Payment by credit card appendix Канада
Payment by credit card
For any application to be submitted in Québec
If you wish to pay by credit card, enclose with your application the 2020-09 version of the Payment by credit card form (Dynamic PDF, 538 Kb). Only this version will be accepted as of April 1, 2020. After this date, any application sent using the previous version of the form (2020-08) will not be processed and will be automatically returned to you.
To learn more
Downloading, printing and saving forms
- To view or print PDF files, you must download the Adobe Reader program (version 6.0 or higher) available for free on the Adobe website.
- You can complete on line the forms marked «dynamic.» Print, sign and forward them by mail.
- It is possible to save the dynamic PDF form using Acrobat Reader (version 6.0 or higher) and a minimal version of Windows XP. To save, click on the «Save» button on the Acrobat Reader toolbar.
Chase Integrated Payments Powered by WePay (US, Canada and UK)
Chase Integrated Payments Powered by WePay provides a simple, user-friendly and secure way for individuals and businesses to accept payments online in the Ecwid store.
Before you begin setting up Chase Integrated Payments Powered by WePay in your Ecwid store, please make sure that:
- your country is set to the USA, Canada or the UK. You can select the country in the Ecwid Control Panel → Settings → General → Store profile.
- your currency is set to the US dollar, CA dollar or GB pound accordingly. You can choose your currency in the Ecwid Control Panel → Settings → General → Regional settings.
- you have added the real store name in your Ecwid Control Panel on Settings → General → Store profile. This information will show up on your customers’ credit card statements when they process a sale, so it’s important that this field has the real name of your store.
To enable this payment method in your Ecwid store follow these steps:
- You will get an activation link to your email address. Along with the activation link, you will get an email from Chase Integrated Payments Powered by WePay to confirm your account.
- The Confirm button in the email will direct to the Control Panel to complete the payment method settings.
- On the next settings screen, you will be prompted to verify your account information. Click Verify Now:
- Fill in your account details and click Submit.
- The next step is to connect your bank account. Click Link your Account:
- Enter your bank account details and click Submit.
That’s it. Chase Integrated Payments Powered by WePay payment option is set up in your store and will be available for your customers at checkout.
Fees to accept credit and debit card payments
The processing fees are taken from the full order transaction amount and depend on the Ecwid plan you are on.
For the US
|Ecwid Plan||Transaction Fee|
|Free||2.9% + $0.30 USD|
|Venture, Silver||2.85% + $0.30 USD|
|Business||2.8% + $0.30 USD|
|Unlimited||2.75% + $0.30 USD|
|Ecwid Plan||Transaction Fee|
|Free||2.9% + $0.30 USD|
|Venture, Silver||2.85% + $0.30 USD|
|Business||2.8% + $0.30 USD|
|Unlimited||2.75% + $0.30 USD|
For the UK
|Ecwid Plan||Transaction Fee|
|Free||2.4% + £0.20|
|Venture, Silver||2.3% + £0.20|
|Business||2.2% + £0.20|
|Unlimited||2.1% + £0.20|
The fees are automatically deducted from your order transaction amount. Unlike other ecommerce platforms, Ecwid does not charge any transaction fees in addition to payment gateway fees.
Finding information on transactions and transfers
From the Chase Integrated Payments Powered by WePay settings page in your Ecwid Control Panel you will be able to get to your gateway’s dashboard page where you can view your profile and manage transactions. Please, click on your email address and then – on the Manage profile button:
Generating sales (withdrawal) reports
You can download the report for each withdrawal in your Chase Integrated Payments Powered by WePay merchant center:
- Login to your account with Chase Integrated Payments Powered by WePay.
- Click on the link View all below your balance.
- This will open a list of all withdrawals that were sent.
- Click Download to get the withdrawal report that you want to reconcile.
Testing if everything is properly set up
To make sure Chase Integrated Payments Powered by WePay is set up and you are ready to accept payments online, you can place a test order in your store as a customer. Create a test product with a price of $1, go to your storefront and buy this product as if you were a customer. Use Chase Integrated Payments Powered by WePay to pay for the product. Enter your credit card number and place the order.
Once the order is successfully placed you will be able to cancel and refund it right in your Ecwid Control panel.
You can issue a full or partial refund for an order right from your Ecwid Control Panel.
How to issue a full refund
- Go to your Ecwid Control Panel → My Sales → Orders and open the details of the order that you want to refund.
- Click on the RefundOrder button:
- Select Full refund in the popup.
- Provide the refund reason and click on the Refund button.
- You’ll see the confirmation popup:
That’s it. Your customer will receive the refund in 2-5 days.
Once the refund is issued you will get an email notification from Chase Integrated Payments Powered by WePay. The order in your store will be automatically marked as Refunded and the customer will get notified via email about the order status change.
How to issue a partial refund
- Go to your Ecw >
Select Partial Refund in the popup, enter the refund amount and prov >
- Click on the Refund button. You’ll see the confirmation popup:
As you issue a partial refund, the order automatically gets the Partially Refunded status. Both, you and your customer, receive confirmation emails on the order status change. The refund will reach the customer in 2-5 days.
The available funds will be automatically withdrawn to your bank account, provided that you have connected and verified your bank account with Chase Integrated Payments Powered by WePay.
The withdrawal process will start on the next business day after Chase Integrated Payments Powered by WePay have verified your account information, if your withdrawal frequency is set to daily.
Your withdrawal frequency can be changed to weekly or monthly, in which case the process will start on the upcoming Monday or the 1st day of the month (if it is a business day).
When will I get the money to my bank account?
The date of your next withdrawal is shown at the top of your dashboard in your merchant center.
Once a withdrawal is initiated, it usually takes 2-5 business days for the funds to be debited in your bank account.
The actual timing depends heavily on when your bank posts the funds, as the money has been withdrawn from your account with Chase Integrated Payments Powered by WePay. The majority of banks will make your funds available on the same day that they receive the transfer. On occasion, banks may additionally take 2-3 business days to do so.
In some situations when the first transaction is made, Chase Integrated Payments Powered by WePay may review your account to make sure that everything is safe, secure and legitimate in the payment process. These measures can take up to 2 business days, which can delay the first «transaction to deposit» time. However, subsequent transactions should be processed much more quickly as you build more transaction history.
Why was my withdrawal cancelled or charged back?
If you’ve received an email or notification that a withdrawal was cancelled or a chargeback was created, there can be a couple of reasons for that:
- The username on your Chase Integrated Payments Powered by WePay account does not match the legal name listed on the bank account you have entered.
- The bank account and/or routing number(s) entered does not match what the bank has on file (sometimes from a typo when entered).
If the bank account had incorrect information, it may have been deleted and the funds would have been returned to your account with Chase Integrated Payments Powered by WePay. To be sure that Chase Integrated Payments Powered by WePay are able to send the funds back out to you, please be sure to enter your updated bank information as soon as possible.
Check here for information on how to avoid chargebacks: How to avoid chargebacks
Updating personal information
If you need to edit your email address, password, contact information, configure notifications, change credit card numbers or bank account information:
- Go to Chase Integrated Payments Powered by WePay merchant center
- Log in to your account.
- Click on your name in the blue bar at top of the screen.
- Click My Settings.
Here you can update your personal information.
Recovering password for your Profile with Chase Integrated Payments Powered by WePay
If you have lost your password for your profile with Chase Integrated Payments Powered by WePay or want to reset it:
- Open the password recovery page.
- Type in email of your Chase Integrated Payments Powered by WePay profile.
- The system will send out the further instructions to your inbox.
Required regulatory disclosure of fees in Canada
One of the key purposes of the Code of Conduct for the Credit and Debit card industry in Canada is ensuring that merchants are fully aware of the costs associated with accepting credit and debit card payments, thereby allowing merchants to reasonably forecast their monthly costs related to accepting such payments. Below are the fee disclosure for Canadian merchants on each Ecwid plan.
