Visa Canada Interchange Summary by Card Product Type
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- Wilfred Palmer
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1 Visa Canada Interchange Summary by Card Product Type Visa is a global payments technology company that connects consumers, businesses, financial institutions and governments in more than 200 countries and territories, to fast, secure, and reliable digital currency. Whether paying for groceries, taking money out of an ATM when traveling, or buying supplies to increase sales inventory, using Visa makes payment faster, safer and easier for millions of people around the world. Interchange is part of the system that makes the electronic payment system possible. Interchange is the transfer rate exchanged between the merchant s and cardholder s financial institutions each time a Visa payment product is used. Interchange is set in a highly competitive and dynamic environment. Interchange is consistently monitored and adjusted sometimes increased and sometimes decreased in order to assure the economics and value of the transaction are balanced for all parties. Visa sets interchange in a manner that balances the value and economics among all parties that participate in the Visa network retailers, financial institutions and cardholders. If interchange is too low, then cardholders' financial institutions won't issue cards; if interchange is too high, retailers won't accept them. Retailers and consumers do not pay interchange interchange is the fee between two financial institutions. Retailers pay what is known as a Merchant Discount or Merchant Service fee, which is negotiated with their financial institution and may include interchange; the cost of transaction processing, terminal rental and customer service; and the acquirer's or processor's margin, among other costs. There is a cost to accept Visa cards, just as there is a cost to accept cash, cheques and other forms of payment. For example, it takes time to count and deposit cash, and cash may disappear as a result of errors or theft. Cheques can be delinquent or cause losses to retailers because of a lack of funds in the cheque writer's account. The cost to accept electronic payments may be more apparent to retailers, however, because they are directly billed for the service. Merchants that accept cards receive tremendous value at a fair price including access to a billion international cardholders, as well as guaranteed payment, fast transactions, greater risk management, enhanced record keeping and the potential for increased sales. It assures that financial institutions invest in the Visa system and the benefits that all cardholders enjoy from protection against fraud to car rental insurance to airline miles to 24/7 customer service. By balancing the economics among all participants, interchange encourages more merchants to accept Visa. For additional information, including the interchange rates associated with the card products listed below, please refer to Visa Canada Interchange Information. Page 1 of 6
