Code of Conduct for the Payment Card Industry in Canada

If you have a complaint pertaining to the Code of Conduct for the Payment Card Industry in Canada, you may file a complaint through a variety of channels:

  • our toll free numbers +1 844 221 2700 or +1 778 807 5107

  • via email to Windcave Acquiring: [email protected] . A complaint template is available here.

  • by mail to Windcave Limited, 2416 Main St., Suite 398 Vancouver BC V5T 3E2

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.

Following receipt of your complaint, we will:

  • acknowledge receipt of your complaint within five (5) business days.

  • provide our final decision in writing within twenty (20) business days, along with:

  • a summary of the complaint;

  • the final result of the investigation;

  • explanation of the final decision; and

  • information on how to further escalate your complaint in the event of an unsatisfactory outcome.

If we cannot provide a response to you within 20 business days, you will be advised the reason for delay, and the expected response time.

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

  • your company name and Windcave merchant number,

  • a summary of your concerns,

  • details, such as the name of the representative you were dealing with, the date the concern occurred, date spoken to acquirer or representative,

  • copies of any supporting documentation (i.e. agreements, statements, correspondence from acquirer)

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: [email protected]

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 acquirer, processor, or financial institution in order to assist us in answering your concerns.