Moneris Interchange Plus Fee Schedule in 2026: What Canadian Merchants Actually Pay

Moneris structures its Interchange Plus pricing—marketed as Simplified Pricing—by passing card network interchange and assessment fees directly to merchants at true cost. The processor then adds a fixed transaction markup of 0.40%.

Wholesale costs fluctuate based on card type, environment, and processing channel. In Canadian network tables, Visa Consumer Small Merchant interchange rates sit at 0.77% for basic transactions. Premium tiers like Visa Infinite Privilege hit 2.3% for card-not-present sales.

Merchants on all Moneris plans incur standard cross-border fees. This includes a mandatory 0.8% foreign card payment fee applied to international payment cards.

Moneris Simplified Pricing passes through network fees at true cost alongside a 0.40% processor markup. Conversely, Moneris Flat Rate charges fixed bundled rates of 2.65% plus CA$0.10 for card-present credit sales and 2.85% plus CA$0.30 for card-not-present credit sales.

The structural difference lies in billing for Interac debit. On Flat Rate pricing, card-present Interac debit carries a strict flat fee of CA$0.12 per transaction, and card-not-present debit costs CA$1.00. Under Interchange Plus pricing, debit incurs percentage-based pricing. Moneris stacks its standard 0.4% markup on top of network costs rather than capping the transaction at a flat cents fee.

Both pricing models share incidental account maintenance charges. Moneris assesses a $25 chargeback fee per disputed transaction, a $5 Moneris Go software fee, and a $2 paper statement fee. Evaluating these line items is critical to read a Moneris pass-through statement accurately and achieve parity between advertised and actual rates.

Across analyzed credit and debit statements, Moneris Flat Rate card-present pricing yields a lower all-in effective rate than Simplified Pricing for retail storefronts with a 60% credit and 40% debit mix.

Take a merchant processing CA$10,000 monthly volume across 200 transactions with a CA$50 average ticket. Moneris Flat Rate card-present processing totals CA$180.60/month or CA$2,167.20/year. This represents a 1.81% all-in effective rate with debit billed at CA$0.12 per transaction. The same business on Simplified Pricing pays CA$194/month or CA$2,328/year—an effective rate of 1.94%, assuming a 1.54% average credit interchange rate plus the 0.4% markup. Online merchants on Flat Rate pay CA$287/month or CA$3,444/year at a 2.87% effective rate, demonstrating why Flat Rate pricing often beats Simplified Interchange Plus for Canadian storefronts.

At CA$25,000 monthly volume across 500 transactions with a CA$50 average sale, Flat Rate card-present costs CA$451.50/month or CA$5,418/year at a 1.81% effective rate. Simplified Pricing costs CA$485/month or CA$5,820/year at a 1.94% effective rate. Flat Rate online costs CA$717.50/month or CA$8,610/year at 2.87%, creating a CA$3,192 annual spread. A merchant at $25,000 monthly volume saves exactly $402 per year on Flat Rate card-present because the capped CA$0.12 debit fee heavily outperforms the 0.4% debit markup under Simplified Pricing. Flat Rate runs cheaper for this profile and carries no additional fixed monthly baseline cost.

Mandatory 2026 payment network adjustments pass directly through to Canadian merchants on Moneris Interchange Plus pricing. These structural updates permanently alter total card processing expenses across Visa, Mastercard, and Interac.

Effective April 1, 2026, Visa increases its Non-domestic Settlement Fee and Multi-currency Non-domestic Settlement Fee from 0.1130% to 0.2825%. On October 24, 2026, Visa adjusts consumer credit interchange rates. The network lowers fees for Core, Infinite, and Infinite Privilege consumer cards while raising Business Credit interchange to 2.15%.

Mastercard replaces its Acquirer Clearing Fee on October 19, 2026. The new Acquirer Network Access and Brand Usage (NABU) fee charges $0.022035 USD for domestic transactions and $0.033335 USD for foreign transactions. Finally, on November 1, 2026, Interac increases its Switch and Mobile Service Fees for card-present Interac Debit to CA$0.016315 per transaction. Merchants in MCC 5531 face even higher Interac Flash fees, leaping from a $0.020 Tier 1 rate to a $0.035 Tier 3 rate for purchases between $0.01 and $100.00.