Credit card processing and merchant services in Saskatoon, SK
Saskatoon licenses every business location separately, and Saskatchewan's PST reaches meals and event tickets. Your card setup should match how your business actually runs.
Saskatoon licenses by location. Every business in the city is required to hold a business licence for each location, so two storefronts mean two licences, and a home-based business gets its own licence category with standards covering employees, client visits and deliveries.
For a Saskatoon restaurant, a correct receipt has more than one provincial tax on it. Meals and non-alcoholic drinks carry 6% PST, while beer and wine carry the 10% Liquor Consumption Tax instead. Set those up once on your POS terminals and every receipt after that follows the rules.
Recreation businesses need the same care. Taxable admissions have carried PST since October 1, 2022, while gym memberships and fitness classes are exempt. A climbing gym or a sports complex that sells day admissions and memberships at the same front desk should check each product against the province's admissions bulletin.
For pop-up sales at markets and events, mobile card readers and tap to pay let you take cards at the table, and Saskatchewan still expects you to collect PST on taxable merchandise there.
Want to know whether you're overpaying? A free statement review compares your current rates with interchange-plus on the same transactions. Provincial rules and sources are on the Saskatchewan page, and Regina handles licensing its own way.
Rules that matter in Saskatoon
A business licence for each location
Every business in Saskatoon is required to hold a business licence for each location. Home-based businesses have their own licence category, and the City sets standards for them on employees, client visits and deliveries.
Sources: City of Saskatoon, Business licence categories; City of Saskatoon, Home-based business licence
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Common questions
Do I need a separate Saskatoon business licence for each location?
Yes. The City of Saskatoon says every business in Saskatoon is required to hold a business licence for each location. Home-based businesses have their own licence category, with standards on employees, client visits and deliveries.
What taxes go on a Saskatoon restaurant bill?
Meals and other prepared food and non-alcoholic beverages carry Saskatchewan's 6% PST, and alcohol carries the 10% Liquor Consumption Tax instead of PST. Program food and drinks as separate categories on your terminals so each tax is charged on the right items.
Can I take card payments at a Saskatoon market or event?
Yes. Mobile payments with tap to pay or a mobile card reader work at a stall or a gate. Saskatchewan expects market vendors to collect PST on taxable merchandise, including ready-to-eat food, so set your tax before the first sale.
Can a Saskatoon business surcharge credit cards?
Yes, on credit cards only, within the Visa and Mastercard limits: the lesser of 2.4% or your cost of acceptance, 30 days' notice, and disclosure at the entrance, at checkout and on the receipt. Debit and prepaid cards on the Visa and Mastercard networks can't carry a surcharge.
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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