Visa Canada Interchange Summary by Card Product Type
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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 5
2 Canadian Issued Visa Cards as of October 16, 2015 Institution Card Product CIBC CIBC Aventura Visa for Business Business CIBC Aerogold Visa Card for Business Business CIBC CIBC Aerogold Visa Infinite Card Infinite CIBC CIBC Aerogold Visa Infinite Privilege Card Infinite Premium CIBC bizline Visa Card Business CIBC Dividend Card Classic, Gold, Platinum CIBC Classic Visa Card Classic, Gold, Platinum CIBC Platinum Visa Card Classic, Gold, Platinum CIBC Aero Classic*, Aero Platinum Visa Card Classic, Gold, Platinum CIBC Select Visa Card Classic, Gold, Platinum CIBC CIBC Aventura Visa Card Classic, Gold, Platinum CIBC Aventura Gold Visa Card Classic, Gold, Platinum CIBC Aventura Visa INFINITE Card Infinite CIBC Dividend Visa INFINITE Card Infinite CIBC Dividend Platinum Card Classic, Gold, Platinum CIBC CIBC US Dollar Visa Classic, Gold, Platinum CIBC Classic Visa Card for Students Classic, Gold, Platinum CIBC Advantage Visa 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 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 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 Scotiabank ScotiaHockey NHL Visa Card Classic, Gold, Platinum Scotiabank SCENE Visa Classic, Gold, Platinum Scotiabank No - Fee ScotiaGold Visa Classic, Gold, Platinum Scotiabank Scotiabank Value Visa Classic, Gold, Platinum Scotiabank No - Fee Scotiabank Visa Classic, Gold, Platinum Scotiabank ScotiaGold Passport Visa Classic, Gold, Platinum Page 2 of 5
3 Scotiabank No - Fee Scotiabank Value Visa Classic, Gold, Platinum Scotiabank ScotiaLine Visa Classic, Gold, Platinum 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 US Dollar Visa Card Classic, Gold, Platinum 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 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 Laurentian Visa Black Reduced Rate Classic, Gold, Platinum Laurentian Visa STM Classic, Gold, Platinum Laurentian 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 Chase Canada Marriott Rewards Premier Visa Card Classic, Gold, Platinum Chase Canada Amazon.ca Rewards Visa Card Classic, Gold, Platinum Home Trust Secured Visa Card Classic, Gold, Platinum Home Trust Equityline Visa Card Classic, Gold, Platinum Home Trust Visa PropriOR Classic, Gold, Platinum Home Trust Giant Tiger Rewards Classic, Gold, Platinum Home Trust Union Plus Visa Classic, Gold, Platinum Page 3 of 5
4 Home Trust Optimax Visa 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 Visa Gift Card Prepaid Citibank Citi Commercial Card Corporate / Purchasing Citizen Bank Shared Interest Classic, Gold, 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 Visa Gift Card Prepaid RBC Virtual Visa Debit Debit RBC RBC Visa Gift Cards 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 Visa Gold Preferred Classic, Gold, Platinum RBC RBC Rewards Visa Gold Classic, Gold, Platinum RBC RBC Rewards Visa Preferred Classic, Gold, Platinum RBC RBC Signature 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 RBC RBC Avion Visa Infinite Privilege for Private Banking Infinite RBC RBC Visa Business Business RBC RBC Royal Bank Visa CreditLine for Small Business Business RBC RBC Visa Business 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 Page 4 of 5
5 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 Small 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, 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 Green Visa Card Classic, Gold, Platinum 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 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 Intellispend 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 5 of 5
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