{"id":3472,"date":"2023-05-23T17:03:00","date_gmt":"2023-05-23T21:03:00","guid":{"rendered":"https:\/\/www.cqcd.org\/blogue\/le-gouvernement-annonce-une-reduction-des-frais-de-transaction-des-cartes-de-credit-pour-les-petites-entreprises\/"},"modified":"2024-07-17T10:18:09","modified_gmt":"2024-07-17T14:18:09","slug":"credit-card-transaction-fees-for-small-businesses","status":"publish","type":"blog_article","link":"https:\/\/www.cqcd.org\/en\/blog\/credit-card-transaction-fees-for-small-businesses\/","title":{"rendered":"The government announces a reduction in credit card transaction fees for small businesses"},"content":{"rendered":"    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<section data-module='m03a' class=\"md:u-pt-fl m-content m-content--image-double   u-bg-[var(--module-background-color)] \" style=\"--module-background-color:var(--color-root-white); --pt-min-value:0; --pt-max-value:0;\">\n        <div class=\"l-container \" style=\"\" >\n        <div class=\"m-content__content u-pt-fl u-pb-fl u-px-fl u-text-[var(--module-text-color)]   \" style=\"--pt-min-value:7; --pt-max-value:10; --pb-min-value:7; --pb-max-value:10; --px-min-value:0; --px-max-value:0; \n                            \n         \n\n    \n    --module-text-color:var(--root-color); --module-subtitle-color:var(--root-color); --module-image-bg-pattern-color:var(--color-quaternary-500); --module-typography-ul-marker-color:var(--color-primary-500); --module-typography-link-color:var(--color-primary-500); --module-typography-link-hover-color:var(--color-primary-500); --module-legend-text-color:var(--color-primary-500);\n \">\n            \n                                            \n                \n\n\n\n\n\n\n\n\n\n\n\n\n<main class=\"l-grid   l-grid--2@md   u-items-center  u-justify-start u-gap-y-fl u-text-left\" style=\"--gap-y-min-value:5; --gap-y-max-value:7; --grid-gutter:    \n                \n                \n    clamp(1.5000rem, 1.2727rem + 0.60606060606061vw, 2.0000rem)\n;\">\n                    <div class=\"l-grid__block\">\n            <picture     \n                        \n                                        \n                                            \n                                                                            \n                        \n     class=\"c-image   c-image-has-bg-pattern c-image-has-bg-pattern--right\" style=\"--border-radius: 8; --radius: 0; --image-bg-pattern-offset-amount:9; --image-bg-pattern-mobile-offset-amount:4.5; --image-bg-pattern-color:var(--color-quaternary-500);\"\n>\n    \n    \n    \n            <source\n            media=\"(min-width: 900px)\"\n            srcset=\"https:\/\/www.cqcd.org\/wp-content\/uploads\/2023\/08\/Ecommerce-Ventes.jpg\"\n            type=\"image\/jpeg\"\n        >\n            <source\n            media=\"(min-width: 800px)\"\n            srcset=\"https:\/\/www.cqcd.org\/wp-content\/uploads\/2023\/08\/Ecommerce-Ventes-560x600.jpg\"\n            type=\"image\/jpeg\"\n        >\n            <source\n            media=\"(min-width: 400px)\"\n            srcset=\"https:\/\/www.cqcd.org\/wp-content\/uploads\/2023\/08\/Ecommerce-Ventes-400x300.jpg\"\n            type=\"image\/jpeg\"\n        >\n        <img loading=\"lazy\" decoding=\"async\"     \n                        \n                                        \n                                            \n                                        \n                                            \n                                        \n                                            \n                                        \n                                            \n                                        \n                                                                    \n                                        \n                                            \n                                                                            \n                        \n     class=\"u-w-full u-h-auto\" src=\"https:\/\/www.cqcd.org\/wp-content\/uploads\/2023\/08\/Ecommerce-Ventes.jpg\" alt width=\"560\" height=\"675\" fetchpriority=\"auto\" style=\"\"\n\/>\n\n    <\/picture>\n        <\/div>\n                    <div class=\"l-grid__block\">\n            <div class=\"c-typography  u-mt-6 c-typography--paragraph-size\" style=\"--typography-paragraph-font-size: var(--font-size-180); --typography-max-width: 100%;\">\n    <p class=\"MsoNormal\">La semaine derni\u00e8re, le 18 mai 2023, le gouvernement du Canada a annonc\u00e9 avoir conclu des ententes avec Visa et Mastercard afin de r\u00e9duire les frais de transaction des cartes de cr\u00e9dit pour les petites entreprises. Selon le gouvernement f\u00e9d\u00e9ral, ces nouvelles ententes permettront \u00e0 plus de 90 % des entreprises qui font des transactions par carte de cr\u00e9dit au Canada \u00e0 devenir admissibles \u00e0 une r\u00e9duction de leurs frais d\u2019interchange pouvant atteindre 27 % par rapport au taux moyen pond\u00e9r\u00e9 actuel. Ces r\u00e9ductions devraient permettre aux petites entreprises canadiennes admissibles d\u2019\u00e9conomiser environ 1 milliard de dollars sur cinq ans.