The Secret Behind Your Credit Card’s Minimum Payment
If you currently use a credit card, you know it’s mandatory to pay a certain amount every month. This amount is called the minimum payment, which represents the least amount of money your creditors will accept for the balance you have that month. This amount varies depending on your credit card provider and can be presented as either a fixed amount or a percentage of the balance. However, just because there is a minimum payment, it doesn’t mean you should only pay that amount.
Is cancelling a credit card bad for your credit score? Find out here .
Why Does My Credit Card Have a Minimum Payment?
Banks create a minimum payment requirement for credit card holders for a number of reasons. Firstly, it demonstrates that the lenders are responsible and reliable people who will make timely payments. Secondly, it shows that they have the means and are capable of paying off the loan. Lastly, creditors want you to pay this minimum amount in order to extend the length of the loan and make more money. The smaller the monthly payments, the longer it will take you to get out of debt. By lengthening the time it takes to pay back the loan, banks can earn more in interest. Unless your credit card charges you 0%, your interest charges will significantly increase the balance your carry over time. Therefore, you should pay as much as you possibly can, if not the full amount, every month.
Credit Card Interest Rates
An interest rate is a quantity, expressed either as a percentage or fixed amount, which is charged by a lender to a creditor for borrowing money. When taking out a line of credit at the bank, most credit cards come with an interest rate charge, payable every month. If you pay the least amount every month, the outstanding balance will be pushed to the future months. During these months, you accumulate and pay interest on the full amount you borrowed. Considering you use your credit card regularly and your balance keeps growing, so will the interest charges. This is a vicious cycle that just gets you deeper and deeper into debt. In order to avoid this, pay off as much of the balance as you could each month so only a small amount, or even better no amount, gets carried over to the next month and you get charged interest on it.
This is the interest paid based on the principal amount of the loan, plus the accumulated interest from the past periods. Every time your outstanding balance for the month gets pushed to the next month, you paid interest on the full amount. The more it gets pushed, the more you pay. That’s why it’s good to pay as much as you can right away. Compound interest can be thought of as interest on interest, where you’re paying for interest on the original amount plus interest that you owe each month.
Essentially, you’re being charged double the interest because of the length of time it takes you to pay. This will make the overall amount owed rise to a much higher amount than it should be.
How to Responsibly use a Credit Card
It is important to remember that having a credit card doesn’t mean you have money. Having a credit card actually, means you owe money.
In order to use your credit card responsibly, follow these suggestions.
- Pay the full amount of your outstanding balance
- Pay your credit card bills on time
- Work on building and increasing your credit
- Don’t make impulsive purchase decisions
- Don’t use your credit card like a debit card
- Don’t let your friends use your credit card
- Don’t exceed your budget
- Track your spending/cash flow on a weekly basis
- Before you press accept, ask yourself do you need it or do you want it? If the answer is, want, don’t purchase it.
How Does a Credit Card Affect Your Credit Score?
Your credit score is a number representing your credit worth and ability to pay back a loan. This score fluctuates depending on certain purchasing behaviors and actions. Failure to pay your credit card bill on time or with the minimum amount will result in a decrease in your credit score. However, by paying on time and in full (or the minimum amount), your credit score will increase proving you’re responsible and worthy of a line of credit. It gives you the opportunity to work on improving your credit history and increasing your eligibility. Thus, it’s clear that having a credit card can be good or bad for your credit score, it just depends on how you use it.
Check out this infographic for more information on what affects your credit score.
Minimum Payments and How They Create a Cycle of Debt
What causes the debt?
Debt is caused by numerous factors and behaviours, but we mainly focus on the combination of overspending and high-interest rate charges. If you constantly delay payments to the future and create a buildup of interest charges while your expenses remain the same or increase, you will find yourself in debt. When minimum payments are made and a large portion of the money is being pushed to the following months, you have to pay interest on the full amount you borrowed every month. Remember, you have to pay extra to borrow money from the bank. If you weren’t able to pay your full bill last month, what makes this month any different? If you can’t afford to pay the entire balance and only pay the minimum amount, it will increase to the point will you’ll never be able to pay it back. At the end of the day, people are in credit card debt because they’re spending more than they can afford.
What Effect Does Credit Card Debt Have On Your Financial Life?
Being in credit card debt puts your financial life in jeopardy, as you owe money to the bank that you don’t have. This is stressful and can take a huge toll on your life, as it impacts the way you live on a daily basis. Not only do you currently owe money, but you’re also spending money every day, increasing this amount every day. You have to make a serious change in your financial life and cut your expenses. You simply can’t afford to buy what you used to. Additionally, when you’re in debt, all your discretionary income will be going towards interest, so you can’t even enjoy what your money is actually able to buy. You have to give up personal spending money to pay for interest. Keep in mind, having excessive amounts of debt also lowers your credit score, thus losing your creditworthiness and taking away your ability to borrow money. Now, interest rates will be higher than usual. Lastly, being in credit card debt means putting a hold on your social life as well. While you should be in intense saving mode, you can’t financially afford to go out drinking, shopping, or eating in restaurants.
How To Get Out Of Credit Card Debt
- Consolidate all your debts into one single loan at a lower interest rate
- Stop using your credit card
- Cut your expenses
- Make arrangements to pay a certain amount every month and stick to it
- Follow a budget
- Ensure you’re not late or miss any payments and pay the amounts in full
- Consider getting a second job
How To Prevent Yourself From Creating Credit Card Debt Again
To prevent yourself from getting back into credit card debt, you must be extremely strict and disciplined with yourself. Knowing you have an easy time slipping back into debt, you should be cautious with every purchase you make. Always ask yourself, do you need the item or do you want it. Cutting your expenses is important, but you must also remember to be smart with your credit card payments. Don’t fall behind on payments and don’t pay the minimum amount. Try to get a low-interest credit card if yours is currently excessive and follow a budget. Be frugal, be smart, and even be cheap.
Click here to learn how to consolidate your credit card debt.
Credit Card Definitions
Monthly balance: Your credit card monthly balance is the amount you owe at the end of the month. This includes how much money you put on your credit card bill (current outstanding balance plus any interest charges from previous months).
Minimum payment: This is the minimum amount you must pay your creditors every month, which is derived from a percentage of the outstanding amount. Paying only the minimum can greatly increase the time it takes to pay off your credit cards.
APR Interest Rate: This is the annual interest rate that banks and creditors use to charge people for borrowing money. This rate is applied yearly and is expressed as a percentage of the cost of the funds.
Balance Transfer: A Credit card balance transfer includes moving the outstanding balance of the debt from one card to a new credit card. This is usually done when customers want to move their current debt to another credit card with a lower interest rate and better benefits.
Cash Advance: This is a common term for saying a short-term loan from a bank or other lenders. This service allows credit card holders to withdraw a predetermined amount of cash, at a higher interest rate.
Billing Cycle: This is the timeframe between billings each month, as in when you receive your credit card bill.
Secured Credit Card: This is a type of credit card that’s secured by a sum of money which would be used as collateral in case you were unable to continue making payments.
Ways to accept payments in Canada
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Available payment providers
Shopify Payments is available in Canada
Save on transaction fees and track your money in real-time with Shopify Payments.
