Yes, our Canadian agreements have significant differences, including:

  • BIN sponsorship is with National Bank of Canada, or NBC (physical BIN 556344; virtual BIN 556345).
  • Negotiation of Canadian agreements must be limited compared to US accounts (e.g., the bank must approve all changes and it is unlikely that the bank will approve significant changes regarding liability or compliance).
  • Rebates in Canada are much lower due to the significantly lower interchange structure.