These requirements include:

Please refer to below for each individual requirement:

Further guidance on how to meet these requirements are outlined below. If you have any issues or questions on how to comply with these requirements, please reach out to support or call (855) 672-9749.

Providing Monthly Merchant Statements

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.

Please download the example below for a sample of what your Monthly Merchant Statement information should look like:

Fee Change/Introduction of New Fee Notice

As Payrix would only increase fees directly applicable to its Partners, Payrix will provide a minimum of 120 days’ notice of any fee increases, the introduction of a new fee related to any credit or debit card transactions, or a reduction in applicable interchange rates. If Payrix’s Partners decide to make changes to fees due to this notice, Partners must provide their merchants with a minimum of 90 days’ notice of any fee increases, the introduction of a new fee related to any credit or debit card transactions, or a reduction in applicable interchange rates.

Sample Fee Increase Notification Email

Sample Introduction of New Fee Notification Email

Complaints Handling Process

As a Payrix Partner servicing merchants in Canada, you are the first point of contact for your merchants should they have any issues or complaints regarding the billing integration services we provide. As such, you are required to establish a complaint intake and handling process.

Partner Complaint Handling Requirements

Step 1: Setting up your Online Complaint Intake Form

An online complaint intake form is required for your merchants/sub-merchants to submit potential Code-Related Complaints with the service or platform.

Create your online intake form for your merchants to submit the information required in Step 2.

As a minimum, the complaint intake form must include the following information:

• Name of submitter

• Business Name

• Contact Info (phone #, email)

• Box where merchant can type in a summary of the complaint & all helpful details

• Place to attach copies of any supporting documentation (i.e. agreements, statements, correspondences)

Step 2: Establish Internal Complaint Handling Process

An internal process must be established explaining how the initial complaint review will be handled (including timeframes) to determine if it is a general complaint or Code related complaint.

Process explaining how merchants will be sent an acknowledgment and escalation notice within 5-business days of receipt of the complaint and process explain the escalation of the complaint to Payrix if the complaint is determined to be Code related.

Step 3: Identifying a Code-Related Complaint

What is a Complaint? 

A complaint is any expression of dissatisfaction with a product, service, policy, or an employee related to the Platform (except those made by cardholders who are also employees of your company).  

General customer service complaints are your responsibility, while Payrix is responsible for managing and resolving Code-Related Complaints.

What is a Code-Related Complaint?

It is important to distinguish between customer communications that you should resolve, versus those that you should forward to Payrix for resolution.

Step 4: Submit Code-Related Complaints to Payrix

When a Code-Related Complaint is identified, it must be submitted to Payrix support to manage any potential Code violations. All required information must be provided so that Payrix can properly investigate the matter.

After submitting the code-related complaint to Payrix, you must send an acknowledgement email within 5 business days to your merchant/sub-merchant notifying them that their complaint has been received and escalated to Payrix Support.

Sample Acknowledgement Email

Payrix Complaint Handling for Merchants

As a Canadian Merchant you must be provided with access to a clear dispute-resolution process for resolving complaints related to the Code of Conduct for the Credit and Debit Card Industry in Canada.

If you believe that we have acted in a way that is contrary to the Code and would like to file a complaint directly with us regarding our billing integration services, please visit our online complaint intake portal and complete the form.

Upon receipt of your complaint, Payrix will acknowledge receipt of your complaint within five (5) business days.

If we cannot provide a response to you within 90 days you will be informed of the delay, the reason for the delay and the expected response time.

Code-Related Complaints

Amendments made in April 2015 to the Code of Conduct for the Credit and Debit Card Industry​, Element 13, now state that payment card network rules require merchants to have access to a clear dispute resolution process.

This provides relevant information for an investigation and a timely response to Code-Related Complaints.

As Payrix Partner serving Canadian merchants, you will be the first point of contact for your merchants/sub-merchants.

Below is a quick summary of Complaint Element Codes:

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