Card payments by Canadian consumers are dominated by Visa and Mastercard credit cards and Interac debit, and Discover cards have almost no local issuance base in Canada. It is therefore more accurate to view Discover not as a primary payment method for local Canadian consumers, but as a supplementary method so as not to miss payments from visitors, expatriates, and international students using cards issued in the US. Given the significant amount of travel between the two countries, this demand is not negligible.

For online businesses with a meaningful share of American customers, such as travel and accommodation booking, education and study-abroad services, or subscription services, accepting this can be considered as a way to reduce payment failures. If your goal is to target local Canadian consumers, Visa, Mastercard, and wallet-based methods should be the priority in your card mix.

When a holder of a Discover card issued in the US or elsewhere enters their card details or pays with a saved card, the payment is approved after passing through the card network's online authentication, such as 3-D Secure. Hecto Financial receives the approved proceeds in CAD, converts the currency, and settles the merchant in whichever of USD, KRW, or JPY was agreed in the contract.

Integrating through Hecto Financial lets a Korean company explore adopting Discover payments without a separate contract with a local Canadian entity. Since Discover is a supplementary method in nature, it is efficient to confirm together with Hecto Financial's sales team, before signing a contract, whether it can be integrated together with your primary card methods, along with fees and settlement conditions.

• Business registration country

  Confirm contract eligibility as a Korean business

• Sales channel

  The integration approach and priority differ depending on your mix of online sales channels, such as your own store, open marketplaces, or a mobile app

• Product categories handled

  Confirm in advance whether your category falls under Discover's restricted merchant policies

• Local regulatory compliance

  Confirm compliance with Canada's payment and foreign exchange regulations (see the official sources below)

Discover transaction proceeds are also received by Hecto Financial in CAD via the card network, and merchant settlement is made, after currency conversion, in whichever of USD, KRW, or JPY was set in the contract. Since this is a supplementary method with limited transaction volume, rather than setting up separate terms, confirming at contract signing whether it is settled together with your primary payment methods will simplify operations.

• Bank of Canada / Payments CanadaOfficial information on Canada's payment systems and clearing rules. If this page's content differs from the actual regulations, the official source takes precedence.