- Clear and simple pricing
- Easy order management
- Fast and predictable payouts
- Increased conversions through accelerated checkouts
- Streamlined chargeback management
- Alipay Global
- Bancontact (Mollie)
- Buy now, pay later with Klarna
- Cartão de Crédito e Boleto via EBANX
- Cartão de Crédito em até 12x via EBANX
- Chase Paymentech (Orbital)
- Coinbase Commerce
- EBANX Payments in Latin America
- eMerchantBroker (EMB)
- First Data Payeezy
- G2A Pay
- IATS Payments
- iDEAL (Mollie)
- Ignite Payments
- Kash Direct Debit
- Pay over time with Klarna
- Payment Express PxPay
- PayPal Express Checkout
- PayPal Payflow Pro
- PUT IT ON LAY-BUY
- Sage Payment Solutions
- Shopify Payments
- Splitit Monthly Payments
- Vantiv Integrated Payments
Payment information by country or region
Learn more about payment providers in your country or region
An In-Depth Look at Prepaid Cards in Canada
This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services.
Like traditional debit and credit cards, prepaid cards can be used to order products from the internet, book airfare and hotel accommodations, and withdraw cash from an ATM. They offer a similar level of flexibility as traditional cards, but without the strings attached: unlike their plastic counterparts, many prepaid cards are not connected to financial institutions. Neither a bank account nor a credit score is required to get a prepaid card, making it one of the most accessible payment methods around.
Prepaid cardholders can only spend as much money as they’ve already deposited. If a cardholder adds $500 to a prepaid card and spends $200 on a hotel reservation or night out, then they can spend a maximum of $300 more before the card becomes unusable. All of these factors make prepaid cards ideal for those who can’t get approved for traditional credit or debit cards, or for those who simply want to use them as a budgeting tool.
Best Prepa >
Apply for Card
Scotiabank Prepaid Reloadable Visa
$10 annual fee
Home Trust Secured Visa No Annual Fee
No credit check
CIBC Air Canada® AC Conversion™ Visa* Prepaid Card
Up to 10 different currencies (simultaneously)
Draw from same currency as pre-loaded on card
CIBC Smart Prepaid Visa
24/7 online access
Canada Post Prepaid Reloadable Visa
No bank account, no credit check needed
Draw from same currency as pre-loaded on card
No bank account, no credit check needed
The Benefits of Prepaid Cards
Studies indicate that 37% of Canadians surveyed expressed interest in prepaid credit cards, while another recent study indicated a 17% spike in acquired prepaid cards from 2020 to 2020. What makes these prepaid credit cards such a handy financial asset? Here are just a few examples:
- Purchasing power for Canadians with credit concerns or ambition to build credit
- Lowered or eliminated overdraft fees and interest
- Secure & cost-effective online and in-store purchases
- Automated bill payments
From families, to individuals, to business owners and travellers, there are perks to enjoy with prepaid credit cards in Canada, but also fees and factors to consider.
Prepaid Cards Limitations
While accepted by millions of vendors, prepaid cards may also have strict credit limits, high transaction fees and other drawbacks. Bank-issued prepaid cards. vs non-financial institution prepaid credit cards can differ, along with funded prepaid debit cards vs. prepaid secured credit cards. How? The primary difference is that the use of a prepaid debit credit card does not affect your credit rating (for better or worse), while the use of a prepaid secured credit card does and offers an opportunity to build or rebuild credit.
Which is best for you? Discover the options.
Types of Prepa >
Image source: Shutterstock
Prepaid debit cards and secured credit cards differ substantially. A prepaid debit card is loaded with funds and can then be used by the cardholder to make purchases. The card may be intended for one-time use, might be anonymous for security reasons, and can’t always be used for online purchases.
Prepaid secured credit cards also require a security deposit. But unlike a debit card, if cardholders responsibly pay their credit card bill each month, or at least make the minimum payment required, their credit score gradually increases. If they don’t make their required payments, their credit score decreases and the credit card issuer can tap into the security deposit in order to cover the charges.
Prepaid Debit Cards
Some noteworthy perks of prepaid debit cards include:
- Useable for cashless shopping
- Low annual fees
- Great for gifts
- Bypass banks or financial institutions
- Money management tool for indiv >CIBC Conversion Card
Prepaid Debit Cards for International Travel and Online Shopping
Prepaid cards are very convenient for their low barriers to entry and simple functionality, but they’re typically not recommended for use while travelling abroad. The CIBC Conversion card changes this notion, however, with its travel-friendly ability to hold multiple international currencies simultaneously. Up to 10 different currencies can be loaded to the card at locked-in exchange rates, and then spent while abroad.
This card feature extends into the online shopping realm as well. If you frequently purchase from US-based eCommerce companies, for example, then you might opt to load the card with USD whenever you see the most favorable exchange rate and then save those greenbacks for your next online shopping spree. Your currencies are manageable via an online platform provided by CIBC, and cardholders can load the equivalent of up to $20,000 to the card (spread across the different currencies).
CIBC’s AC Conversion card is aptly named, because whenever the cardholder makes a purchase in a foreign currency, the card automatically draws from that same currency—as long as it’s preloaded to the card. With one free international ATM transaction per month, no annual fees, and 24/7 support, it’s a great companion for travellers who might not have the credit required for ‘no foreign transaction fee’ credit cards.
Scotiabank Prepaid Reloadable Visa
Prepaid Debit Cards for Cashless Shopping & Low Fees
Prepaid cards allow in-store or online cashless purchases and payment processing, and typically come with very low annual fees. For example, with a minor $10 annual fee, and free reloads online or via mobile, the Scotiabank Prepaid Reloadable Visa is fit for a smart shopper. Get up to $2400 loaded on your card, and enjoy low purchase fees deducted on your first value load for only $10. Also, leverage your payment security with zero liability guaranteed, and secure reloads that appear on your card within 48 hours to 4 business days max.
CIBC Smart™ Prepaid Visa* Card
A Rechargeable Present
We’ve all heaved sighs of disappointment after receiving gift cards to stores we never shop in. So when special occasions come around, there’s no better or more flexibile gift to give than pure cash – on a prepaid debit Visa card. The CIBC Smart™ Prepaid Visa* Card, offers cardholders 24/7 online access to account details and easy online reloads (if you want to make it a gift that keeps on giving).
Canada Post Prepaid Reloadable Visa ® card
Forget Credit Checks or Bank Accounts
Not all Canadians have bank accounts, or a high enough credit score to be approved for a credit card. But most of us have a mobile phone now, and cards like the Canada Post Prepaid Reloadable Visa ® card allow us to seamlessly manage our money in an e-wallet app. Canada Post and other non-financial institutions offer these prepaid debit cards (both prepaid Visa & Mastercard are available) without a bank account or credit check. Just bring your valid government-issued photo ID to a Canada Post branch and buy the card for $15. Reloads are only $3.
Budget Properly and Manage Your Expenses
A prepaid card can be a very effective budgeting tool for both individuals and businesses, as it allows them to set monthly budgets/spending limits and ensure they’re not exceeded. You or your employees can easily overspend with a credit card, but a prepaid card keeps a ceiling on spending and you/your business in the black.
Prepaid Credit Cards
Secured credit cards can be an ideal solution for individuals looking to improve their credit score. Qualification requirements are usually minimal, and the card issuer regularly reports a cardholder’s responsibility to credit bureaus. Additional secured card benefits might include:
- Low annual fees
- Free financial education resources
- More security perks and protections than prepaid debit cards
- Some cards offer eligibility for age 16+
- Discounts on vehicle and travel insurance
Home Trust Secured Visa No Annual Fee
Low Barriers for Approval
Unlike unsecured credit cards, secured credit cards usually have very low credit score requirements for applicants, and sometimes won’t run a credit check at all. The Home Trust Secured Visa No Annual Fee requires no credit rating minimum (most applicants are accepted), gives two different options for annual fees pending interest rates ($59 annual fee and 14.90% interest or no annual fee and 19.99% interest), international cash withdrawals at over 1 million ATMS worldwide, and a very wide security deposit from $500-$10,000.
