Understanding your Elavon merchant statement in 2026 (Canada)

Elavon merchant statements divide total processing costs into three distinct sections: Activity Fees, Card Fees, and Other Fees. Separating these buckets lets you isolate standard transaction handling costs from card-specific charges and overhead fees.

Activity Fees cover transaction authorizations. You pay these on a per-item basis regardless of your overall volume. Card Fees reflect the core cost of processing payments, calculated using either a percentage-based discount rate or a per-item fixed fee based on card type. The Other Fees section aggregates monthly or service costs, including recurring terminal rentals, monthly PCI compliance fees, one-time PCI non-compliance penalties, and statement generation fees.

Your statement also specifies key account details, including billing period dates, your merchant ID, and customer service contacts. For existing accounts, Elavon provides 24/7/365 customer support. Sales support for new accounts operates Monday through Friday from 9:00 AM to 7:00 PM EST.

Across five real Canadian Elavon merchant statements we analyzed, merchants paid a blended effective rate of 1.40%. Evaluating this figure gives you a hard baseline to determine whether your payment processing expenses align with market standards.

To calculate your effective rate, divide your total monthly fees by your total monthly processing volume. By bringing your own costs into parity with this 1.40% baseline, you immediately identify whether non-volume overhead or card-specific markups inflate your bills.

Elavon merchant statements reflect one of three pricing models: flat rate, tiered pricing, or interchange plus. Identifying your active model clarifies how credit card network rates impact your monthly charges.

Elavon's standard published pricing for in-person processing starts at 2.60% plus 10¢ per qualified swipe or chip transaction. Online processing starts at 2.90% plus 30¢ per qualified transaction. Under an interchange-plus pricing structure, processor markups sit directly on top of wholesale card network rates.

Card network rates vary heavily by card type and transaction method. For example, tracked Visa CA network rates include Consumer Electronic Small Merchant at 0.77% and Infinite Privilege CNP Small Merchant at 2.3%. Knowing these baseline rates exposes exactly how much of your cost stems from the networks versus the processor.

The Other Fees section of your Elavon statement contains recurring overhead and service charges. These include terminal rentals, statement generation fees, monthly PCI compliance fees, and one-time PCI non-compliance penalties. Review this section monthly to spot non-transaction fees that inflate your effective rate.

Businesses accepting credit cards must comply with Payment Card Industry Data Security Standard (PCI DSS) rules. Monthly compliance fees cover routine management. If you fail to complete the required validation, Elavon triggers one-time non-compliance penalties that push your costs higher.

Beyond compliance, this section lists recurring equipment rentals and monthly statement fees. Elavon processes roughly 6 billion global transactions annually, and they itemize administrative and terminal management costs separately under these service lines.

Dynamic Currency Conversion (DCC) reporting on an Elavon statement details foreign card activity. It displays both actual rebates earned and potential rebates missed. This reporting proves critical for Canadian merchants who regularly handle foreign credit cards, such as US volume.

DCC allows foreign cardholders to complete transactions in their home currency at the point of sale. When you enable this service, Elavon tracks the conversion volume and reports your revenue share.

The statement contrasts actual rebates earned against the potential rebates you missed when eligible transactions bypassed conversion. Reviewing these figures lets you measure the direct financial impact of foreign cards and capture maximum revenue from international buyers.