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Canada’s sovereignty call-to-arms has largely been expressed through what we buy. Shoppers fiercely scrutinize labels and corporate ownership to determine whether a product is truly “Canadian.” But while we’re paying closer attention to the origin and composition of the products we’re purchasing, we’re not really thinking about how we pay for them. That needs to change.

Kimberly Prost probably thinks about it every day. The Canadian International Criminal Court judge has been sanctioned by the Donald Trump administration since August 2025 for authorizing investigations into alleged war crimes by American personnel in Afghanistan, as well as cases related to Israel’s conduct in Gaza. Those sanctions mean that when Prost goes on vacation, she needs to phone hotels in advance to explain why she can’t pay for her stay with a credit card.

Prost is navigating a financial shadow ban because global commerce moves through an Americanized network. In 2025, Visa and Mastercard controlled 96 percent of Canada’s credit card market. We have a strong domestic debit system with Interac, but even that independence is eroding: Visa and Mastercard have partnered with Interac on co-badged cards, while many consumers pay with Apple-issued iPhones or use terminals run by American companies, such as Chase, Global Payments, Square, and Stripe.

A system that inconveniences a judge today could, in theory, be turned against a whole country tomorrow. The United Kingdom is reportedly exploring a national alternative to Visa and Mastercard over fears Trump could use United States–owned payment providers to freeze its economy. European officials have warned the continent is dangerously exposed to such coercion.

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[-] prodigalsorcerer@lemmy.ca 21 points 6 days ago

The other thing is just that people love credit card rewards.

Obviously, the rewards come out of the cut that the CC processors take from the merchants, so it's not really free, but at this point, if you use debit instead of credit, you're just paying more for no reason. It will take a big momentum shift of stores refusing to accept credit cards before debit takes over in Canada. Even now, I've seen stores who charge 50 cents to use any type of card under a minimum value, whether it's debit or credit. While that encourages cash for small purchases, it does nothing to encourage debit, which would be significantly cheaper for merchants.

[-] kevincox@lemmy.ml 20 points 6 days ago

you’re just paying more for no reason

You are basically paying the credit card fees for not using a card. It is a protection racket. "It'd be a shame if you didn't use our credit card and had to pay extra due to card processing fees".

We should do what the EU did. Clamp card fees to a small value so that they can't meaningfully offer customers rewards which creates this twisted incentive.

Or stores just make the customer pay (most of) the card fees. As you said lots of smaller stores do this and I'm more than happy to pay with debit.

[-] ragepaw@lemmy.ca 4 points 6 days ago

There are actually laws in some places in Canada against providing different pricing based on payment method. I worked at a store years ago that gave discounts for random things that were not payment methods that coincidentally only applied to people who paid cash.

The rewards thing, I run things through my credit card because of that. The only thing that the CC company makes money off of me directly for is the yearly charge.

[-] prodigalsorcerer@lemmy.ca 2 points 6 days ago* (last edited 6 days ago)

There are actually laws in some places in Canada against providing different pricing based on payment method

I don't think there's any laws against this. What I found specifically says:

Under the Code of Conduct for the Payment Card Industry in Canada, you may choose to offer discounts for different payment methods and between different payment card networks.

I know that historically, Visa and Mastercard have prohibited merchants from charging fees for using a credit card, but couldn't do anything about offering discounts if they didn't use a credit card. I believe they removed that from their merchant agreements a while ago, because it was mostly performative, and I don't think they enforced it very well.

[-] ragepaw@lemmy.ca 2 points 5 days ago

I was specifically referring to charging a fee for using a credit card. But that apparently went away in 2022.

this post was submitted on 09 Apr 2026
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