Payment processor
Moneris fees in 2026: what you actually pay
Updated · Checked against primary sources
The short answer
Moneris Flat Rate Pricing charges 2.65% + 10 cents per card-present credit transaction and 2.85% + 30 cents card-not-present, covering Visa, Mastercard, Amex, UnionPay and Discover. Interac debit is about 10 to 12 cents in person and $1.00 online, and foreign cards add 0.80%. Moneris Simplified Pricing (interchange-plus) is quoted by sales.
Canadian retailers, restaurants and service businesses that want a domestic processor for in-person and online payments, with next-day deposits for BMO and RBC accounts.
Moneris rates
| Payment type | Published rate |
|---|---|
| In person (tap, dip, swipe) | 2.65% + 10¢ |
| Online or invoice link | 2.85% + 30¢ |
| Interac debit, card present (rate card shows $0.12; FAQ says $0.10) | 0% + 12¢ |
| Interac debit, card not present | 0% + $1.00 |
| Foreign card payment fee, Flat Rate (added) | 0.8% |
What Moneris costs on your volume
Fee calculator
On Moneris: $1,069 a month, $12,827 a year (2.67% effective on cards).
| Same volume on | Monthly | Yearly |
|---|---|---|
| PayPal (incl. PayPal Point of Sale) | $924 | $11,088 |
| Clover | $929 | $11,147 |
| Square | $1,053 | $12,640 |
| Moneris | $1,069 | $12,827 |
| Stripe | $1,084 | $13,013 |
Uses each provider's published headline card rate and ACH terms only. Monthly software, hardware and per-feature fees are listed separately below and are not included.
Monthly and other fees
| Fee | Amount |
|---|---|
| Device and monthly fees | Not published on the pricing page |
| Fraud tools (Kount, 3DS, tokenization) | Included on Flat Rate; incremental on Simplified |
Moneris fee traps to check
- Moneris's own page lists card-present Interac at $0.12 in the rate card and $0.10 in its FAQ; confirm which applies in your agreement.
- Online Interac debit costs $1.00 per transaction, which is expensive on small e-commerce orders.
- Foreign cards add 0.80% on Flat Rate, and up to 1.00% on Simplified Pricing.
- On Flat Rate you pay one price regardless of card, so lower interchange, including Canada's small-merchant reduction, does not reach you unless Moneris lowers the flat rate.
- Simplified Pricing adds network assessment and fraud-tool fees incrementally, so the headline margin is not your all-in cost.
How to lower your Moneris fees
- Ask Moneris to price your last 3 months on both Flat Rate and Simplified Pricing; the Code of Conduct requires quotes to include a Cost per Transaction Disclosure you can compare.
- Check you are getting Canada's small-merchant interchange cut: since Oct 19, 2024, businesses under $300,000 a year in Visa volume or $175,000 in Mastercard volume get in-store credit interchange averaging 0.95% and online interchange 10 basis points lower. On a flat rate you only benefit if the processor lowers your rate.
- Use the Code of Conduct: your processor must give 30 to 60 days' notice of fee increases or of interchange cuts it will not pass on, and you can exit without penalty within 70 calendar days after the change takes effect.
- In Canada, credit card surcharges have been allowed since Oct 6, 2022, capped at the lesser of your cost of acceptance or 2.4%, and Quebec merchants cannot surcharge consumers.
Can you pass the fee to customers?
Unclear. Moneris's pricing page does not describe a surcharge feature. Canadian rules cap surcharges at 2.4% or your cost of acceptance, and Quebec merchants cannot surcharge consumers.
Contract and cancellation
Not published on the pricing page. Canada's Code of Conduct requires your agreement to show cancellation terms and fees on its cover page.
