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Becoming a UnionPay Merchant
Please contact a UnionPay acquirers to get more details about accepting UnionPay. To learn more about their acquiring capabilities, contact one of the following companies, or visit their website for more information.
Acquirers providing UnionPay POS solutions:
Bank of China (Canada) China UnionPay Acquiring Services
1-877-823-2288 or 905-771-2873
Elavon Canada (UnionPay credit card acceptance only)
1-866-310-3345
https://www.elavon.ca/canadian-code-conduct-requirements.html
Acquirers providing UnionPay eCommerce solutions:
Bank of China (Canada) China UnionPay Acquiring Services
1-877-823-2288 or 905-771-2873
Code of Conduct Related
UPI's Process for Resolving Complaints Pertaining to the Code of Conduct
If you have a complaint about an element of the Code of Conduct for the Payment Card Industry in Canada , please follow the steps below.
1 If you are a UPI merchant, please contact the UPI Acquirer that processes your UnionPay transactions. If you are a UnionPay cardholder, please contact your card issuer. These parties are best positioned to resolve complaints quickly.
2
If your complaint remains unresolved, please complete the Common Complaint Form (Code-related Merchant Complaints) and send it to UPI Compliance (Canada) at amcacompliance@unionpayintl.com.
Download the Common Complaint Handling Form (PDF, 93 KB)*
Source: FCAC— “Common complaint-handling template for payment card network operators and acquirers (PDF)”.
Following receipt of your complaint, we will:
• Acknowledge receipt of your complaint within five (5) business days;
• Keep you informed throughout the process; and
• Provide our final decision in writing within thirty (30) business days of receiving the merchant complaint, along with:
o A summary of the complaint;
o The final result of the investigation;
o The final decision, including an explanation; and
o Information on how to further escalate if you remain dissatisfied.
If we cannot provide a response to you within thirty (30) business days, we will inform you of the reason for the delay and the expected response time.
3
If you remain unsatisfied, you may contact the Financial Consumer Agency of Canada (FCAC) via:
Email: info@fcac-acfc.gc.ca
Telephone:
For service in English: 1-866-461-3222
For service in French: 1-866-461-2232
For calls from outside Canada: 613-960-4666
Interchange Fee - Canada
Concept: Every time a UnionPay Card is used, members of UnionPay International Co., Ltd. (UPI) remit or receive an interchange reimbursement fee (Interchange).
1. Interchange
UPI's current Interchange structure includes rates that vary by acceptance region, transaction type, card type, card level and merchant category. The goal of UPI in setting such fee rate is to ensure wide-spread issuance and acceptance of UnionPay Cards.
Current Interchange rate for transactions captured in UnionPay network in Canada is as follows:
| Transaction Type & MCCs | Interchange - Acquirer Pays Issuer | ||
|---|---|---|---|
| POS Transactions | 1.1% | ||
| E-Commerce Transactions | Airlines(4511,3000-3350), Education(8211,8220,8241,8244,8249,8299) | 1.15% | |
| Other MCCs | 1.2% | ||
| QRC-based Transactions | Daily-consumed MCCs | Per Transaction Amount ≤USD 140 | 0.55% |
| Per Transaction Amount >USD 140 | Subject to UPI Pricing Scheme for POS transaction | ||
| Other MCCs | |||
| Recurring | 1.1% | ||
| MO/TO | 1.5% | ||
2. Service Fee
UPI's current Service Fee structure includes rates that vary by acceptance region, transaction type and merchant category.
All transactions acquired in Canada, the service fee paid by Acquirers are shown as follows:
| Transaction Type & MCCs | Service Fee - Acquirer Pays UPI | ||
|---|---|---|---|
| POS Transactions | 0.1% | ||
| E-Commerce Transactions | Airlines(4511,3000-3350), Education(8211,8220,8241,8244,8249,8299) | 0 | |
| Other MCCs | 0.2% | ||
| QRC-based Transactions | Daily-consumed MCCs | Per Transaction Amount ≤USD 140 | 0.05% |
| Per Transaction Amount >USD 140 | Subject to UPI Pricing Scheme for POS transaction | ||
| Other MCCs | |||
| Recurring | 0.1% | ||
| MO/TO | 0.1% | ||
Note:
1. POS Transactions include both contact and contactless transactions.
2.Regarding QRC-based Transactions, the concessionary pricing only applies to consumer card. Please refer to the appendix for daily-consumed MCCs list. [daily consumed MCC]