Canada Compliance Guide

As a registered Payment Facilitator in Canada, Payrix must comply with the requirements of the Code of Conduct for the Credit and Debit Card Industry in Canada (referred to as “The Code”). As a Partner to Payrix, you will be required to help us comply with some of the Code requirements as you are the Merchant-facing entity that directly communicates with the Merchant.

These requirements include:

• Providing Monthly Merchant Statements - You will be required to provide a Code Compliant Monthly Merchant Statement that displays the rates and fees associated with each card brand and type accepted by the Merchant;

• Fee Change/Introduction of New Fee Notice - You will be required to provide Merchants with a minimum of 90 days' notice of any new fees or fee increases related to credit or debit card transactions, or of a reduction in applicable interchange rates; and

• Complaints Handling Process - You must establish a complaints intake process including the escalation process to Payrix for Code-related complaints.

Further guidance on how to meet these requirements is outlined below.

If you have any issues or general compliance requirement questions, contact support or call +1 (855) 672-9749.

See supporting documentation here:

Providing Monthly Merchant Statements

As a part of Partners serving Canadian Merchants, it is also your responsibility to provide each Merchant with a monthly statement showing the following information:

Data	Required	Description
Card Type	Required	MasterCard Credit, Visa Credit, MasterCard Debit or Visa Debit. American Express & Discover are not currently supported.
Number of Sales	Required	Total number of sale transactions for the Merchant.
Gross Sales	Required	The gross sales amount in dollars for all Merchant transactions.
Service Rate	Required	Either a flat rate charged or applicable interchange percentage rates for each card type.
Rate Fee	Required	Rate Fee is calculated from multiplying the Service Rate (%) x Gross Sales Amount ($)
Per Transaction Fee	Required	Per Transaction Fee is calculated from multiplying the flat-rate transaction fee ($X.XX) x Total Sales ($)
Total Fees	Optional	Total Fees is calculated by adding the Rate Fee + Transaction Fee ($X.XX)
Effective Merchant Discount Rate	Required	Effective Merchant Discount Rate is calculated by dividing the Total Fees transaction fee ($X.XX) ÷ Gross Sales (%)

It is recommended that you provide this information in a .CSV format so that your Merchants can easily view the information in Excel.

Please download the example below for a sample of what your Monthly Merchant Statement information should look like:

Example Monthly Merchnt Statement.xlsx - Sheet1.csv

Introduction of New Fee or Fee Change Notice

As Payrix would only increase fees directly applicable to its Partners, Payrix will provide a minimum of 120 days’ notice of any fee increases, the introduction of a new fee related to any credit or debit card transactions, or a reduction in applicable interchange rates. If Partners of Payrix decide to make changes to fees due to this notice, they must provide their Merchants with a minimum of 90 days’ notice of any fee increases, the introduction of a new fee related to any credit or debit card transactions, or a reduction in applicable interchange rates.

Notification Requirements

• Advance Notice - Payrix requires all Canadian partners to notify all impacted Merchants of your fee increases or when introduce a new fee at least 90-days before the change takes effect.

• Communication Retention - You must retain these notifications for your records should Payrix request a copy for compliance testing purposes.

Complaints Handling Process & Requirements

As a Payrix Partner servicing Merchants in Canada, you are the first point of contact for your Merchants should they have any issues or complaints regarding the billing integration services we provide. As such, you are required to establish a complaint intake and handling process.

1. Set up your Online Complaint Intake Form.

2. Establish your Internal Complaint Handling Process.

3. Understand how to identify a Code-related complaint.

4. Learn how to submit any Code-related complaints to Payrix

Step 1: Set up your Online Complaint Intake Form

An online complaint intake form is required for your Merchants/sub-Merchants to submit potential Code-Related Complaints with the service or platform.

Create your online intake form for your Merchants to submit the information required in Step 2.

As a minimum, the complaint intake form must include the following information:

• Name of submitter.

• The business name.

• Contact Info (phone number & email).

• Box where Merchant can type in a summary of the complaint & all helpful details.

• Place to attach copies of any supporting documentation (i.e. agreements, statements, correspondences).

Step 2: Establish Internal Complaint Handling Process

An internal process must be established explaining how the initial complaint review will be handled (including timeframes) to determine if it is a general complaint or Code related complaint.

Process explaining how Merchants will be sent an acknowledgment and escalation notice within 5-business days of receipt of the complaint and process explain the escalation of the complaint to Payrix if the complaint is determined to be Code related.

Step 3: Identifying a Code-Related Complaint

What is a Complaint? 

A complaint is any expression of dissatisfaction with a product, service, policy, or an employee related to the Platform (except those made by cardholders who are also employees of your company).  

General customer service complaints are your responsibility, while Payrix is responsible for managing and resolving Code-Related Complaints.

What is a Code-Related Complaint?

It is important to distinguish between customer communications that you should resolve, versus those that you should forward to Payrix for resolution.

• Code-Related Complaints – Refer to issues or conduct identified with the platform that Merchant believes is contrary to the Code.

If you are ever unsure, please forward the customer inquiry to Payrix Support and Payrix can determine whether the communication constitutes a complaint.

Step 4: Submit Code-Related Complaints to Payrix

When a Code-Related Complaint is identified, it must be submitted to Payrix support to manage any potential Code violations. All required information must be provided so that Payrix can properly investigate the matter.

After submitting the code-related complaint to Payrix, you must send an acknowledgement email within 5 business days to your Merchant/sub-Merchant notifying them that their complaint has been received and escalated to Payrix Support.

Payrix Complaint Handling for Merchants

As a Canadian Merchant you must be provided with access to a clear dispute-resolution process for resolving complaints related to the Code of Conduct for the Credit and Debit Card Industry in Canada.

If you believe that we have acted in a way that is contrary to the Code and would like to file a complaint directly with us regarding our billing integration services, please visit our online complaint intake portal and complete the form.

Information Required for Submission

Please include any information that may help us resolve your concerns to the best of our ability by including:

• A summary of your concerns

• All details, such as the name(s) of any individuals involved in or know about the issue.

• The date of the incident or on which the matter began.

• Copies of any supporting documentation (i.e., agreements, statements, correspondence).

Submission Response

Upon receipt of your complaint, Payrix will acknowledge receipt of your complaint within five (5) business days. Following the completion of our investigation, Payrix will provide you with our final decision in writing within ninety (90) days of receiving your complaint, along with:

• A summary of the complaint.

• The final result of the investigation.

• Explanation of the final decision.

• Information on how to further escalate your complaint in the event of an unsatisfactory outcome.

If we cannot provide a response to you within 90 days you will be informed of the delay, the reason for the delay and the expected response time.

If your complaint has not been resolved after following the above process, you have the right to refer your complaint to the following

Code-Related Complaints

Amendments made in April 2015 to the Code of Conduct for the Credit and Debit Card Industry​, Element 13, now state that payment card network rules require Merchants to have access to a clear dispute resolution process.

This provides relevant information for an investigation and a timely response to Code-Related Complaints.

As Payrix Partner serving Canadian Merchants, you will be the first point of contact for your Merchants/sub-Merchants. Payrix will conduct an investigation, remediation if there is an error, and notify the Merchant/sub-Merchant of our investigation response within the required 90 days' time frame since receipt of a complaint.  

Tip: Escalate the Code-Related Complaints to Payrix through our online support site.

Below is a quick summary of Complaint Element Codes:

^{* = Required, Payrix will work with you to resolve this type of complaint.}