2 Canadian Issued Visa Cards as of June 30, 2017 Infinite Business, Corporate/ CIBC CIBC Aventura Visa for Business Business CIBC CIBC Aerogold Visa Card for Business Business CIBC CIBC Aerogold Visa Infinite Card Infinite CIBC CIBC Aerogold Visa Infinite Privilege Card Infinite Privilege CIBC CIBC bizline Visa for Small Business Business CIBC CIBC Dividend Visa Card Classic, Gold, Platinum CIBC CIBC Classic Visa Card Classic, Gold, Platinum CIBC CIBC Platinum Visa Card Classic, Gold, Platinum CIBC CIBC Aero Classic Visa Card* Classic, Gold, Platinum CIBC CIBC Aerogold Visa Card Classic, Gold, Platinum CIBC CIBC Aero Platinum Visa Card Classic, Gold, Platinum CIBC CIBC Select Visa Card Classic, Gold, Platinum CIBC CIBC Aventura Visa Card Classic, Gold, Platinum CIBC CIBC Aventura Gold Visa Card Classic, Gold, Platinum CIBC CIBC Aventura Visa Infinite Card Infinite CIBC CIBC Dividend Visa Infinite Card Infinite CIBC CIBC Dividend Platinum Visa Card Classic, Gold, Platinum CIBC CIBC US Dollar Visa Card Classic, Gold, Platinum CIBC CIBC Classic Visa Card for Students Classic, Gold, Platinum CIBC CIBC Advantage Debit Card Debit CIBC CIBC Tim Hortons Double Double Visa Card Classic, Gold, Platinum CIBC CIBC TELUS Rewards Visa Card* Classic, Gold, Platinum CIBC CIBC Aventura Visa Card for Students Classic, Gold, Platinum CIBC CIBC Aero Platinum Visa Card for Students Classic, Gold, Platinum CIBC CIBC Tim Hortons Double Double Visa Card for Students Classic, Gold, Platinum CIBC CIBC TELUS Rewards Visa Card for Students* Classic, Gold, Platinum CIBC CIBC Dividend Visa Card for Students Classic, Gold, Platinum CIBC CIBC Smart Prepaid Visa Card Prepaid CIBC CIBC Smart Prepaid Travel Visa Card Prepaid Scotiabank Scotialine Visa for Business Visa Card Business Scotiabank Scotiabank Visa Commercial Card Corporate / Purchasing Scotiabank Scotiabank Visa Small Business Card Business Scotiabank ScotiaGold Passport for Business Visa Card Business Scotiabank Scotia Momentum for Business Visa Card Business Scotiabank Scotia Momentum Visa Infinite Card Infinite Scotiabank Scotiabank GM Visa Infinite Card Infinite Scotiabank Scotiabank GM Visa Card Classic, Gold, Platinum Scotiabank Scotia Momentum Visa Card Classic, Gold, Platinum Scotiabank No-Fee Moneyback Visa* Classic, Gold, Platinum Page 2 of 6
3 Scotiabank ScotiaHockey NHL Visa Card* Classic, Gold, Platinum Scotiabank SCENE Visa Classic, Gold, Platinum Scotiabank Student SCENE Visa Classic, Gold, Platinum Scotiabank No-Fee ScotiaGold Visa Card Classic, Gold, Platinum Scotiabank Scotiabank Value Visa Card Classic, Gold, Platinum Scotiabank No-Fee Scotiabank Visa Classic, Gold, Platinum Scotiabank ScotiaGold Passport Visa Card Classic, Gold, Platinum Scotiabank No-Fee Scotiabank Value Visa Card Classic, Gold, Platinum Scotiabank ScotiaLine Visa Card Classic, Gold, Platinum Scotiabank ScotiaLine for Business Visa Card Business Scotiabank Scotia Momentum No-Fee Visa Classic, Gold, Platinum Scotiabank L'earn Visa Card Classic, Gold, Platinum Scotiabank Scotia Rewards Visa Card Classic, Gold, Platinum Scotiabank Scotiabank More Rewards Visa Card Classic, Gold, Platinum Scotiabank Scotiabank US Dollar Visa Card Classic, Gold, Platinum Scotiabank ScotiaCard Debit Card Debit Scotiabank SCENE Debit Card Debit Desjardins Desjardins Business Card Business Desjardins Desjardins US Business Card Business Desjardins Desjardins Business Advantage Card Business Desjardins Desjardins Corporate Card Corporate / Purchasing Desjardins Desjardins Purchasing Card Corporate / Purchasing Desjardins Desjardins Business Freedom Solutions Business Desjardins Visa for Students Only Classic, Gold, Platinum Desjardins Visa Cash Back Classic, Gold, Platinum Desjardins Visa Classic Classic, Gold, Platinum Desjardins Visa Elegance Gold Classic, Gold, Platinum Desjardins Visa Modulo Gold Classic, Gold, Platinum Desjardins Visa Odyssey Gold Classic, Gold, Platinum