Payment and transaction FAQ

Can I be charged extra by a merchant for using my credit card?

Yes. Merchants can add a surcharge to credit card transactions made outside of Quebec.

Can merchants require me to show my ID when I pay with my credit card?

Yes. Merchants can ask for ID when you make a credit card purchase. Checking your ID is a way for merchants to verify that you're the cardholder and help prevent fraud. They might also ask to check the signature on the back of your card.

There is no obligation to show ID when you make a credit card purchase. However, merchants are free to refuse the transaction if you choose not to present your ID.

I would like to pay my credit card automatically each month. Is this possible?

Yes. You can set up an option to automatically pay all or part of your credit card balance. Each month, the amount corresponding to your choice of payment is automatically withdrawn from your account.

You can register for authorized payments on AccèsD using a web browser. This feature isn't available in the mobile app.

On AccèsD

1. Log in to AccèsD.
2. Select your credit card.
3. Select Manage card.
4. Select Manage account.
5. Under Account management, select Add options.
6. Select Authorized payment.
7. Follow the instructions.

By mail

Fill out the authorized payment registration form and then mail it back to us with a void cheque.

Desjardins Card Services

P.O. Box 11070 Station Centre-ville
Montreal QC
H3C 9Z9  

Fill out the authorized payment registration form online (PDF, 101 KB)

I use the authorized payment service for my credit card. If I make another payment during the month, will the pre-authorized amount still be debited from my account?

It depends on the amount of your additional payment and the type of pre-authorized payment option you selected:

• Minimum payment due
• Set amount
• Full balance

If you make an additional payment, do so at least 2 business days before the due date on your statement. Otherwise, it might not get considered when calculating the pre-authorized payment.

Factoring in additional payments can be complex and depends on whether you're paying the minimum amount, a set amount or the full balance.

If you want to know about a specific balance, you can contact us via the secure AccèsD message box by selecting Credit cards and prepaid cards or by calling us at  514-224-7737 Phone number of customer service for the Montreal area. This link opens your phone app. (514-CAISSES) or at 1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES).

How do I change the account that gets debited for the pre-authorized credit card payment?

To change which account gets debited for the authorized payment, call us at 514-224-7737 Phone number of customer service for the Montreal area. This link opens your phone app. (514-CAISSES) or at 1-800-224-7737 Phone number of customer service for Canada and the US. This link opens your phone app. (1-800-CAISSES).

How can I cancel a pre-authorized payment agreement I have with a merchant?

Contact the merchant to end the pre-authorized payment agreement. Merchants have their own cancellation terms and conditions. Make sure to keep a copy of the cancelled agreement.