Cardholder's Choice
Ontario's Trusted ATM partner

Code of Conduct

NOTE: this is a process of last resort as far as we are concerned and has never been chosen by ANY of our clients in 20 years of operations. That is because we listen, and respond to issues promptly and your satisfaction is our top priority,

CODE OF CONDUCT: MERCHANT COMPLAINT HANDLING 

Cardholder’s Choice is committed to complying with the Code of Conduct for the Credit and Debit Card Industry in Canada. Information on the Code can be found on the website of the Financial Consumer Agency of Canada (FCAC) (http://www.fcac-acfc.gc.ca/)


NOTE: this is a process of last resort as far as we are concerned and has never been chosen by ANY of our clients in 20 years of operations. That is because we listen, and respond to issues promptly and your satisfaction is our top priority,

Cardholder Issues

Settlement and payment issues

Service Issues

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

  • Email: ATMSupport@chcatm.com

  • Telephone: Using our toll free number 1-877-571-2867

  • Mail: 157 Hardwood Avenue North, Suite 201, Ajax, Ontario, L1Z 0B6

Following receipt of your compliant we will:

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

  • Provide our final decision in writing within 90 days of receiving your complaint, 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, along with the complaint handling form.

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

To assist us in reviewing your compliant 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, and copies of any supporting documentation (i.e. agreements, statements).

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.

 

ATM Support Alliance of Professionals | ASAP

Code of Conduct.

Membership is free and open to any ATM deployer who meets our criteria and fits with our strict ethos. What makes us different is our business philosophy. We do not  seek to make our money on the equipment sale itself. We sell at wholesale and our prices are second to none. The ATM itself is a means to an end and that end is to generate transactions through Interac approved cash withdrawals.  Fairness, Service and Value are the cornerstones of our approach. Customer loyalty is a very important building block of our ATM business and ASAP members must reflect these values.

Any member can have its privileges and participation in ASAP suspended or removed at our sole discretion if any of the following apply;

  • Member makes fraudulent or misleading representations to us or any of their clients or prospects.

  • Member refuses to support other members or disparages other member’s without applying for dispute resolution through ASAP.

  • Solicitation of other ASAP members clients or failing to assign leads for new prospective locations derived from service contact with other members locations or clients

  • Violation of Interac, Anti money laundering or credit card processing contracts

  • Financial insolvency or bankruptcy