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eCommerce Disclosure Requirements Best Practices - Canada

Defines the requirements related to accepting payments on your website put in place by the card brands.

This page covers the disclosure requirements set by the card brands (Visa, MasterCard, AMEX, Discover) that apply to all merchants processing eCommerce transactions. eCommerce transactions include all in-app and embedded payments.

This page includes a table that defines each of the requirements and a sample web page that shows the implementation of each of the requirements. These requirements apply to the following entities that accept payments in apps or on websites:

Standard Merchants

Sponsored Merchants

High-Brand Risk Merchants

High-Brand Risk Sponsored Merchants

Standard Payment Facilitators

High-Brand Risk Payment Facilitators

You can read a complete list of Code of Conduct requirements for Canadian merchants here:

Code of Conduct (CAN)

Best Practice Requirements:

Transparent eCommerce Disclosure

CAN Code of Conduct - Element 1: Transparency and Disclosure Element
  1. Payrix will ensure all disclosures to sub-merchants provided under the Code are presented in a clear, simple, and non-misleading manner.

  2. Sub-merchant agreements will include a cover page containing:

    1. An information summary box that provides key elements of the contract in a consolidated fashion using the template set out in Addendum I to the Code;

    2. A fee disclosure box using the template set out in Addendum I to the Code; and

    3. Another fees disclosure box disclosing all other fees (e.g. monthly minimums) to be charged to the merchant. There is no prescribed template for the other fees disclosure box.

  3. Payrix’s Partners are responsible for providing statements to the merchants through hard copy via post, soft copy via email, or using a merchant portal where applicable and available.

    1. Payrix will provide Partners billing information that includes the following Code requirements that must be developed into the Partner’s statement creation system during implementation and will be periodically tested to ensure controls are being met appropriately.

  4. Effective merchant discount rate for each type of payment card from a PCNO network that the merchant accepts;

  5. Interchange rates and, if applicable, all other rates charged to the merchants;

  6. The number and volume of transactions for each type of payment transaction;

  7. The total amount of fees applicable to each rate; and,

  8. Details of each fee and to which PCNO they relate.

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