Credit card processing and merchant services in Regina, SK
Regina requires a residential business licence even for online businesses run from home. Take cards online, by phone and in person, priced on interchange-plus.
If you run a web shop from a spare room in Regina, the City wants you licensed. Anyone operating a business from a residence in Regina, including an online business, needs a residential business licence. The rule applies whether you sell to neighbours or ship across the country, so get it in place before you launch.
Online and delivery sales raise a PST question as well. When a meal is sold through a delivery app or another online marketplace, Saskatchewan requires the marketplace facilitator to be licensed and to collect PST on taxable sales made through its platform, whether or not the restaurant is licensed. Orders through your own website or counter are yours to tax at 6% PST, with alcohol under the 10% Liquor Consumption Tax.
Selling online means taking cards you never see. Our online payments come with hosted checkout or gateway integration, fraud screening using AVS, CVV checks and velocity rules, and PCI compliance support. For phone orders and invoices, the virtual terminal does the job without a website.
Every Regina account gets a dedicated rep, and nothing locks you in: no long-term contract, no cancellation fee. A free statement review is the easiest first step. The Saskatchewan page has the provincial rules, and Saskatoon licenses each business location separately.
Rules that matter in Regina
Residential business licences
Anyone operating a business from a residence in Regina, including an online business, is required to have a residential business licence from the City.
Payment services we provide
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Common questions
Do I need a Regina business licence to sell online from home?
Yes. The City of Regina says anyone operating a business from a residence in Regina, including an online business, is required to have a residential business licence. Sort it out before you open your merchant account and launch your online checkout.
Who collects PST when I sell meals through a delivery app?
The app, if it's acting as a marketplace facilitator. Saskatchewan requires marketplace facilitators to be licensed as vendors and to collect and remit PST on all taxable sales made through their platforms, whether or not the restaurant is licensed. Sales through your own counter or website are still yours to collect on.
Can a Regina business surcharge credit cards?
Yes, within Visa and Mastercard's rules: credit cards only, capped at the lesser of 2.4% or your cost of acceptance, with 30 days' notice and disclosure at the point of entry, at checkout and on the receipt. Online, that means showing the surcharge before the customer pays.
What does Clearo offer Regina online sellers?
Hosted checkout or gateway integration, fraud screening with AVS, CVV checks and velocity rules, PCI compliance support, and chargeback management tools. For phone and email orders, the virtual terminal handles invoices, payment links and recurring billing. Pricing is interchange-plus, with no long-term contract.
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.
Let's talk about your payments
Tell us about your business and how you take payments now, and a Clearo rep will reach out within one business day.