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As a registered Payment Facilitator in Canada, Payrix must comply with the requirements of the Code of Conduct for the Credit and Debit Card Industry in Canada (referred to as the “Code”). As a Partner to Payrix you will be required to help us comply with some of the Code requirements as you are the merchant facing entity that directly communicates with the merchant.

...

As a part of Partners serving Canadian Merchants, it is also your responsibility to provide each merchant with a monthly statement showing the following information:

  • Card Type* - MasterCard Credit, Visa Credit, MasterCard Debit, Visa Debit, American Express, or Discover

  • Number of Sales*

  • Gross Sales ($)*

  • Service Rate (%)* - Either a flat rate charged or applicable interchange rates for each card type.

  • Rate Fee (Rate * Gross Sale ($))*

  • Per Transaction Fee ($X.XX * Number of Sales ($))*

  • Total Fees (Rate Fee + Transaction Fee ($))

  • Effective Merchant Discount Rate (Total Fees/Gross Sales (%))*

    Required = *

It is recommended that you provide this information in a .CSV format so that your Merchants can easily view the information in Excel.

...

Tip

Hello,

We are reaching out to notify you that we will be increasing the following fees related to your billing integration service effective (insert date – MUST be at least 90 days out from notification).

(INSERT FEE TABLE THAT SHOWS CURRENT FEE RATE vs. NEW FEE RATE and NATURE OF THE FEE INCREASE)

No action is required on your end if you accept these fee increases, and the changes will be reflected on your (insert billing statement that will reflect the change).

Should you choose not to accept these fee increases, you have the right to opt-out of your agreement with Payrix, our integrated billing partner, by calling Payrix at 855-672-9749, or by visiting Payrix support. (platform name), by calling (platform name) at (insert platform phone number), via email at (insert platform email) or by visiting (insert platform website).  

If you have any questions regarding this notification, feel free to contact us at (SaaS Partner Contact Info).

...

Tip

Hello,

We are reaching out to notify you that we will be introducing the following fees related to your billing integration service effective (insert date – MUST be at least 90 days out from notification).

(INSERT FEE TABLE THAT SHOWS CURRENT FEE RATE vs. NEW FEE RATE and NATURE OF THE FEE INCREASE)

No action is required on your end if you accept the introduction of new fees, and the changes will be reflected on your (insert billing statement that will reflect the change).

Should you choose not to accept the new these fee increases, you have the right to opt-out of your agreement with Payrix, our integrated billing partner, by calling Payrix at 855-672-9749, or by visiting Payrix support. (platform name), by calling (platform name) at (insert platform phone number), via email at (insert platform email) or by visiting (insert platform website).

If you have any questions regarding this notification, feel free to contact us at (SaaS Partner Contact Info).

...

Below is a quick summary of Complaint Element Codes:

Element

Summary

Element 1*

Transparency and Disclosure Element

  • Complaints about Payrix sub-merchant agreement(s) not being clear or failure to disclose all fees in the summary/disclosure boxes.

  • Complaints about issues showing all card fees on monthly billing statements.

Element 2*

Notice of Fee Increase or New Fee Element

  • Complaints about card processing or integrated billing fee increases being implemented without a 90-day notification

Element 3

Contract Cancellation

  • Complaints about account cancellation issues with Payrix due to a fee increase that they wish to decline.

Element 4

No Obligation Acceptance

  • Complaints about Payrix requiring a merchant to accept credit & debit from a card network if they only want to accept debit or vise versa.

Element 5

Payment Method Discount Element

  • Complaints about Payrix restricting a merchant from offering discounts on different payment methods.

Element 10

Negative Option Acceptance

  • Complaints where Payrix automatically enrolls a merchant in a new product or service

Element 11

Contactless Payments

  • N/A for Payrix at this time.

Element 12

Renewal and Cancellation Disclosure

  • Complaints about Payrix contract renewals and cancellations. (Outside of the fee change cancellation)

Element 13*

Complaint Handling Process

  • Complaints about Payrix either:

    • Mishandling a complaint,

    • Lacking punctual and appropriate response timelines,

    • Not offering a website you could refer to, or;

    • Weren’t provided with a path for escalation.

* =Required, Payrix will work with you to resolve this type of complaint.