{"id":15237,"date":"2022-11-04T14:09:51","date_gmt":"2022-11-04T21:09:51","guid":{"rendered":"https:\/\/www.nerdwallet.com\/ca\/?page_id=15237"},"modified":"2022-12-08T09:13:55","modified_gmt":"2022-12-08T17:13:55","slug":"shoppers-and-businesses-wary-of-new-credit-card-fee","status":"publish","type":"page","link":"https:\/\/www.nerdwallet.com\/ca\/credit-cards\/shoppers-and-businesses-wary-of-new-credit-card-fee","title":{"rendered":"Shoppers and Businesses Wary of New Credit Card Fee Ahead of Holiday Rush"},"content":{"rendered":"\n

More than 4 in 5 Canadians (82%) plan to purchase gifts for friends and loved ones this holiday season, according to NerdWallet\u2019s 2022 Canadian Holiday Shopping Report<\/a>. Nearly 3 in 5 2022 holiday shoppers (59%) will use a credit card to pay for their holiday gifts this year. Almost a third (32%) will only use a credit card.<\/p>\n\n\n\n

But some worry that new credit card processing fees<\/a> will dampen the gift-giving spirit.<\/p>\n\n\n\n

Canadians are exasperated by the prospect of compounded costs on the horizon, while businesses remain undecided about if or when they\u2019ll implement the fee. <\/p>\n\n\n\n

With inflation the highest it\u2019s been in decades, and the holidays drawing near, one thing that everyone can agree on is that the timing of this new fee is less than ideal. <\/p>\n\n\n\n

Where the new fee is coming from <\/h2>\n\n\n\n

Credit card processing fees cover the costs of using credit card networks \u2014 and they\u2019ve traditionally been paid by the merchants that accept these cards. <\/p>\n\n\n\n

As the result of a class action settlement, Canadian business owners can choose to make customers cover processing fees by adding a surcharge of up to 2.4% every time they swipe a Visa or Mastercard. <\/p>\n\n\n\n

Businesses that elect to charge the fee must disclose this information at the point of sale and on customer receipts. <\/p>\n\n\n\n

Consumers express worry and indignation <\/h3>\n\n\n\n

Following the October 6 announcement that credit card processing fees could now be charged to consumers, Reddit threads burgeoned with complaints. <\/p>\n\n\n\n

Russell Jenkins, a 27-year-old mechanical engineer from Mississauga, is among those who object to the fee. \u201cI will not spend money at retailers that charge an extra fee for using a credit card,\u201d Jenkins said in an email. \u201cI do not want to support those businesses.\u201d<\/p>\n\n\n\n

Jenkins\u2019 sentiments are shared by some other Canadians who vow to pay with cash and paper cheques at businesses with processing fees. <\/p>\n\n\n\n

But according to Ryan Mallough, vice president of legislative affairs for Ontario with the Canadian Federation of Independent Business, anger at merchants is misplaced. He points out that Canadian credit card processing fees are among the highest in the world, creating a significant financial burden for businesses.<\/p>\n\n\n\n

\u201cIt’s not the business owner or the business that we should be focused on,\u201d says Mallough. \u201cIt is the credit card companies. It is the banks. That is where the ire should be directed and where the work needs to be done now to start reducing those fees.\u201d<\/p>\n\n\n\n

Financially vulnerable Canadians stand to lose most <\/h3>\n\n\n\n

Misplaced frustration or not, consumers that encounter this fee have a decision to make: pay, or walk away. A decision that will be especially challenging for those who count on credit cards to cover purchases they can\u2019t afford outright. <\/p>\n\n\n\n

Folks struggling to make ends meet may rely on their credit card to bridge the gap between paycheques, or to give themselves time to pay off a larger purchase. There are also those trying to build their credit history or improve their credit score<\/a> who need to demonstrate responsible credit card use. <\/p>\n\n\n\n

And customers aren\u2019t the only group with a decision to make. Business owners now face the challenging dilemma of choosing whether to charge for credit card transactions \u2014 at a time when sales tend to matter most.<\/p>\n\n\n\n

Businesses are wary of losing customers<\/h3>\n\n\n\n

Passing processing fees on to shoppers isn\u2019t mandatory or automatic. It\u2019s at the business owner’s discretion whether to charge for credit card transactions. And many businesses have yet to determine a course of action.<\/p>\n\n\n\n

Only 19% of small businesses plan to charge customers a credit card processing fee, according to a September 2022 survey of 3,914 Canadian businesses conducted by the CFIB. More than one-third (40%) of small firms said they are not sure yet if they will surcharge, while 15% said they don\u2019t intend to do it. <\/p>\n\n\n\n

\u201cA lot of businesses are reliant on a strong finish to the year,\u201d says Mallough. \u201cThe prospect of putting an additional fee, especially if you’re a retailer, or in hospitality, where you’re quite reliant on the end of the year being big on the sales side \u2014 it’s a little bit daunting to do it.\u201d<\/p>\n\n\n\n

\u201cWe gauged our membership, and there are a lot of unknowns,\u201d says Tony Elenis, president and CEO at Ontario Restaurant Hotel and Motel Association, which represents over 11,000 establishments across the province. \u201cNo one has come up to state that they\u2019re going to implement it.\u201d  <\/p>\n\n\n\n

