A merchant cannot charge fees when you use a debit card to pay for a purchase. Fees cannot be added to the price of a product or a service at the time of purchase.

All-inclusive prices

The advertised price of a product or a service must represent the full amount you need to pay to buy it.

At the time of purchase, a merchant cannot ask for a price higher than the one advertised. The only amounts that can be added to the sale price are those that are required under the provisions of a government act or regulation and must be collected and given to a public authority. Sales tax (QST and GST) are examples of such amounts.

For more information, see our page about all-inclusive advertised prices.

A warning is not enough

A merchant is not abiding by the law even if they inform you at the register that an additional amount will be charged because of the method of payment you have chosen. Warning you verbally or displaying a sign for that purpose does not entitle the merchant to charge such fees.

Recourse in case of a problem

If a merchant wants to charge fees because you are paying with a debit card, you should inform them that, by law, they are not allowed to do so. If they still want to charge fees, you should contact the Office de la protection du consommateur to report them.

Specific case: taxi drivers

The regulation is the same for taxi drivers. Indeed, they cannot charge fees if you choose to pay with a debit card. They cannot charge an amount higher than the one that is indicated on their meter.

If a taxi driver working outside the island of Montreal has tried to charge you fees, please contact the Commission des transports du Québec.

If the incident happened on the island of Montreal, you can file a complaint at Montreal’s Bureau du taxi et du remorquage (in French only).

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You recommend this page: https://www.opc.gouv.qc.ca/

Last update : September 23, 2021

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The information contained on this page is presented in simple terms to make it easier to understand. It does not replace the texts of the laws and regulations.