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ARTICLE · 15 APRIL 2015

Amendments To Code Of Conduct For Credit And Debit Card Industry

Blake, Cassels & Graydon LLP
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Amendments made to the Code of Conduct for the Credit and Debit Card Industry in Canada (Code) released by the Department of Finance on April 13, 2015, will have interesting repercussions across the entire payment industry...

CanadaFinance and Banking
Jacqueline Shinfield
Jacqueline Shinfield
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Amendments made to the Code of Conduct for the Credit and Debit Card Industry in Canada (Code) released by the Department of Finance on April 13, 2015, will have interesting repercussions across the entire payment industry affecting not only payment card networks but also, among others, acquirers, issuers and mobile app developers.

The Code came into force in 2010 and was implemented as a form of "consumer protection" for merchants, ensuring that merchants were aware of the costs of accepting credit and debit cards, and providing merchants with flexibility in determining what payment options to accept.

The recent amendments to the Code provide merchants with even greater protection in respect of the acceptance of debit and credit cards, including in the mobile space, but it remains to be seen if these changes will be at the expense of broad mobile payment adoption in Canada.

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