Code of Conduct

The Code of Conduct for the Credit and Debit Card Industry in Canada, referred to as the Code of Conduct, including enhancements introduced by The Honourable Joe Oliver, Minister of Finance, on April 13, 2015 helps provide transparency to merchants and guidance to understanding your merchant contract and rights. Merchants may visit review the current by clicking the following link:


https://www.canada.ca/en/financial-consumer-agency/services/industry/laws-regulations/credit-debit-code-conduct.html


Nothing restricts you from directly filing a complaint with the Financial Consumer Agency of Canada (FCAC) to investigate non-compliance with the Code.

The Financial Consumer Agency of Canada

The Financial Consumer Agency of Canada (FCAC) supervises Payment Card Network Operators to determine whether they are in compliance with the provisions of the Payment Card Networks Act and the elements of the Code of Conduct for Credit and Debit Card Industry in Canada. It also educates consumers and monitors industry Codes of Conduct and public commitments designed to protect consumer interests.

Please visit the Financial Consumer Agency of Canada’s website for more information on merchant rights under the Code of Conduct for the Credit and Debit Card Industry in Canada.

FCAC is not a dispute-resolution agency for consumers in their individual dealings with payment card network operators or acquirers.

The FCAC can be reached via:

Telephone:1.866.461.3222

Email:info@fcac-acfc.gc.ca

Mail:Financial Consumer Agency of Canada 6th Floor, Enterprise Building  427 Laurier Ave. West Ottawa, ON K1R 1B9

Please note that the information being submitted may be shared with your Payment Card Network Operator, acquirer, processor or financial institution in order to assist us in answering your concerns.