Which Type of Prepa >
Image source: Shutterstock
There are a range of benefits and drawbacks of using prepaid cards in Canada, be they debit or secured credit cards. With prepaid debit cards you can make cashless payments with ease, simplify the management of your personal or business expenses, bypass credit checks, and keep your credit score unaffected. With secured credit cards, you can receive a range of benefits that many standard credit cards offer, and with responsible use your card is a tool for improving your credit score.
So which card’s for you?
Great information, thank you! I’m wondering if there is an option for a pre-paid card or a visa/MasterCard gift card from a gas station or grocery store, which allows you to pay for other credit card bills or other bills in general? Example: Can I use a $100 VISA gift card to apply to my existing VISA or MasterCard credit card balance? Or my Line of Credit?
Thanks for your comment. If you have cash to pay for a gift card, then why not use it to simply reduce your balance? You can deposit it to a bank account and then pay your credit card bill with that account, or simply visit the bank which issued your card (it might be the same one) and present the teller with cash. Otherwise, there’s nothing keeping you from doing it this way if that’s what you prefer.
Canada Post has a prepaid card that you can pick up at locations across Canada, called the Canada Post Prepaid Reloadable Visa. It’s a Visa, so you’ll be able to pay bills and do other things with it, as you would any other debit or credit card. We imagine the same thing applies to payment on a line of credit balance, but we suggest simply checking with an agent or representative. Best of luck!
Hi, the link to the CIBC Air Canada Conversion card doesn’t seem to work? It just takes me to the personal banking page of the CIBC website. So there’s not detailed info even visible on this option. Where can I find out more on that card? Snazz.
Appreciate the comment. We’re reviewing the card again and will reinstate the link once it’s been appraised versus the other cards that have now entered the market in the same tier. In the meantime the CIBC AC Conversion card still has an active web page, so we assume that it’s still available and encourage you to send in an application—through us or otherwise!
I had a Scotiabank Prepaid Reloadable Visa and loved it. I was very upset when they discontinued it. I’m now looking for an alternative. Any suggestions. Please do not say Canada Post – they charge an arm and a leg. KOHO seems to be a mobile app only. I need something that uses the computer not the mobile app and is reloadable from my Scotiabank account. I would prefer a Visa since I have a Mastercard credit card. Thanks for any help or suggestions.
Thanks for the comment. We’re also bummed about the discontinuation of Scotia’s Prepaid Reloadable card, and will offer some suggestions of what to replace it with. Be forwarned that if you want to reload the card from your Scotiabank account, then few cards we know of will make it as easy as it used to be with your Scotia card. Home Trust has a Secured Visa that lets you easily adjust your security deposit and get a matching limit—this could work. Another suggestion is the CIBC Smart Prepaid Visa, which can be obtained at any mobile banking center, or online or via their mobile app. It can be reloaded at CIBC mobile centers, which are relatively common, or online if you’ve set up a CIBC account. You might consider just getting a CIBC account just for this card if you use it often anyway. Good luck!
We will be travelling overseas this winter, what would be the best prepaid card to take with us. Most countries accept USD so we want it to be in US funds, but we live in Canada.
We’ve got just the card for you. One of the prepaid cards that readers love is the CIBC AC Conversion card, which is a card used to both purchase other currencies in CAD at live rates (at which point you’ve preloaded money in that currency) and to spend that currency with. You can load up to 10 different currencies onto the card at once, in a sum of up to $20,000, so it’s one of the best way to carry around money when abroad as its compact, safe, and super flexible. Use it in London, in France, in the USA, wherever, and you’ll avoid foreign transaction fees because it automatically uses the correct currency (as long as it’s preloaded). The best part is that you can choose to load currency onto it when rates are favorable in anticipation of a trip you know is coming, locking it in at the most opportune time.
The Scotiabank Prepaid Reloadable Visa has been discontinued as of May 2020. Check Scotiabank’s website.
Very true! We simply need cardholders who still carry the Scotiabank Prepaid Reloadable Visa to know that they’ve got time to withdraw their money before the September 30th cutoff. This time is valuable to use in preparation for the card’s discontinuation, for things like picking up a Canada Post Prepaid Reloadable Visa!
As far as I can tell, the info might be a bit dated. The Scotiabank Prepaid Reloadable Visa for instance is being phased out; existing cards will be deactivated on September 30, 2020. The last day to reload existing cards was June 10, 2020.
Thanks for pointing this out. As there is still over a month until existing cardholders are unable to use their remaining balances on the Scotiabank Prepaid Reloadable Visa, we’re keeping this article up as a warning. The last date to deposit was indeed June 10th, but Scotia members need to know when their card will truly be deactivated and what to do in the meantime: for instance, organize their recurring bills and transfer them over to a different card, and more. If this applies to you as well, take care of the necessary preparations and have an application for your new card at the ready, so that the September deactivation goes smoothly. Good luck.
The Scotiabank prepaid visa will be discontinued as of October , 01, 2020.
All cards will be deactivated and anual fees and any cash loaded on the will be returned to your daily account at Scotiabank if you have one, otherwise a check will be issued if the amount is over $25.00. If you don’t meet either, you will have to contact a branch to receive your refund.
This is no longer an option.
Thanks for the comment. You’re right that the card is going to be discontinued soon, and Scotia has closed applications. We’ve simply left the card up on our site to provide a warning and instructions to those who already have the card and who want to know the last date they can withdraw their funds (September 30th, 2020). Right now there’s no harm in leaving it as is, because applications are closed anyway, but thanks for looking out!
Just found out the hard way: the Canada Post Pre-Paid Visa card CANNOT be reloaded through Paypal, which is a pain.
You can add it to your Paypal account, and the option to reload it shows up, but it won’t finalize and says “denied” when you try to reload it. I just called and they confirmed on the phone that the only way to reload it is at the post office or through a bank. Would have considered something else if I’d known.
Also sites like this don’t specify which cards can and can’t be reloaded through Paypal, which would be nice to know.
Thanks for the comment, and we’re really sorry to hear you encountered these issues with the Canada Post Prepaid Visa! It’s annoying that PayPal could be connected to the card yet prevented from working—seems counterproductive to us. Regardless, if you’re so unhappy that you need to reload it at the post office or at a bank, then you can explore any of the other prepaid cards in Canada and make sure they’re compatible with PayPal before applying. This can be accomplished with a quick phone call to the bank.
In our experience, you’ll have better luck with cards issued by Canada’s bigger banks, or a similarly well-connected financial institution. Banks are better able to provide a network of complementary services for their products (things like PayPal), so we’d recommend looking at a card like the Scotiabank Prepaid Reloadable Visa. If they don’t allow direct transfers, then you can at least link your PayPal account to a bank account and then transfer from PayPal to the bank, and then reload your card using your bank balance. Call Scotia and let us know how the process goes. Good luck!
Scotiabank has cancelled their program, please update the article to reflect this
This is to notify you that the bill payment relationship between SCOTIA PREPAID and Scotiabank has been terminated. Consequently, you can no longer make payments to SCOTIA PREPAID through Scotiabank. SCOTIA PREPAID has been removed from your payee list and any future-dated or recurring payments to this payee will be rejected.
Please go to pending transactions to delete any payments you may have scheduled. If you have any questions please contact SCOTIA PREPAID directly.
Thanks for the heads up! Your last date to use the balance on your card is September 30th, 2020 so you’ll still have a few more months with your Scotiabank Prepaid Visa. Two weeks ago was the last day (June 10th) that you could’ve reloaded your card, so whatever is on it currently is all you’ll get. This means that you’ll need to do a thorough checkup of your finances to determine which bills are attached to your Prepaid card and switch them over to a new one.
We’re suggesting that cardholders who come to us with this news check out the similar, yet slightly different Canada Post Prepaid Reloadable Visa. Unfortunately, you won’t get to enjoy the free reloads (they’re $3 each), but we’re currently preparing a list of alternatives for when the Scotia card is actually discontinued later this year. Thanks again and good luck!
