Canadian Business Owners

Code of conduct and privacy information

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How to handle code of conduct issues

If you have a complaint pertaining to the Code of Conduct for the Credit and Debit Card Industry, you may file a complaint via:

  • Phone:    1-800-263-0104
  • Email:     Send Code of Conduct Inquiry Form to CodeofConductInquiry@discover.com
  • Mail:       Send form to
                     Discover Global Network
                     610 Chartwell Rd, Suite 101
                     Oakville, ON L6J 4A5

Code of Conduct Inquiry Forms

Code of Conduct Inquiry Form—English  and instructions

Code of Conduct Inquiry Form— French  and instructions

Code de Conduite formulaire de demande – Française   et instructions

Please visit the Financial Consumer Agency of Canada’s website for more information on merchant rights under the Code of Conduct for the Credit and Debit Card Industry in Canada.

Process After a Complaint Is Filed

Following receipt of your complaint we will:

  • Acknowledge receipt of your complaint within five (5) business days.
  • Provide our final decision in writing within ninety (90) days for Acquirers and forty-five (45) days for Payment card network operators of receiving the merchant complaint, along with:
    • A summary of the complaint
    • The final result of the investigation
    • Explanation of the final decision
    • Information on how to further escalate your complaint in the event of an unsatisfactory outcome

If we cannot provide a response to you within (90 days for Acquirers) and (45 days for PCNOs) you will be informed of the delay, reason for the delay, and the expected response time.

To assist us in reviewing your complaint, please provide the following, where applicable:

  • A summary of your concerns
  • Details, such as the name of the person you were dealing with, the date the concern occurred, date spoken to PCNO, acquirer or representative
  • Copies of any supporting documentation (i.e. agreements, statements, correspondence from acquirer or PCNO)

Nothing restricts you from directly filing a complaint with the Financial Consumer Agency of Canada (FCAC) to investigate non-compliance with the Code. FCAC can be reached via:

  • Phone:    1-866-461-3222
  • Email:     info@fcac-acfc.gc.ca
  • Mail:       Financial Consumer Agency of Canada
                     6th Floor, Enterprise Building
                     427 Laurier Ave. West
                     Ottawa, ON K1R 1B9

FCAC is not a dispute-resolution agency for consumers in their individual dealings with payment card network operators or acquirers.

Please note that the information being submitted may be shared with your PCNO, acquirer, processor or financial institution in order to assist us in answering your concerns.

Download Canadian Privacy Statement

Canadian Privacy Policy — English

Canadian Privacy Policy — French

Politique de confidentialité canadienne — français