Moneris vs other payment processor options
| Provider | In person | Online | ACH |
|---|---|---|---|
| Moneris | 2.65% + 10¢ | 2.85% + 30¢ | Not published |
| Square | 2.6% + 15¢ | 3.3% + 30¢ | 1%, capped at $10 |
| Clover | 2.3% + 10¢ | Not published | Not published |
| Stripe | 2.7% + 5¢ | 2.9% + 30¢ | 0.8%, capped at $5 |
| Helcim | Interchange + 0.4% + 8¢ | Interchange + 0.5% + 25¢ | 0.5% + $0.25, capped at $6 |
| PayPal (incl. PayPal Point of Sale) | 2.29% + 9¢ | 2.99% + 49¢ | 1%, capped at $10 |
Compare fees
- Payment processorSquare fees2.6% + 15¢ headline rate
- Payment processorClover fees2.3% + 10¢ headline rate
- Payment processorStripe fees2.7% + 5¢ headline rate
- Payment processorHelcim feesInterchange + 0.4% + 8¢ (interchange-plus)
- Payment processorPayPal (incl. PayPal Point of Sale) fees2.29% + 9¢ headline rate
Frequently asked questions
- What are Moneris's credit card rates?
- On Flat Rate Pricing, 2.65% + $0.10 per card-present credit transaction and 2.85% + $0.30 card-not-present, for Amex, Mastercard, Visa, UnionPay and Discover/JCB. Simplified Pricing is interchange-plus, based on your card mix and volume.
- How much does Moneris charge for Interac debit?
- Moneris lists $0.12 per card-present Interac transaction in its rate card and $0.10 in its FAQ, and $1.00 per online or in-app Interac transaction.
- Which Moneris plan is cheaper, Flat Rate or Simplified?
- Flat Rate is simpler and includes fraud tools, but you pay the same rate on cheap and expensive cards. Simplified passes through interchange and network fees, which tends to favour businesses with lots of debit and standard credit cards. Compare both on your own statement.
- Can I cancel Moneris if my fees go up?
- Under Canada's Code of Conduct, Moneris must give 30 to 60 days' notice of an applicable fee increase, and you can give notice to exit without penalty within 70 calendar days after the change takes effect.
Where Pavado comes in
How Pavado finds the money your business is leaking
Want Moneris's charges checked against your own agreement? Pavado reviews statement and contract exports, then returns a written list of potential overpayments and questions for your provider. No account logins needed.
Send us the statements, contracts and bills you already have. We read the lines nobody reads and come back with a written list of what you are overpaying, what is about to renew and what you are owed.
- Fees you are overpaying. Processor, bank and platform charges checked line by line against what you agreed to.
- Contracts before they renew. Every renewal date and notice window we can see, so you can leave or renegotiate in time.
- Bills worth disputing. Insurance audit bills and lead charges with a dispute or credit window still open.
- Money you are owed. Unpaid invoices and holdback sorted by age and by the deadline that protects them.
- 1.Tell us what you pay for and send exports, not logins.
- 2.A person replies within one business day with what we need.
- 3.You get a written list: each item, what it looks to be worth and who acts on it.
The first conversation and a scoped proposal are free, and we will tell you early if we are not the right fit.
Go deeper
- GuideBest Payment Processing for Contractors: 8 ComparedCompare 8 contractor payment processors on large-invoice fees, ACH caps and workflow. Check the full cost before switching, or request a free fee review.
- GuideShould I Accept Credit Cards as a Contractor?At a 10% net margin, a 3% card fee eats roughly 30% of the profit on the job. Here is the math, the rules in Canada and the US, and when to say no.
- GuideMerchant Processor Holding Funds? What to DoWhy processors like Toast freeze deposits or set reserves, what the contract lets them do, how MATCH works, and how to escape a POS or card-machine lease.
- GuideHow to Collect a Contractor Deposit: 5 RulesMake the deposit due 3 to 5 business days before the start date, size it to your upfront spend, and check state caps: California's is $1,000, not $10,000.
Sources
- Moneris: Pricing
- FCAC: Merchant rights under the Code of Conduct for the Payment Card Industry
- Department of Finance Canada: credit card fee reductions for small business (Oct 17, 2024)
- CFIB: Credit card surcharging in Canada
Cite this page
Pavado, “Moneris Fees 2026: Rates and Hidden Costs”, https://www.pavadotech.com/fees/moneris, updated 2026-09-24.