Desjardins Visa Prestige Platinum* Classic, Gold, Platinum Desjardins Visa U.S. Card* Classic, Gold, Platinum Desjardins Desjardins Odyssey Visa Infinite Privilege Infinite Privilege Desjardins Desjardins Prepaid Card Prepaid Laurentian Visa Business Card Business Laurentian Visa Business Performance Card Business Laurentian Laurentian Bank Visa Business Crevier Business Laurentian Visa EXPLORE Classic, Gold, Platinum Laurentian Visa DOLLARS Classic, Gold, Platinum Laurentian Visa REWARD ME Classic, Gold, Platinum Laurentian Visa Black Classic, Gold, Platinum Laurentian Student Visa Black Classic, Gold, Platinum Page 3 of 6
4 Laurentian Visa Black Reduced Rate Classic, Gold, Platinum Laurentian Visa STM Classic, Gold, Platinum Laurentian Laurentian Bank Complicité Visa Card* Classic, Gold, Platinum Laurentian FADOQ Gold Privilege Visa Card Classic, Gold, Platinum Laurentian Visa Infinite Réseau des ingénieurs Card* Infinite Laurentian OSPE Visa Infinite Card* Infinite Laurentian Laurentian Bank Visa Infinite Card Infinite Chase Canada Marriott Rewards Premier Visa Card Classic, Gold, Platinum Chase Canada Amazon.ca Rewards Visa Card Classic, Gold, Platinum Home Trust Home Trust Secured Visa Card Classic, Gold, Platinum Home Trust Home Trust Equityline Visa Card Classic, Gold, Platinum Home Trust Visa PropriOR Classic, Gold, Platinum Home Trust Home Trust Giant Tiger Rewards Classic, Gold, Platinum Home Trust Union Plus Canada Visa Classic, Gold, Platinum Home Trust Optimax Secured Visa Classic, Gold, Platinum Home Trust Optimax Cash Back Visa Card Classic, Gold, Platinum U.S. Bank Canada U.S. Bank Canada Corporate Card Corporate / Purchasing U.S. Bank Canada U.S. Bank Canada US Dollar Corporate Card Corporate / Purchasing U.S. Bank Canada U.S. Bank Canada Purchasing Card Corporate / Purchasing U.S. Bank Canada U.S. Bank Canada One Card Corporate / Purchasing Vancity enviro Expense Gold Visa Corporate / Purchasing Vancity enviro Classic Visa Classic, Gold, Platinum Vancity enviro Gold Visa Classic, Gold, Platinum Vancity enviro Reloadable Visa Prepaid Vancity enviro Gift Card Visa Prepaid Citibank Citi Commercial Card Corporate / Purchasing ICBC Canada ICBC Visa Card Classic, Gold, Platinum ICICI Canada ICICI Coral Visa Card Classic, Gold, Platinum ICICI Canada ICICI Rubyx Visa Platinum Card Classic, Gold, Platinum Citizen Bank Shared Interest Classic Visa Classic, Gold, Platinum Citizen Bank Shared Interest Classic Student Visa Classic, Gold, Platinum Citizen Bank Amnesty International Visa Classic, Gold, Platinum Citizen Bank Oxfam Canada Visa Classic, Gold, Platinum Citizen Bank Shared Interest Gold Visa Classic, Gold, Platinum Citizen Bank Citizens Bank Reloadable Visa Prepaid Citizen Bank Citizens Bank Gift Visa Card Prepaid Citizen Bank Corporate Reward Visa Gift Card Prepaid RBC Virtual Visa Debit Card Debit RBC RBC Visa Gift Cards Prepaid Page 4 of 6
5 RBC RBC Visa Commercial Prepaid Card Prepaid RBC RBC RateAdvantage Visa Classic, Gold, Platinum RBC RBC Visa Classic Low Rate Classic, Gold, Platinum RBC RBC Visa Classic II* Classic, Gold, Platinum RBC RBC Rewards+ Visa Classic, Gold, Platinum RBC RBC Visa Gold Preferred* Classic, Gold, Platinum RBC RBC Rewards Visa Gold* Classic, Gold, Platinum RBC RBC Rewards Visa Preferred Classic, Gold, Platinum RBC Signature RBC Rewards Visa Classic, Gold, Platinum RBC RBC U.S. Dollar Visa Gold Classic, Gold, Platinum RBC RBC Visa Platinum* Classic, Gold, Platinum RBC RBC Visa Platinum Avion