Credit card processing in Newfoundland and Labrador
Newfoundland and Labrador merchants deal with the most easterly market in North America, a summer tourist season built around icebergs, whales and George Street, and communities where connectivity and shipping are hard.
The Canada Revenue Agency lists 15% HST for Newfoundland and Labrador.
From Labrador mining-town businesses to George Street pubs: Newfoundland and Labrador's business mix
St. John's holds provincial government, the university, offshore oil offices and George Street's pubs and restaurants. Gander, Corner Brook and Grand Falls-Windsor serve their regions.
Outport communities depend on fishing and tourism, and Labrador's economy centres on mining, with long distances and weather that interrupt connections.
Newfoundland and Labrador rules on surcharges and discounts
For outport shops and inns in Newfoundland and Labrador, a credit card surcharge is allowed under FCAC's guidance if it stays within 2.4% and your cost, the processor has written notice and the fee is disclosed before the sale; debit cannot carry one.
Canada's surcharge rules in full · general information, not legal advice
Which pricing suits George Street pubs?
George Street pubs and restaurants with summer visitors should see international card fees clearly and plan for peak weeks. Outport and Labrador businesses need offline-capable hardware and pricing that does not penalize slow months. Many locals pay by Interac, so per-transaction debit pricing matters.
POS for outport shops and inns, iceberg and whale tour operators and more
- George Street pubs
- Tab management, tip adjustment and fast contactless, set up around how George Street pubs in Newfoundland and Labrador sell.
- Outport shops and inns
- Offline mode and backup connectivity, set up around how outport shops and inns in Newfoundland and Labrador sell.
- Iceberg and whale tour operators
- Online booking with deposits, set up around how iceberg and whale tour operators in Newfoundland and Labrador sell.
- Labrador mining-town businesses
- Rugged terminals and invoicing for contractors, set up around how Labrador mining-town businesses in Newfoundland and Labrador sell.
City-level pages
Send one statement. Every fee named, back, usually within 4 hours.
It is free, there is nothing to sign and nothing to cancel. We read your current merchant statement line by line, name every fee on it — including the ones buried in the fee schedule — work out your true effective rate, and send the written analysis back, usually within 4 hours. Do not want to wait? Call 1-888-705-7896 and we will read your statement with you on the call in about 5 minutes.
Communities across Newfoundland and Labrador
St. John's · Mount Pearl · Corner Brook · Conception Bay South · Paradise · Grand Falls-Windsor · Gander · Happy Valley-Goose Bay · Labrador City · Stephenville · Torbay · Portugal Cove-St. Philip's · Clarenville · Bay Roberts · Marystown · Deer Lake · Carbonear · Channel-Port aux Basques · Bonavista · Placentia · Wabana · Harbour Grace · Spaniard's Bay · Holyrood · Witless Bay · Bay Bulls · Ferryland · Trepassey · St. Anthony · Springdale · Botwood · Lewisporte · Twillingate · Fogo Island · New-Wes-Valley · Musgrave Harbour · Glovertown · Gambo · Burin · Grand Bank · Fortune · St. Lawrence · Burgeo · Ramea · Pasadena · Massey Drive · Steady Brook · Norris Point · Rocky Harbour · Port Saunders · Roddickton · Nain · Hopedale · Makkovik · Cartwright · Forteau · L'Anse-au-Loup · Churchill Falls · Wabush
Commercial corridors
St. John's
Water Street · Duckworth Street · George Street · Kenmount Road · Torbay Road · Elizabeth Avenue · Topsail Road · Stavanger Drive
Corner Brook
Main Street · West Street · Broadway · Confederation Drive
Mount Pearl
Commonwealth Avenue · Topsail Road · Old Placentia Road
Gander
Airport Boulevard · Elizabeth Drive · Roe Avenue
Questions from Newfoundland and Labrador businesses
FCAC says yes outside Quebec, up to 2.4% and not above cost, with notice and disclosure. Never surcharge Interac or Visa debit and prepaid. For George Street pubs: Check current rules first.
For outport shops and inns: The Canada Revenue Agency lists 15% HST for Newfoundland and Labrador.
Use a terminal with offline transactions and a backup connection.
All of it, from Conception Bay South to Happy Valley-Goose Bay. St. John's has its own page here. For Labrador mining-town businesses: We do not send sales reps door to door; the whole process runs by phone and email.