The Scotia prepaid visa if it has a balance at the end of Sept and it has not been used Scotia will be sending out a cheque to the card holder I just talked with them Yesterday
Thanks for the update. That’s good to hear and more logical than the sparse information we’ve been able to get ahold of so far, which indicated that customers would be risking their cash by not emptying their cards before September 30. In fact, not reimbursing customers by cheque would likely be illegal in Canada, so glad you came to comment and provide further guidance. With our earlier comment, we didn’t mean to insinuate that Scotia would be keeping the money depositing into their customers’ prepaid cards, but it is important to take care of the transfer before you lose access (you can never tell how easy the claim process will be).
With a recent press release published by Scotiabank we can see that it now says, “We will be
communicating with you about how you can claim any funds that remain on your card after deactivation.” That’s somewhat of a relief, so now the only thing you need to worry about is what prepaid card you’ll replace it with! Might we recommend the Canada Post Reloadable Visa? Check it out and let us know what you think.
Hi! I want to rebuild my credit via a secured credit card and would like a few different options so I could study the good and the bad of each card. Could you please help me. At the moment I use my debit MasterCard for online purchases and have also used vancity’s prepaid credit card which costs only two dollars and could be filled with up to four hundred bucks.
Great questions, we’ll certainly try to help. First, if you’re trying to rebuild your credit then you need to be using credit—not debit! While banks do pay attention to debit transactions, it doesn’t involve risk or borrowing, so the effect on your credit will be exponentially better even with a secured credit card. The Vancity card isn’t cutting it, unfortunately, because if it has a maximum credit limit of just $400, then you’re restricting yourself needlessly. What if you need to pay an online bill or make a purchase that’s more than $400? The card is out of the question.
In these cases, and also as general advice for those who want to raise their credit score, a secured credit card like the Home Trust Secured Visa is recommended. It comes from a reputable and well-known bank and offers a credit limit between $500 and $10,000 contingent on a security deposit. Grab one of these secured cards via an online application and then use it responsibly—don’t max the credit limit out immediately and take months to repay your deposit.
Let the bill for 30% of the limit come due and pay it off each month, as well as your other balances. Keep your other credit cards open to avoid getting hit with temporary credit score reductions and to keep your utilization ratio up as well. If you need any other assistance, our vlog on credit scores could be helpful, or otherwise email us at email@example.com and we’ll respond ASAP.
Hi there, thanks for the info. The Scotiabank Prepaid Reloadable Visa is being discontinued in September 2020, so you may want to update this article. I have one, and am currently looking for a replacement, which is what brought me here.
Appreciate the heads up for our other reader about the soon-to-be discontinued Scotiabank Prepaid Reloadable Visa. Scotia sent out a warning to cardholders that if their account wasn’t closed by September 30, 2020 that it would automatically close them without any remuneration for the funds you lost. This is super important for this reason, but notable that the September date is the last of four crucial dates regarding this card and also the Scotia SCENE Prepaid Reloadable Visa.
On June 10, 2020 this is the last day you can reload your card, and also the last day that bill payments from third-party financial institutions will be accepted. On July 1, 2020 Scotia will stop issuing replacement cards, and then finally on September 30, 2020 you’ll lose access to the card completely (and the funds along with it). Be sure to spend them before this date!
If you’re looking for an alternative card, then check out Canada Post’s Prepaid Reloadable Visa. It’s almost identical to the Scotia one, but instead of free reloads you’ll be charged $3 each time. You can control the relative cost of this fee by depositing more, less often, of course. Otherwise, it can also be used to transfer money to other people’s accounts for free, by using the handy online portal.
As owner of a small trucking company, I like to give my drivers a prepaid credit card to pay for hotels, meals and small repairs (like flat tires) and parts purchasing on the road. The idea is to have a track record of expenses for each unit ( receipts do get lost) and to save my drivers to call me every time for a small purchase since I’m also out working and not in cell range all the time. The thing I don’t understand is why it take so long to reload funds to the cards, when in this day and age, everything is instant. The other thing I learned, Scotia Bank will not issue cards to card holders with a PO Box address. Well, I live in rural BC, Canada, like thousands other Canadians. There is no door to door mail service out here. Any suggestions?
Great question, and thanks for providing context as well. If your drivers are on the road and you want a way to easily reload their prepaid cards, then you should check out the CIBC Smart Prepaid Visa. There’s no prepaid card as flexible as this one, which offers acceptance virtually everywhere and simple, free online reloads from one admin account. You’ll be able to easily get a visual on your employee expenses and then reload their cards individually from a remote location (like the trucking HQ or even your home).
Unfortunately, we’re unsure if CIBC has the same rule about P.O. boxes that Scotia does. This is probably something you should check with them over the phone before getting several copies for your employees, but it’ll take no time at all. Let us know how it goes and how your employees like the cards. We’re sure they will!
You might be able to setup a remote “mailbox” at a business that provides “street addresses”. I have done that for my business for 10 years. Should cost between $100-$250 per year.
I’ve been doing this for years, it’s great especially in the day and age of no privacy you can set up a google account, lets say under the name Joe Doe use a prepaid card to make purchases on google play (like a VPN) make eBay purchases under the same name (for things like prepaid sim cards) set it up cell plan etc. Online bus and train tickets etc you can then move around and communicate freely.
Interesting comment! Your perspective on prepaid cards is much appreciated, and yes, if you value anonymity yet still want the same financial flexibility afforded via regular credit cards, your strategy is sound. You can absolutely go into a store, pay for a prepaid card with cash, and then use it to purchase connected services like a cell phone and phone plan. Paying for goods is another matter entirely, because to have something shipped to you, you’ll still need to provide an address and other personal details. However, for buying a VPN service, things on eBay, or “goods” that exist only online like in-world videogame items, it’s a winning tactic.
You’ll also want to get non-reloadable cards only, as you likely know. For other readers worrying about the safety of their online communications and identity, it’s important to know that reloadable prepaid cards usually require more personal data to purchase. Non-reloadable cards usually only require a name and address, and as long as that’s the same info you give to the merchant when paying, it’s all above board. While we can’t expressly condone some of the other tricks to using prepaid cards, you can read more into it online from other sources. Good luck “Joe” – and stay safe!
Is there a 4 dollar one to buy? I have had royal account for over 20 years and the odd time I used to buy a royal bank prepaid visa for 3.99 from the royal bank but they got rid of that card! Too bad as it was helping my credit some! I don’t have credit cards for 15 yrs now but the odd time I see something I want to order online like now there are 2 items I need a prepaid visa or mastercard with a low fee rate to buy like 4 bucks with no fees. Do any exist now? I used to buy these cards at Shoppers and I know Money Mart also sells them too. There are thousands of people like me who don’t have credit cards but use these prepaid cards often they don’t want the high fees of credit cards and also no one can steal your cards. My boyfriend also does not have a credit card, he started a vending machine business and could really use one of these cards as at times the items he buys are on sale and he runs out of money a few times a month due to the high cost of living now in Ontario. He has 15 locations right now but all his money goes for his gas and if the machine breaksdown, and buying the stock to fill the machines so for example his whole monthly cheque is gone in 2 days! His family is rich but they only help so much you know millionaire family lol. What card would be good for him at times he buys new vending machines and travels to say Toronto with cash to buy it and I told him don’t do that, that is scary you could be robbed! So what would you suggest would be the best card for him in this case. Oh he deals with the Scotia Bank! Thanks! people don’t want cheques anymore either they take too long to cash out.
