Credit card processing and merchant services in Terrebonne, QC
Terrebonne grew 7.5% between 2016 and 2021, well ahead of Quebec's 4.1%. Businesses there still can't add a fee for paying by card, so each payment's cost is theirs to manage.
Terrebonne counted 119,944 residents at the 2021 Census, 7.5% more than in 2016, while Quebec as a whole grew 4.1%. Statistics Canada ranked it tenth among the province's municipalities, and occupied private dwellings rose 8.2% over the same five years. For contractors, cleaners and other home services, more occupied homes means more clients, and that work often gets paid in two steps: a deposit when the job is booked and the balance when it's done.
A payment link handles both. Send it from the virtual terminal with the quote, and the client types in their own card details online, so no card number ends up in an email thread or on a job sheet.
The invoice is where Quebec's rules show up. Section 57 of the Charter of the French language requires invoices and receipts to be drawn up in French. Both taxes start from the same price, because Revenu Québec applies the 9.975% QST to the price before the 5% GST: a $1,200 job carries $60.00 of GST and $119.70 of QST. And the bill can't include a charge for paying by card, since the Office de la protection du consommateur bans any fee for paying by debit or credit card. Our Quebec page has the legal sources.
Registration can sneak up on a growing business. Revenu Québec's small supplier limit is $30,000 in taxable supplies, counted together with your associates', in one calendar quarter or across the four quarters before it. Cross it in a single strong quarter and both taxes apply right away, starting with the sale that took you over.
Since the card cost stays with you, it helps to see it plainly. We price on interchange-plus with no long-term contract and no cancellation fees, and a free statement review shows what each deposit and final payment costs you today.
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Common questions
Can a Terrebonne contractor charge a card fee on a deposit?
No. The Office de la protection du consommateur says merchants may not charge consumers a fee for paying by debit or credit card, and telling the client ahead of time doesn't make it legal. That applies to a deposit as much as to the final bill. Build card costs into your rates, and work on lowering what processing costs you.
How much GST and QST goes on a $1,200 job in Terrebonne?
$60.00 of GST and $119.70 of QST, for $1,379.70 in all. Revenu Québec calculates the 9.975% QST on the price excluding GST, so neither tax is charged on the other. An invoice showing $125.69 of QST has charged QST on the GST as well, and the software settings need a fix.
Do invoices from a Terrebonne business have to be in French?
Yes. Under section 57 of the Charter of the French language, invoices and receipts, along with acquittances and similar documents, have to be drawn up in French. Check the language settings in your invoicing software and on emailed receipts before the first one goes out, and ask the Office québécois de la langue française about any format you're unsure of.
When does a new Terrebonne business have to collect GST and QST?
Once it stops being a small supplier. Revenu Québec counts your taxable supplies together with your associates', zero-rated ones included. Pass $30,000 in a single calendar quarter or over the four preceding quarters and you must register and collect both taxes. Below that line, registering is your choice.
What's the safest way to take a card deposit for a Terrebonne job?
Send a payment link from the virtual terminal instead of writing a card number down over the phone. The client enters their own details online, which keeps card numbers off paper and out of email. When the work is finished, tap to pay or a mobile card reader can take the balance on site.
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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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