Lévis businesses can't recover card costs with a fee, so lower interchange goes straight to their margin. On October 24, 2026, Visa raises its small business threshold to $750,000 in annual Visa sales.
Lévis counted 149,683 residents at the 2021 Census, up 4.4% from 2016, which made it the seventh-largest municipality in Quebec. Its businesses work under the province's rule against any fee for paying by debit or credit card, which the Quebec page explains in full. In practice, what you pay to accept cards stays your cost, and cheaper interchange is one of the few ways to bring it down.
A change on October 24, 2026 brings more businesses into the lower rates. The small business interchange reductions the federal government announced, in effect since October 19, 2024, have covered businesses below $300,000 a year in Visa sales. Visa Canada's notice moves that line to $750,000 from October 24. A Lévis retailer with, say, $450,000 in annual Visa sales could qualify for the first time. Mastercard sets its own threshold, $175,000 in annual Mastercard sales.
You only see the saving if your pricing passes interchange through. On interchange-plus, lower interchange shows up as a smaller line on your statement. A flat or blended rate can stay exactly where it was. Compare your November statement with October's, or send us both.
The other numbers on a Lévis receipt don't change: the 5% GST and the 9.975% QST, calculated the way the Quebec page sets out. If you rent rooms, Revenu Québec's tax on lodging applies in the Chaudière-Appalaches tourism region, usually at 3.5% of the price of an overnight stay.
We work with Lévis businesses remotely, with no long-term contract and no cancellation fees. A free statement review will show whether you're getting the small business rates, and our Quebec City page walks through a lodging tax bill line by line.
Rules that matter in Lévis
Tax on lodging in Chaudière-Appalaches
Revenu Québec lists Chaudière-Appalaches among the tourism regions where the tax on lodging applies. For establishments subject to it, the usual charge is 3.5% of the overnight price, and breakfast and other extras aren't part of that base.
Work the lodging tax out before the sales taxes. On a $150 room, it's $5.25, and the GST and QST are then calculated on $155.25.
Sources: Revenu Québec, Québec tourism regions where the tax on lodging applies; Revenu Québec, Billing the 3.5% tax on lodging
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Common questions
Does Visa's new $750,000 threshold help a Lévis business?
If your yearly Visa volume is between $300,000 and $750,000, probably: that's the group Visa adds to its small business interchange on October 24, 2026. Below $300,000, you've qualified since October 19, 2024. Whether you notice depends on your pricing. On interchange-plus, the lower interchange appears on your statement, while a flat rate may hide it.
Can a Lévis business charge customers a fee for paying by card?
No. Quebec law bars any fee for paying by debit or credit card, and warning customers first doesn't make it legal. That's why lowering your own processing costs matters more here. The Quebec page has the Consumer Protection Act section and the OPC's guidance.
Do Lévis hotels and B&Bs charge a lodging tax?
Yes, if the establishment is subject to Revenu Québec's tax on lodging, which applies in the Chaudière-Appalaches tourism region. The usual charge is 3.5% of the overnight price. On a $150 room, that's $5.25, and the GST and QST are then calculated on $155.25 rather than $150.
Does Mastercard use the same small business threshold as Visa?
No. Each network sets its own. Mastercard's lower small business interchange applies below $175,000 in annual Mastercard sales, while Visa's line moves from $300,000 to $750,000 in annual Visa sales on October 24, 2026. A business can qualify with one network and not the other, so check both on your statement.
How can I tell whether I'm getting the small business rates?
Look at the interchange lines on your statement. On interchange-plus pricing, interchange is listed separately, so a drop after October 24, 2026 shows up there. On a flat rate you can't see interchange at all. Our free statement review checks it for you, and our guide to interchange rates in Canada explains the categories.
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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