Archive for April, 2017


The Canadian Code of Conduct for merchants became operational in August 2010. It was put into effect to uphold fair business practices and make sure retailers and consumers understand the costs and benefit of debit and credit cards. For a smooth experience, while running your online businesses, it is important to have the good, the bad and the ugly at your fingertips. Find below a breakdown of the benefits of the Code of Conduct as well as matters that are lacking for a better business experience by all Canadian merchant account holders.


The New and the Good



  • Lower Interchange Rates- New law



In April 2015 MasterCard and VISA announced a reduction in interchange rates. The updated code now allows you to instantly terminate an existing agreement if the provider does not abide by the lowered interchange cost. Always check to confirm that the price reductions comply with lower interchange costs.



  • New law on Auto-Renew Agreements



There is a new code addressing Auto-Renew Agreements. You can now provide notice to your processor if you wish to renew your contract automatically. However, this rule will apply until a stipulated period, after which the window will be shut maybe 30 days to the renewal date. Also, auto-renew agreements are now limited to a maximum of 6 months per term. Therefore you can’t have your contract renewed for another extended period.



  • 3-months notice on fee increases



The card issuer (e.g. MasterCard) or payment processor should give you (the merchant) a 90-days notice in case of a price increase. Also, there are no penalties if you wish to cancel your account following the announcement of an increase in rates until the 90-days notice expires. However, note that this rule doesn’t apply for equipment leasing.


The absent



  • No law on Equipment Leasing



While you can now cancel your Canadian merchant account due to an increase in processing rates, this code does not apply to equipment leasing. In Canada equipment leases are still non-cancelable contracts, the consequence is you will be made to pay lease charges even after terminating your account.



  • No law on Advertising Standards



The new code of conduct has not set advertising standards for processing charges. Most processors still advertise low rates without disclosing the details of the fees. Hidden costs only come as a surprise to many merchants when it’s too late to turn; when papers are signed, and terms are non-cancelable.


Phencyclidine or PCP was created in the 1950’s to give anesthesia intravenously. In any case, because of reactions, for example, fantasies, incoherence, and madness it was removed the restorative business sector. Albeit removed the restorative business sector, it is still broadly utilized by medication abusers. It makes a high and permits an abuser to daydream. In light of it’s wide use as a recreational medication numerous medication compulsion focuses have brought to the table PCP treatment.

Wide Utilize

PCP is generally utilized as a gathering drug as a part of the club scenes. It can be found at clubs and raves all through the Unified States. It has numerous road names including; Blessed messenger Dust, Peace Pill, Stunning, Wack, Ozone, and the rundown proceeds. It can likewise be consolidated with weed to make Executioner Joints and Supergrass. This goes to demonstrate the wide utilization of this stimulating.


In its unadulterated structure, it is a white precious stone like powder that breaks up immediately when drenched in water or liquor. 4-meo-pcp. It has an astringent substance taste. In any case, in the city it can contain any number of contaminants that bring about the shading to change from light to dim chestnut and even have an extensive variety of textures also Notwithstanding powder it is likewise found in tablet or container shape and can even be in a fluid frame and showered on verdant like materials like parsley, oregano, mint, and even pot.


There are an extensive variety of side effects connected with the utilization of PCP. Utilized reasonably it can make a sentiment detachedness permit the client to disassociate. Mental trips can be joined with deadness in the arms and legs and in addition slurred discourse and a complete loss of coordination. Periodically with the utilization of PCP there is a sentiment great quality and strength. This is exceptionally perilous as it can prompt hazardous practices that wouldn’t be attempted typically. On the off chance that taken in exorbitant amounts it can prompt considerably more server impacts like seizures, and even passing.

Recovery Because of the very addictive nature of PCP it is germane that any client mishandling PCP or some other psychedelic look for treatment quickly. Treatment will take into consideration the client to detox off of the medication and after that give them the instruments and assets to carry on with a solid medication free life. There are numerous projects accessible, for example, inpatient programs, escalated outpatient programs, private treatment programs, there are numerous choices out there. The treatment will permit the client to recover their life and settle on sound medication free decisions.