Thanks for the awesome comment. If you’re looking for a prepaid Visa or Mastercard that’s accessible just by picking it up and depositing, you should try the Canada Post card, which you can find in any Canada Post around the country. This prepaid card will do for online purchases and quick deposits both, as it comes with a companion application that’ll let you manage it on-the-go. Another option that will be more relevant to you and your boyfriend is secured credit cards, which are a more permanent solution that’ll let him make a larger deposit ($10,000 for example) and then use it on a card as a regular credit limit. He’ll be able to use a secured card like the Home Trust Secured to pay his vendors, fill up the truck and more without needing to suffer the potential denial that happens when applying for unsecured credit. Be careful to treat a secured credit card like any other card, however, including prompt payments on your balance because they affect your score too!
The AC conversion card listed here is another good option, as he’ll be able to deposit up to $20,000 on the card rather than the $10,000 limit imposed by Home Trust. This will also be a safer way to operate given the threat of theft, as using the card requires a PIN. He may also consider a basic Business Mastercard, once he’s ready for unsecured credit, as it’ll let him turn his everyday expenses into cash back or rewards. Best of luck in your fledgling business!
I have an Amex card upon which I will get a boatload of bonus points if I hit a spending threshold within 3 months. I don’t think I will make the threshold because Amex is not accepted in many places I shop. Is there any way to buy a prepaid Visa or MC using my Amex card, without incurring high fees?
Interesting comment! Unfortunately, most credit cards with bonuses that require you to meet spending milestones will only apply eligible spending to your total. We’re not sure which Amex card you hold, but regardless, we are sure that there’s a section in the fine print dedicated to what constitutes ‘eligible spending’. For all issuers, the “loophole” of buying prepaid cards or gift cards is closed in an airtight manner. It might feel clever to buy something with one card’s credit limit that essentially represents the same flexible purchasing power, but it won’t when you receive your statement and figure out that your plan was for naught. Good try though—and sorry to be the bearer of bad news. Just do you best to meet the spending requirements, and don’t force it if you can’t, because then you’ll burn up any benefits you would have gained from the bonus. Good luck!
Looks like this can only be used where VISA is accepted.
Credit Card Policy. Appendix 1
Lucinda Brown 4 years ago Views:
1 Credit Card Policy Appendix 1
2 Contents Introduction 2 1. Aim 3 2. Scope 3 3. Objectives 3 4. Policy Responsibility 3 5. Review 3 6. Credit Card Issue, Storage and Limits 3 7. Limitations of Use 4 8. Request for Purchase Procedure 4 9. Finance Department Responsibilities 4 Appendix 1 Credit Card Authorisation Form 5 1
3 Introduction Fermanagh and Omagh District Council will always encourage the purchase of goods and services and payment of suppliers in accordance with the Purchasing Policy, Purchasing Procedures and the Payment Policy of the Council. However, it is recognised that there are occasions when this will not be possible and it will be necessary to utilise alternative methods of purchase and payment. The Council holds corporate credit cards which are only to be used in very select instances by restricted and authorised personnel and their usage will be closely monitored to ensure no misuse. It is crucial that a clear and transparent trail of all transactions is maintained for the purpose of good governance and sound financial management. 2
4 1. Aim The purpose of this policy is to ensure good financial management and sound corporate governance is adhered to when using corporate credit cards. 2. Scope This policy will apply to employees involved in the procurement of goods and services and those involved in the administration of credit card purchases and payments. 3. Objectives The objectives of this policy are to: Outline the occasions where the use of a credit card is acceptable Describe the procedures to be followed in departments in relation to the purchase of goods/ services using a credit card Describe the responsibilities of the Finance department in relation to credit card administration 4. Policy Responsibility The Director of Corporate Services and Governance has overall responsibility for the implementation and monitoring of this Policy. The Head of Finance has responsibility for the day-to-day management and administration of the Policy. All relevant employees are expected to follow this policy and take the appropriate action to meet the aims and objectives. 5. Review This policy will be subject to scrutiny and, from time to time, updates and reissues will be circulated. It is anticipated that the first formal review will take place in April Credit Card Issue, Storage and Limits The Council holds 2 corporate credit cards. These are held in the name of the Director of Corporate Services & Governance and the Head of Finance. It is the responsibility of the officers holding the credit cards to ensure their safe storage. Each card will have a limit of 2,000. 3
5 7. Limitations of Use The credit cards are only to be used for legitimate business expenditure in connection with official Council business. Credit cards will not be used for cash withdrawals. Any PIN numbers supplied must be destroyed as soon as they are received. No personal expenditure is permitted on the corporate credit cards. The use of a corporate credit card for personal use is a disciplinary matter. The credit cards should only be used in the following instances: Booking flights or rail tickets Booking accommodation Note: Flights / rail tickets / accommodation can only be booked for Members or Council staff. Other exceptional circumstances:- o if payment for the purchase cannot be processed through the normal route of purchase ordering and invoice payment through the creditor function o items should only be purchased using this method if there is a considerable saving to be made (which must be demonstrated) by online purchase 8. Request for Purchase Procedure All requests for purchase and payment using the credit card must be made using the credit card authorisation form (Appendix 1). This form must be completed in advance of each purchase and it must be authorised by a relevant authorising officer in line with the purchasing limits of the Council s Procurement Procedures before forwarding to the Purchasing Officer. Purchases can only be made from websites which offer secure payment facilities. 9. Finance Department Responsibilities On receipt of the credit card authorisation form into the Finance department, the Director of Corporate Services/Head of Finance will approve the use of the credit card before the transaction takes place. The finance function will carry out thorough and appropriate checks and reconciliations in line with the Council s Credit Card Procedure. 4
6 Appendix 1 Credit Card Authorisation Form Request for Credit Card Purchase ITEM TO BE PURCHASED: (Please include any supplier product codes) *FOR FLIGHTS PLEASE QUOTE NAMES AS PER PHOTOGRAPHIC ID* SUPPLIER: QUANTITY REQUIRED: PRICE: COST CODE: DATE REQUESTED: DATE REQUIRED: CONTACT DETAILS: If purchase to be made by telephone, please advise telephone number and contact name if you have already been in contact with the supplier. If purchase is to be made on the internet, please advise the website address. JUSTIFICATION FOR USING CREDIT CARD AS PURCHASE METHOD PURCHASE ORDER REQUESTED BY: PURCHASE ORDER AUTHORISED BY: Relevant Authorising Officer and Date Date Order Placed: Order Placed By: Authorised by Finance: Relevant Authorising Officer and Date 5
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Страница оплаты за услуги
Внимание . Данная страница предназначена для оплаты за наши услуги кредитными картами Visa, Master Card и American Express.
После нажатия на кнопку «Pay Now» внизу страницы Вы будете перемещены в систему PayPal для проведения оплаты. Эта система является наиболее распространенной для проведения платежей через интернет. Система оплаты PayPal соответствует самым высоким стандартам конфиденциальности и защищена от несанкционированного доступа. Мы также не получаем доступ к Вашей личной и банковской информации. После проведения оплаты у Вас будет возможность записать код подтверждения и распечатать страничку подтверждающую выполненную транзакцию.
Инструкция для осуществления оплаты:
(откройте эту же страницу в новом окне, так как данная страница закроется после нажатия кнопки «Pay Now»)
1) Для оплаты услуги по рассмотрению иммиграционной анкеты введите Ваше имя и фамилию на английском языке и нажмите на кнопку «Pay Now».
2) На открывшейся странице нажмите Continue в следующем параграфе:
Don’t have a PayPal account?
Use your credit card or bank account (where available). Continue
3) На следующей странице выберите Вашу страну. Теперь Вы можете поменять язык страницы в правом верхнем углу.
4) Введите всю запрашиваемую информацию.
5) Нажмите «Посмотреть заказ и продолжить» внизу страницы. («Review order and continue» если Вы используете английский язык).
6) В случае появления надписи:
«Информация неполна или неверна. Внесите исправления в указанные ниже поля и повторите попытку»
(«Your information is incomplete or incorrect. Please correct the fields below and try again»).