<\/p>\n<p class=\"MsoNormal\"><strong>Pour les petites entreprises admissibles, les compagnies Visa et Mastercard se sont engag\u00e9es \u00e0 :<\/strong><\/p>\n<ul>\n<li class=\"MsoNormal\">R\u00e9duire leurs frais d\u2019interchange factur\u00e9s aux consommateurs nationaux \u00e0 un taux d\u2019interchange annuel moyen pond\u00e9r\u00e9 de 0,95 %, pour les transactions en magasin.<\/li>\n<li class=\"MsoNormal\">R\u00e9duire de 10 points de base leurs frais d\u2019interchange de cartes de cr\u00e9dit factur\u00e9s aux consommateurs nationaux pour les transactions en ligne, ce qui se traduira par des r\u00e9ductions pouvant atteindre 7 %.<\/li>\n<li class=\"MsoNormal\">Leur fournir un acc\u00e8s gratuit \u00e0 des ressources en ligne de protection contre la fraude et de cybers\u00e9curit\u00e9 pour les aider \u00e0 accro\u00eetre leurs ventes en ligne tout en pr\u00e9venant la fraude et les r\u00e9trofacturations.<\/li>\n<\/ul>\n<p class=\"MsoNormal\"><strong>Les entreprises \u00e9ligibles devront avoir un volume de ventes annuelles inf\u00e9rieur \u00e0 300 000 $ pour Visa, et \u00e0 175 000 $ pour Mastercard<\/strong><\/p>\n<p class=\"MsoNormal\">Les petites entreprises devront v\u00e9rifier leur admissibilit\u00e9 aupr\u00e8s de chaque r\u00e9seau de cartes de cr\u00e9dit, individuellement. Plus particuli\u00e8rement, les petites entreprises dont le volume de ventes annuelles par carte Visa est inf\u00e9rieur \u00e0 300 000 $ seront admissibles aux frais d\u2019interchange les plus bas de Visa, et celles dont le volume de ventes annuelles par Mastercard est inf\u00e9rieur \u00e0 175 000 $, aux frais d\u2019interchange les plus bas de Mastercard. Les organismes \u00e0 but non lucratif dont le volume de transactions est inf\u00e9rieur \u00e0 ces seuils pourront \u00e9galement profiter de taux r\u00e9duits.<\/p>\n<p class=\"MsoNormal\">Le gouvernement s\u2019attend aussi \u00e0 ce que d\u2019autres compagnies de cartes de cr\u00e9dit prennent des mesures semblables pour r\u00e9duire les frais factur\u00e9s aux petites entreprises et \u00e0 ce que les services de traitement des paiements refilent ces \u00e9conomies aux petites entreprises.<\/p>\n<p class=\"MsoNormal\">Dans le cadre de ces nouvelles ententes avec les compagnies Visa et Mastercard, les grandes banques canadiennes se sont mises d\u2019accord pour prot\u00e9ger les points de r\u00e9compense des Canadiennes et des Canadiens.<\/p>\n<p class=\"MsoNormal\">Les nouveaux taux entreront en vigueur \u00e0 l\u2019automne 2024 afin de disposer de suffisamment de temps pour r\u00e9aliser les mises \u00e0 jour du syst\u00e8me qui doivent \u00eatre effectu\u00e9es.<\/p>\n<p class=\"MsoNormal\"><strong>2 exemples \u00e0 titre indicatif<\/strong><\/p>\n<ol>\n<li class=\"MsoNormal\">Malik et S\u00e9bastien sont propri\u00e9taires d\u2019une petite boutique locale d\u2019articles de sports \u00e0 Edmonton, qui enregistre des ventes annuelles de 300 000 $ par carte de cr\u00e9dit (200 000 $ par Visa et 100 000 $ par Mastercard). Ils paient actuellement 4 000 $ de frais d\u2019interchange par ann\u00e9e sur ces transactions. Gr\u00e2ce aux nouveaux engagements obtenus par le gouvernement f\u00e9d\u00e9ral, ils devraient pouvoir profiter d\u2019une r\u00e9duction de 27 % de leurs frais d\u2019interchange, ou 1 080 $ par ann\u00e9e.<\/li>\n<li class=\"MsoNormal\">Farees et Hadeel sont propri\u00e9taires d\u2019une librairie ind\u00e9pendante \u00e0 Brampton, qui enregistre des ventes annuelles de 120 000 $ par carte de cr\u00e9dit (70 000 $ par Visa et 50 000 $ par Mastercard). Ils paient actuellement 1 600 $ de frais d\u2019interchange par ann\u00e9e sur ces transactions. Gr\u00e2ce aux nouveaux engagements obtenus par le gouvernement f\u00e9d\u00e9ral, ils devraient pouvoir profiter d\u2019une r\u00e9duction de 27 % de leurs frais d\u2019interchange, ou 432 $ par ann\u00e9e.<\/li>\n<\/ol>\n<p class=\"MsoNormal\">Source : <a href=\"https:\/\/www.canada.ca\/fr\/ministere-finances\/nouvelles\/2023\/05\/le-gouvernement-annonce-une-reduction-des-frais-de-transaction-des-cartes-de-credit-pour-les-petites-entreprises.html\">Communiqu\u00e9 \u2013 Gouvernement du Canada<\/a><\/p>\n<p class=\"MsoNormal\"><a href=\"https:\/\/www.cqcd.org\/frais-dinterchange-des-cartes-de-credit\/\">Consultez notre grand dossier<\/a> sur les frais transactionnels de cartes de cr\u00e9dit au Canada!<\/p>\n\n<\/div>\n        <\/div>\n    <\/main>\n                                <\/div>\n    <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"featured_media":3471,"template":"","article_category":[102,106],"class_list":["post-3472","blog_article","type-blog_article","status-publish","has-post-thumbnail","hentry","article_category-retail-en","article_category-retail-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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