It\u2019s a complicated decision with numerous factors at play. One of the weightier considerations for business owners is how passing on the fee will impact customer retention. <\/p>\n\n\n\n

\u201cAre you going to upset customers? Or lose a customer?\u201d asks Elenis. \u201cThere\u2019s a lot of sensitivity and uncertainty around it.\u201d<\/p>\n\n\n\n

Some Canadian business owners may opt to wait out the holiday season before introducing their customers to a potential fee. Other businesses may pull the trigger immediately. <\/p>\n\n\n\n

Ultimately, business owners need to weigh customer retention against their bottom line. And we can\u2019t forget \u2014 it\u2019s been a challenging few years for many Canadian merchants. Some may view the passing along of processing fees as a way of offsetting debt sustained over the course of the pandemic. But if this comes at the cost of losing customers, it may not be worth it.  <\/p>\n\n\n\n

Canadian holiday payment preferences likely to shift<\/h2>\n\n\n\n

If business owners start charging Canadians for credit card transactions, payment habits are liable to shift \u2014 during the holidays and beyond.<\/p>\n\n\n\n

\u201cWith a system such as this in place, it’s impossible for many Canadians to come out ahead during gift buying this holiday season,\u201d says Jenkins of the new credit card surcharge in an email. \u201cThe consequences will not be seen until mid-January when all those bills come due.\u201d<\/p>\n\n\n\n

Debit cards<\/a>, cheques and cash will likely become the preferred method of payment for shoppers who have the funds to do so. These methods of payment are less expensive for businesses to accept, and so won\u2019t incur any processing fees. <\/p>\n\n\n\n

If you typically rely on your credit card for things you can\u2019t purchase outright, do your best to stay flexible and adaptive \u2014 especially in the approaching holiday rush. You can always take your business elsewhere, and comparison shopping may help you find lower prices in addition to avoiding processing fees. <\/p>\n\n\n\n

Or explore your \u201cbuy now, pay later<\/a>\u201d options: an alternative payment method offered by an increasing number of Canadian businesses. With BNPL, you’re basically taking out a short-term installment loan at no interest. So long as you keep up with your payments, it could be a viable alternative to using a credit card.<\/p>\n\n\n\n

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\n\t\t\tAbout the Author\t\t<\/h4>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t
\n\t\t\t\t\t\n\t\t\t\t\t\tShannon Terrell<\/strong>\n\t\t\t\t\t<\/a>\n\n\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tRead more about Shannon Terrell and explore their articles<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\n\n\n\t

\n\t\t\n\t\t
\n\t\t\t
\n
\n\t
\n\t\t\t\n\t\t\"Everything\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tEverything You Need To Know About Canada’s New Credit Card Fee\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Canadian merchants can now charge consumers an extra 2.4% just for swiping a Visa or Mastercard. How many businesses will charge the fee remains unclear.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Shannon Terrell<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"How\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tHow to Build Credit With a Secured Credit Card\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Using your secured credit card strategically can help you establish and improve your credit over time.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Sandra MacGregor<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"3\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\t3 Ways a Credit Card Can Safeguard Your Holiday Travels\t<\/a>\n<\/h4>\n\n\t
\n\t\t

Many credit cards offer powerful protections against costly travel woes, like lost bags, fraudulent purchases and currency conversion fees.<\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Nora Dunn<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>
\n
\n\t
\n\t\t\t\n\t\t\"Best\t<\/a>\n\t\t\t
\n\t\t\t\n

\n\t\n\t\tBest No-Fee Credit Cards in Canada for 2025\t<\/a>\n<\/h4>\n\n\t
\n\t\t

The best no-fee credit cards in Canada offer impressive benefits without the burden of an annual fee. <\/p>\n\t<\/div>\n\n\t

\n\t\t\t\t
\n\t\t\t\n\t\t\t
\n\t\t\t\t\"\"Shannon Terrell<\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/div>\t\t<\/div>\n\t<\/section>\n\n","protected":false},"excerpt":{"rendered":"

As the holiday season looms, Canadian consumers chafe at the added cost of credit card use, while business owners fret over customer retention.<\/p>\n","protected":false},"author":26,"featured_media":15245,"parent":102,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/article-sidebar.php","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"apple_news_api_created_at":"2022-11-04T21:09:57Z","apple_news_api_id":"8fc41b17-925d-4204-825f-b38feafbbc6e","apple_news_api_modified_at":"2022-11-04T21:09:57Z","apple_news_api_revision":"AAAAAAAAAAD\/\/\/\/\/\/\/\/\/\/w==","apple_news_api_share_url":"https:\/\/apple.news\/Aj8QbF5JdQgSCX7OP6vu8bg","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_is_hidden":false,"apple_news_is_paid":false,"apple_news_is_preview":false,"apple_news_is_sponsored":false,"apple_news_maturity_rating":"GENERAL","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":"[\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/258a2d7c-962b-47be-93aa-4e3a3f4b4a02\",\"https:\\\/\\\/news-api.apple.com\\\/sections\\\/3e5c190c-ff5a-4b06-9480-9da58aa4d891\"]","apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":"","_nw_pros_cons_block_schema":""},"content-classification":[14],"topic":[102],"cluster":[198],"pp_author":[86],"acf":[],"apple_news_notices":[],"yoast_head":"\nCanadian Shoppers Wary of Credit Card Fee As Holidays Loom - 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