Issues and Activities

Poll Shows Consumers Support Competition Tribunal Decision

Poll Shows Consumers Support Competition Tribunal Decision Time for Merchants to use the Tools Already at their Disposal to Control Credit Card Acceptance Costs 
August 26 (OTTAWA): The Consumers Association of Canada (CAC) released new polling 
today that shows consumers overwhelmingly support the decision of the Competition Tribunal to 
reject a challenge of rules put in place by MasterCard and Visa to protect consumers. 

 The challenge was launched by the Competition Bureau and was supported by merchant lobby 
organizations, who falsely claimed to be representing consumer interests in their effort to impose 
surcharges on credit card purchases and to obtain the ability to reject certain MasterCard and 
Visa cards while accepting others. 
“Merchants do not speak for consumers. We have our own voice and our polling clearly shows 
it is time for merchants to accept the Tribunal ruling and drop their campaign to impose 
anti-consumer policies on Canadians,” stated Bruce Cran, President. 
The Harris/Decima poll found 80% of Canadians support the Competition Tribunal’s decision to 
uphold the rule that prevents merchants from imposing surcharges on consumers who pay with a 
credit card. In addition, 68% of Canadians believe they should not have to worry about their 
particular credit card being declined by a merchant. Merchants oppose a MasterCard and Visa 
rule that requires them to accept all credit cards under their brands if they choose to accept that 
form of payment. 
The polling also showed consumers highly value their credit card rewards, with 68% saying they 
would be upset with anything that reduced their value. 
“Merchants should consider how important rewards are to their customers before they campaign 
for measures that would reduce their value,” stated Cran. “Merchants have been pursuing these 
anti-consumer policies for almost five years now. It is time to turn the page and focus on the 
tools already at their disposal to control credit card acceptance costs.” 
To that end, the poll revealed that 70% of consumers would be likely to pay with cash or debit 
instead of using a credit card if offered a discount by the merchant – something that is allowed 
under the government’s Code of Conduct for the Debit and Credit Card Industry in Canada. 
Another 21% of consumers would be willing to consider it. 
 “Discounting is a solution that could easily be implemented by merchants and would avoid 
alienating their customers. It does not require regulation, government intervention, changes to 
the Code, or another five-year lobbying campaign,” suggested Cran. 
The polling was conducted between August 8-13, 2013 by Harris/Decima and involved 
telephone interviews with 1,000+ Canadians. 

click here for Poll Charts and Full Report


Bruce Cran, 604-418-8359