Classic, Gold, Platinum RBC RBC Visa Cash Back* Classic, Gold, Platinum RBC RBC Private Banking Visa Infinite* Infinite RBC RBC Visa Infinite Avion Infinite RBC RBC Avion Visa Infinite Privilege Infinite Privilege RBC RBC Avion Visa Infinite Privilege for Private Banking Infinite Privilege RBC RBC Visa Business Business RBC RBC Visa CreditLine for Small Business Business RBC RBC Visa Business Platinum Avion Business RBC RBC Esso Visa* Classic, Gold, Platinum RBC RBC Cathay Pacific Visa Platinum Classic, Gold, Platinum RBC RBC British Airways Visa Infinite Infinite RBC RBC Commercial Avion Visa Corporate / Purchasing RBC RBC Commercial Cash Back Visa Corporate / Purchasing RBC RBC Commercial U.S. Dollar Visa Corporate / Purchasing RBC RBC Commercial Visa Corporate / Purchasing TD TD Access Debit Card Debit TD TD Aeroplan Visa Infinite Privilege Card Infinite Privilege TD TD Aeroplan Visa Infinite Card Infinite TD TD Aeroplan Visa Platinum Card Classic, Gold, Platinum TD TD Aeroplan Visa Business Card Business TD TD Business Travel Visa Card Business TD TD First Class Travel Visa Infinite Card Infinite TD TD Business Visa Card Business TD TD Venture Line of Credit Visa Card Business TD TD Classic Travel Visa Card* Classic, Gold, Platinum TD TD Platinum Travel Visa Card Classic, Gold, Platinum TD TD Drivers Rewards Visa Card* Classic, Gold, Platinum TD TD Emerald Visa Card* Classic, Gold, Platinum TD TD Emerald Flex Rate Visa Card Classic, Gold, Platinum TD TD Green Visa Card* Classic, Gold, Platinum Page 5 of 6
6 TD TD U.S. Dollar Visa Card Classic, Gold, Platinum TD TD Gold Elite Visa Card* Classic, Gold, Platinum TD TD Gold Select Visa Card* Classic, Gold, Platinum TD TD Cash Back Visa Card Classic, Gold, Platinum TD TD Cash Back Visa Infinite Card Infinite MBNA MBNA NFL Rewards Visa Card Classic, Gold, Platinum MBNA MBNA Visa Infinite Smart Cash Card Infinite MBNA Nordstrom Rewards Visa Platinum Card Classic, Gold, Platinum MBNA Nordstrom Rewards Visa Infinite Card Infinite Meridian Meridian Visa Cash Back Card Classic, Gold, Platinum Meridian Meridian Visa Platinum Cash Back Card Classic, Gold, Platinum Meridian Meridian Visa Platinum Travel Rewards Card Classic, Gold, Platinum Meridian Meridian Visa Infinite Cash Back Card Infinite Meridian Meridian Visa Infinite Travel Rewards Card Infinite Meridian Meridian Visa US Dollar Card Classic, Gold, Platinum Meridian Meridian Visa Business Flex Cash Back Plus Card Business Meridian Meridian Visa Business Cash Back Plus Card Business Meridian Meridian Visa Infinite Business Cash Back Plus Card Infinite Business Manulife Manulife MONEY Visa Platinum Card Classic, Gold, Platinum Manulife Manulife MONEY Visa Infinite Card Infinite Peoples Trust Vanilla Visa Card Prepaid Peoples Trust Nextwave Titanium + Visa Prepaid Peoples Trust Give & Go Visa Prepaid Card Prepaid Peoples Trust 3V Visa Prepaid Vouchers Prepaid Peoples Trust InteliSpend Universal Visa Card Prepaid * In market, no longer being issued. Please note: The card product categories applicable to Visa issuer card programs listed above are based on the information of, and authorization from, Visa s issuing clients. This information is, to the best of Visa s knowledge, accurate as of the date of this document. Card programs are established by Visa s issuing clients, and this information is provided by Visa for convenience only. Visa does not warrant the accuracy or currency of this information. Page 6 of 6
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