Credit card processing and merchant services in Whitehorse, YT

Whitehorse had 28,201 residents at the 2021 Census, out of 40,232 in all of Yukon. Most of the territory's population lives in one city, and the City of Whitehorse sets the first rule for anyone selling there: persons conducting any kind of endeavour for profit or gain within Whitehorse need a business licence. Get that sorted before your first card sale.

Tax is the easy part. Yukon has no territorial sales tax, so a $40 sale carries $2 of GST and the customer pays $42. You don't have to register for GST until your taxable revenue goes over $30,000 in a single calendar quarter or over four consecutive quarters, so a new business may start out below that line.

With so little to adjust on the tax side, card fees are where the savings are. Say you take $15,000 a month in cards and pay half a percentage point more than you should. That's $75 a month, or $900 a year. Interchange-plus pricing puts interchange and our markup on separate lines, which makes an overcharge easier to spot. Debit helps too: Interac puts the merchant cost of Interac Debit at around 10 cents a transaction, and only your acquirer can add a fee to it, capped at $0.25.

A surcharge on Visa or Mastercard credit cards is allowed if you stay within the 2.4% cap and your cost of acceptance, give 30 days' notice and post signs. For orders that come in by phone or email from elsewhere in Yukon, the virtual terminal sends invoices and payment links. Begin with a free statement review, and read our Yukon page for the territory-wide rules.