North American Product Classification System (NAPCS) Canada 2017 Version 1.0

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North American Product Classification System (NAPCS) Canada 2017 Version 1.0
Introduction
Hierarchical structure

761 - Financial services (except insurance)

This group comprises financial system regulatory services; account and cash management products; loans and other credit financing products; investment products; financial planning services and trust products for individuals, businesses, institutions (except unincorporated) and governments; and products supporting financial services.

76141 - Credit financing (except loans)

This class comprises credit card services; factoring; financial leasing; and sales financing.

761411 - Credit card products

This subclass comprises the provision of lines of credit to credit card holders, and credit card processing services to merchants, that together enable credit cards to be accepted as a means of payment.

7614111 - Credit card cardholder products for businesses and government

Provision of a revolving line of credit to business and government holders of credit cards, allowing them to purchase goods and services from merchants who accept their card. Credit granted through credit cards may be unsecured, or secured by a deposit held by the card issuer.

All examples

7614112 - Credit card cardholder products to consumers

Provision of a revolving line of credit to consumer holders of credit cards, allowing them to purchase goods and services from merchants who accept their card. Credit granted through credit cards may be unsecured, or secured by a deposit held by the card issuer.

  • Illustrative example(s)

    • cash-back credit cards for individuals
    • guaranteed credit cards for individuals
    • open-loop (prepaid) credit cards
    • secured credit cards for individuals
    • travel reward credit cards for individuals

    All examples

  • Inclusion(s)

    • closed-loop store-branded cards
7614113 - Credit card merchant products

Credit card transaction processing services provided by processors and banks to merchant account holders.

  • Illustrative example(s)

    • credit card chargeback fees
    • credit card transaction fees
    • fees for authorizing credit card transactions on the Internet
    • fees for verbal authorization of credit cards
    • interchange fees
    • merchant account statement fees
    • merchant discount rate fee
    • swipe fees

    All examples

7614114 - Credit card association products

Services provided by credit card associations to issuing banks.

  • Illustrative example(s)

    • membership fees paid to credit card associations

    All examples

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