введите недостающую информацию.
7) На следующей странице Вы сможете подтвердить Вашу оплату. Если Ваша кредитка открыта не в долларах США, а в другой валюте, то у Вас также появится сумма оплаты в валюте Вашей карточки. Внизу страницы будет указан Ваш электронный адрес, на который будет отправлено подтверждение об оплате. Нажмите на кнопку «Оплатить» (Pay Now) внизу страницы.
8) Запишите код подтверждения оплаты или распечатайте открывшуюся страницу. На этой же странице Вам предложат открыть счет в системе PayPal. Вы не обязаны это делать. Можете просто закрыть страницу. На Ваш электронный адрес придет подтверждение оплаты на имя компании SOMIRA Canada Group.
Введите Ваше имя и фамилию на английском языке и нажмите «Pay Now»
Payments (Credit Cards)
One of the most popular features in your Wave account is the ability to accept credit card payments on the invoices you send. What makes it so awesome?
- Invoices get paid in 2 days or less, on average, when the customer has the option of paying by credit card.
- When invoices are paid using the Payments by Wave credit card processing feature, all of your accounting and invoicing records get updated automatically. You just sit back and watch the magic happen.
Getting set up happens in two stages. Briefly:
- Turn on Payments. That takes only a few seconds, and you can immediately start accepting invoices.
- Set up the rest of the Payments account so that Wave can transfer money to your bank account. You can do this right after turning Payments on, or you can wait until you receive your first payment.
Here are the details:
How to turn on Payments
There are a couple of ways you can turn on Payments.
- When creating an invoice, click the Turn on Payments button at the top of the invoice page.
- Look for a Payments or Accept Credit Cards message inside Wave, or click Settings and select Payments.
In either case, once you agree to the terms and click the Turn on credit card payments button, you’ll instantly be able to send invoices that get paid by credit card.
It really is that simple!
How to set up your Payments account
After your first customer pays by credit card, you’ll get an email telling you that you can now accept payments. Click the link in the email to get started.
- Go to the Payments page in Wave.
- Click the Complete your payments setup button.
- Wave will prompt you for information about your business, including your legal name, business type, Employer >Why do we ask for these details? When we move money for our customers, Wave is legally obligated to collect certain information about the businesses using our services, in order to keep our services and our partners secure, and to combat fraud and money laundering. Information we collect includes details about your business (like the legal name of the business entity) and information about you personally (like Social Security number). This is industry-standard: All payment processors will require you to submit the same information.
Payment & Pricing
Read about the variety of payment options you can choose from when you purchase from apple.com, and learn how the tax on your order is calculated. Also, get more information about special pricing, offers, promotions, and other great deals with limited time availability.
The Apple Online Store accepts a variety of payment methods. Click on a payment method below to find out more.
Some customers may qualify for other forms of payment. Please call 1-800-MY-APPLE and speak to an Apple Specialist for more information.
Note: Some payment types are ineligible for orders that ship to multiple addresses. If you are using an ineligible payment type for an order shipping to multiple addresses, you will either need to change the payment method, or ship your order to a single address.
Using more than one payment method
You can also combine payment methods to pay for your purchase. Choose from the following combinations of credit cards and Apple Store Gift Cards:
- Credit card — one only
- Apple Store Gift Card(s) — up to eight
- Apple Store Gift Card(s) + one credit card
Troubleshooting credit card payment errors
- If your card is new or recently reissued, make sure it has been activated.
- Remove dashes or spaces from the account number.
- If everything seems to be correct, call the card issuer’s customer service telephone number on the back of your card. Your credit card company may need to speak with you before they authorize your purchase.
To prevent any unnecessary delays processing your order, please ensure that the billing address on your order matches the information on your credit card account. If you have recently moved or are unsure whether you receive your credit card statement at your work or home address, please contact your card-issuing bank using the telephone number on the back of your credit card to confirm.
The card security code is a unique three or four digit number printed on the front (American Express) or back (MasterCard/Visa) of your card, in addition to the account number.
MasterCard and Visa:
When Apple charges your account
Apple receives authorization to charge your account prior to shipping your item(s). However, your card will only be charged after your order has shipped. If your order contains multiple items and they ship at different times, you may see multiple charges on your credit card statement.
If your order was not authorized online, please confirm you have correctly entered your credit card details and place your order again. If you still have difficulties please contact your credit card company to make them aware of your order.
If you have already received an order number but were informed by Apple that your card was declined, to prevent further delay of your order, please:
1. Contact your card provider to advise them that you have placed an order with Apple so that the payment can be processed.
2. Visit Order Status to verify your payment or to make changes to your payment information. Please note that it may take up to 24 hours for the status to update. If you placed your order without an Apple ID and wish to make changes to your payment information, please contact the Apple Store Customer Service team for assistance.
Credit cards accepted
In Canada, we accept:
If you are paying for your order with an international Visa, MasterCard, or American Express credit card, please note that the purchase price may fluctuate with exchange rates. In addition, your bank or credit card issuer may also charge you foreign conversion charges and fees, which may also increase the overall cost of your purchase. Please contact your bank or credit card issuer regarding these fees.
Debit Cards accepted
In Canada, we accept:
- Visa Debit Card
- MasterCard Debit Card
Apple Store Gift Card
You can redeem an Apple Store Gift Card at the online Apple Store, by calling 1-800-MY-APPLE, or at any Apple Store. Apple Store Gift Cards can be used only in Canada. With the exception of gift cards, certificates, and iTunes downloads and/or subscriptions, you can purchase just about anything sold by Apple, including products from both Apple and third-party makers.
You can use up to eight Apple Store Gift Cards at the Apple Online Store or if placing an order over the phone at 1-800-MY-APPLE. You can combine your Apple Store Gift Card(s) with one credit card to pay for your purchase. Simply enter or provide the PIN. On the plastic gift cards, the PIN you need to use can be found on the back under the scratch off area. On the electronic Apple Store Gift Cards, the PIN can be found on the email below the image of the card. Please keep the card in your possession until the order has been processed and delivered.
The Apple Store Gift Card is subject to applicable terms and conditions. For more information about how to redeem your Apple Store Gift Cards, visit How to Redeem Apple Store Gift Cards. To purchase an Apple Store Gift Card, click here.
To pay for your purchase using a Wire Transfer:
- Place your order with an Apple Store Specialist by phone at 1-800-MY-APPLE .
- Obtain the final dollar total of your order including tax and any applicable shipping charges from the Apple Store Specialist.
- Have your bank electronically transfer the total dollar amount of your order using the routing information below.
- Reference your Web Order Number with your payment.
- Allow 1 business day for the processing of your wire transfer.
Routing information Canada
Apple Canada Inc.
c/o Bank of America N.A, Canada Branch
200 Front Street West, Ste. 2600
Toronto, Ontario, M5V 3L2
If you have any questions about your wire transfer, you can call 1-866-222-3456.
In accordance with local law, your Apple Online Store purchases will be taxed using the applicable tax rate(s) for your shipping address. If the tax rate changes before your purchase is shipped, the rate in effect at the time your order ships will apply.
Based on your shipping address, you may see a combination of these types of taxes on your order:
- PST/QST — Provincial Sales Tax and Quebec Sales Tax
- GST — Goods and Services Tax
- HST — Harmonized Sales Tax (GST + PST)
To place an order on behalf of a tax-exempt organization or individual, please call an Apple Store Specialist at 1-800-MY-APPLE . You will need to provide proof of tax-exempt status for the address where the product is being shipped. The organization or individual name on the order must exactly match the tax-exempt certificate.
Apple offers special pricing to students, teachers, administrators, and staff members. We also offer special pricing for home-schooling programs, pre-kindergarten, and purchases made on behalf of students.
