Canada - Credit Card Processing Fees and Rates – Vagaro Support

For every credit or debit card you process with Vagaro, our processing fees are deducted from the total before it's deposited into your bank account. The fees deducted depend on the type of transaction you processed. You can view all fee deductions and your net earnings from the Credit Card Deposits Report.

Vagaro does not allow passing on credit card processing fees to the customer because this practice is banned by some cardholders. See Surcharges and Convenience Fees before continuing.

Processing rates vary by country. If you are outside of Canada, see the following articles:

Prerequisites: This feature requires Credit Card Processing.

Base Processing Rates

Vagaro offers competitive processing rates and a wide range of other benefits with Credit Card Processing.

Per Dip & Tap	Per Keyed-In Transaction	Flat Fee Per Interac Chip & PIN Transaction
2.65%	3.4% + $0.15	$0.10

What is the Difference Between Swiped and Typed-In Transactions?

Swiped Transactions: Payments made through the WisePOS E or Wisepad E card readers where a card is swiped (sliding the card's magnetic stripe in the reader), dipped (inserted into the reader), or tapped (the card touches the reader). Transactions using Apple Pay and Google Pay are also considered "swiped" transactions.

Keyed-in Transactions: Payments made in-house and online by using a card on file or manually entering card information. Recurring payments for memberships and packages or money received through Rent Collection are also considered keyed-in transactions.

Merchant Fees

ACH Return (CAD $25): Customers are required to keep banking information up to date. Suppose the account information on file is wrong, to no fault of VMS, and we fail to verify your bank account information based on your provided information. In that case, a CAD $25 fee will be charged for any returned deposit due to inaccurate bank account information.
Chargeback (CAD $20): Upon a consumer initiating a chargeback, the consumer's financial institution immediately and without notice impounds the exact amount of funds at dispute from your account. We will provide details of the chargeback transaction and instructions on how to dispute and impose a CAD $25 fee.
Settlement Transaction Reject (CAD $25): If your account is frozen or impacted due to a negative status, your financial institution may reject deposits. Each rejected deposit will automatically incur a CAD $25 fee.