Practical guidance on payments, point of sale, and running a business in Canada.
Hiring extra staff for December, returns landing in January, and the one day debit volume spikes hard: what a Quebec business owner should check before the season starts.
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Interac Debit fees and credit card fees aren't calculated the same way. Understanding the difference makes your processing statement much easier to read.
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A foreign-issued debit card gets declined at the terminal. Here's why, what dynamic currency conversion means, and what to check before tourist season.
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What actually changes day to day when a business swaps its cash register for a modern point-of-sale system: inventory tracking, bookkeeping and real-time sales reports.
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In Quebec, a tip always belongs to the employee who earned it. Here's exactly where an owner's role stops once staff decide to split tips among themselves.
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Buying or leasing your payment terminal? What ownership, maintenance, Quebec contract law and tax treatment actually mean for each option, compared evenly.
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Between the sale and the deposit there are two separate clocks. Knowing which one you control changes how you plan a payroll run or a slow season.
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When the card isn't in front of you, the rules change. What to stop doing, what to record, and the signals that should make you slow down.
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Offline mode accepts payments without verifying them, and the risk is yours. What it really does, how to cap it, and what to prepare before the outage.
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Most merchants look at one number on this document. Here are the four sections that actually matter, and what Canadian rules let you insist on.
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Contactless limits are not set by you or by your terminal. Knowing who sets them keeps you from making a customer look like a fraud risk at the counter.
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It isn't a law, it isn't an audit, and your provider doesn't handle it alone. What is actually being asked of you, and where to start.
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