If you live in Canada, visit the Canada Apple Store for Education to place your order for reduced prices on the full range of Mac computers, plus select third-party products. Please note that only orders placed on your country’s Apple Online Store for Education site are eligible for the special education pricing.
Promotions, Rebates, and Coupons
Visit the Product Promotions (Opens in a new window) homepage for a list of limited-time offers. You can also view the Product Promotions FAQ (Opens in a new window) to learn more about how to qualify for an Apple rebate, how to obtain a rebate check, where to mail required documents, and any Terms and Conditions for each promotion.
Promotional pricing is usually applied either at the time of your online purchase, or as a rebate after you receive your product. Rebates may also be available as a special offer from leading Macintosh software and accessory manufacturers, as well as from Apple directly.
To determine eligibility and how to qualify:
- Visit the Product Promotions (Opens in a new window) homepage.
- Click the «Learn More» button for the promotion that interests you.
- Click the «Terms and Conditions Apply» link.
Submit a rebate
- Visit Apple’s submission form homepage and click the «Learn More» button under the promotion you’re interested in. (Opens in a new window)
- Click the Mail-In Rebate link on the right s >Original UPC labels for all qualifying products
- All Shipment Notifications or Item Invoices from the eligible order — visit the Viewing & Changing Orders section of online Help to find out how to print an invoice of your order.
Check the status of a rebate
Once you have submitted the requested proof of purchase documents for your rebate, you can check your rebate status (Opens in a new window) online. You’ll need the following pieces of information, which must be entered exactly as it appears on your submission form:
- Offer Number
- Phone Number
- Postal Code
- Approximate date your submission was mailed
- Payment & Pricing
More ways to shop: Visit an Apple Store , call 1-800-MY-APPLE , or find a reseller .
Copyright © 2020 Apple Inc. All rights reserved.
SALES & REFUND TERMS AND CONDITIONS (“TERMS”)
Canada Sales and Refund Policy
Thanks for shopping at Apple. We appreciate the fact that you like to buy the cool stuff we build. We also want to make sure you have a rewarding experience while you’re exploring, evaluating, and purchasing our products, whether you’re at the Apple Online Store, in an Apple Retail Store, or on the phone with the Apple Contact Center. (To make it visually easier on both of us, we’ll refer to these entities as the “Apple Store” in this policy.)
Standard Return Policy
We fundamentally believe you will be thrilled with the products you purchase from the Apple Store. That’s because we go out of our way to ensure that they’re designed and built to be just what you need. We understand, however, that sometimes a product may not be what you expected it to be. In that unlikely event, we invite you to review the following terms related to returning a product.
For any undamaged product, simply return it with its included accessories and packaging along with the original receipt within 15 days of the date you receive the product, and we’ll exchange it or offer a refund based upon the original payment method. In addition, please note the following:
iPhone, iPad and Watch Returns — Wireless Service Cancellation
Wireless carriers have different service cancellation policies. Returning your iPhone, iPad or Watch may not automatically cancel or reset your wireless account; you are responsible for your wireless service agreement and for any applicable fees associated with your wireless account. Please contact your wireless service provider for more information.
Apple Watch Returns
Apple Watch from the Edition collection may only be returned or exchanged if it’s in its original, undamaged, and unmarked condition after passing inspection at Apple’s offsite facility. Depending on your original form of tender, a cheque, wire transfer, or refund to your debit/credit card will be issued within 10 business days provided the returned item is in its original condition.
Additional Apple Product Terms
The purchase and use of Apple products are subject to additional terms and conditions found at https://www.apple.com/legal/sla/ (Opens in a new window) and https://www.apple.com/legal/warranty/ (Opens in a new window) .
Making unauthorized modifications to the software on an iPhone violates the iPhone software license agreement. The common term for modifying an iPhone is jail-breaking, with a particular emphasis on the second part of that term. That’s why we strongly, almost emphatically, recommend that you do not do so. Really. Should you be unable to use your iPhone due to an unauthorized software modification, its repair will not be covered under the warranty.
Pricing and Price Reductions/Corrections
Apple reserves the right to change prices for products displayed at/on the Apple Store at any time, and to correct pricing errors that may inadvertently occur. Additional information about pricing and sales tax is available on the Payment & Pricing (Opens in a new window) page. In the event you have been charged more than the posted price for a product in an Apple Retail Store, please see a Manager for a refund of the overcharge.
Should Apple reduce its price on any Apple-branded product within 15 calendar days from the date you receive your product, feel free to visit an Apple Retail Store or contact the Apple Contact Center at 1-800-676-2775 to request a refund or credit of the difference between the price you were charged and the current selling price. To receive the refund or credit you must contact Apple within 15 calendar days of the price change. Please note that this excludes limited-time price reductions, such as those that occur during special sales events, such as Black Friday or Cyber Monday.
Price protection is only available for up to 10 units of a particular product. Additionally, we may require that you have the product with you or otherwise have proof of possession when requesting price protection.
Prices shown are in Canadian dollars. If you are paying for your order with an international Visa, MasterCard, or American Express credit card, please note that the purchase price may fluctuate with exchange rates. In addition, your bank or credit card issuer may also charge you foreign conversion charges and fees, which may also increase the overall cost of your purchase. Please contact your bank or credit card issuer regarding these fees.
Apple may, in its sole discretion, refuse or cancel any order and limit order quantity. Apple may also require additional qualifying information prior to accepting or processing any order. Once we receive your Online or Call Center order, we’ll provide you with an email order confirmation. Your receipt of an order confirmation, however, does not signify Apple’s acceptance of your order, nor does it constitute confirmation of our offer to sell; we are simply confirming that we received your order. The Apple Store reserves the right at any time after receiving your order to accept or decline your order for any reason. If Apple cancels an order after you have already been billed, Apple will refund the billed amount.
Shipping & Delivery
Please review the Shipping & Pickup (Opens in a new window) page to learn about how and when you will receive the products you purchased from the Apple Store. Since the actual delivery of your order can be impacted by many events beyond Apple’s control once it leaves our facilities, Apple cannot be held liable for late deliveries. We will, however, work with you to ensure a smooth delivery.
As Apple takes care of the dispatch of the products you purchase on the Apple Store, the risk of loss of, or damage to, product(s) shall pass to you when you, or a person designated by you, acquires physical possession of the product(s). Title in the product(s) shall pass to you when the product(s) is picked up by the carrier from our warehouse. At this point, you will receive the Shipment Notification Email. If there are any issues with delivery, please contact Apple to resolve.
In-Store Pickup and Return
If you select in-store pickup, you may designate a third party to pick up your order. You must provide the name and email address of the third party. Please note that certain products and payment methods are not eligible for in-store pickup by a third party. The third party will need to bring a government-issued photo ID and order number for pickup. Apple is not responsible for actions taken by the third party once your item(s) have been picked up.
The Apple Store sells and ships products to end-user customers only, and we reserve the right to refuse or cancel your order if we suspect you are purchasing products for resale.
Canada Shipping Only
Products purchased online from Apple will only be shipped to addresses within Canada and are subject to Canadian, U.S. and foreign export control laws and regulations. Products must be purchased, sold, exported, re-exported, transferred, and used in compliance with these export laws and regulations. To purchase Apple products online from outside of Canada, please click here for international store information.
Product Availability and Limitations
Given the popularity and/or supply constraints of some of our products, Apple may have to limit the number of products available for purchase. Trust us, we’re building them as fast as we can. Apple reserves the right to change quantities available for purchase at any time, even after you place an order. Furthermore, there may be occasions when Apple confirms your order but subsequently learns that it cannot supply the ordered product. In the event we cannot supply a product you ordered, Apple will cancel the order and refund your purchase price in full.
For Apple Store Gift Card Terms and Conditions, please visit click here (Opens in a new window) .
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