Make a Fee Payment Within Canada

• Important Information about Making a Fee Payment

  You are responsible for planning sufficient time for payments

  to reach the University and to be recorded in the student’s ACORN account by the payment due date (registration and post-registration).  The transfer of funds from major Canadian financial institutions normally takes 3-5 business days, however the transfer from Canadian credit unions can take much longer.  To view fee payment due dates (registration period and post-registration period) and monthly service charge billing dates refer to  Post-Registration Fee Payment and Service Charge Schedules.

  Do not pay more than your tuition, residence, meal plan, and other fees billed on your ACORN invoice.

  Payments for living expenses not billed on your ACORN invoice should NOT be made to the University.  The University reserves the right to hold payments in excess of the tuition and residence fees for a subsequent session or to return to the sender.

  Keep your receipt or your fee payment verification/confirmation number.

  This is proof of payment and is required to investigate any payment problems.

  All payments are applied to the oldest outstanding charge

  in the oldest session on the student’s invoice.  There is no distinction between the type of charge, e.g. residence fees, academic fees etc.

  Refunds are issued to the student by direct deposit or cheque (no credit card refunding)

  even if someone else made the fee payment.  Exceptions are noted in Refer to Making a Refund Request and Refund FAQs.

• Online Banking Payment from a Canadian Bank Account

  Log onto the online banking service or call your financial institution’s telephone service and provide them with your account number displayed on the top right-hand corner of your ACORN invoice and the payee name ‘ University of Toronto ‘.

  Your account number consists of the first five characters of your surname (in capital letters) and 10 numbers which is your student number with leading zeroes unless it begins with “1”. Make sure you distinguish between the letter ‘O’ and the number ‘zero’.

  The account number is displayed on the top right-hand corner of your ACORN invoice.  In this example the account number is ROBIN1000942843 (first five characters of the surname ROBINSON + student number 1000942843)

  Miss Isabel Robinson                            ROSI Account: ROBIN1000942843 717 Bay St, Suite 2045                          Student      : 1000942843 Toronto ON  M5G 2J9                             Timestamp    : 02/06/2020 09:20:51 ================================================================================

  It will take 3-5 business days for the payment from a major Canadian financial institution to be recorded in your ACORN account, however the transfer from a Canadian credit union could take longer.

  If you check your ACORN account and do not see the payment listed on the Payments Report under the Financial Account tab, check again in a few days. There are daily updates from the bank to the University.

• In Person at Your Bank

  If you have a Canadian bank account, you may make a payment at the teller with a copy of your ACORN invoice.  Your account number & student number printed on the top right-hand corner of your ACORN invoice are needed to ensure the payment is transferred to your ACORN account.

  Your account number is displayed on the top right-hand corner of your ACORN invoice. It consists of the first five characters of your surname (in capital letters) and 10 numbers which is your student number with leading zeroes unless it begins with “1”. Make sure you distinguish between the letter ‘O’ and the number ‘zero’.

  The account number is ROBIN 1000942843 (first five characters of the surname ROBINSON + student number 1000942843)

  Miss Isabel Robinson                            ROSI Account : ROBIN1000942843 717 Bay St, Suite 2045                          Student      : 1000942843 Toronto ON  M5G 2J9                             Timestamp    : 02/06/2020 09:20:51 ================================================================================

  It will take 3-5 business days for the payment from a major Canadian financial institution to be posted to your ACORN account, however the transfer from a Canadian credit union could take longer.

  If you check your ACORN account and do not see the payment listed on the Payments Report under the Financial Account tab, check again in a few days. There are daily updates from the bank to the University.

• Mastercard or Visa Credit Card Payment on ACORN with a Service Fee

  The University of Toronto has partnered with Moneris (service provider) to provide students with an online non-refundable credit card fee payment option.  The Mastercard and Visa Canadian Dollar fee payment service is only available on ACORN and includes a separate and non-refundable service fee collected directly by Moneris.

  The credit card service fee is the non-refundable cost of making an online credit card fee payment.  This fee is billed at a rate of 2.50% of the fee payment amount and is paid directly to the service provider, Moneris, and not to the University of Toronto.  The service fee will be displayed as a separate charge on the online credit card payment receipt, and the card holder’s credit card statement.  The credit card statement description will be displayed as “STUD ACCTS – SERVICE”.

  Limit of One Credit Card Payment at a Time

  A successful credit card fee payment will be displayed on the ACORN payment history report as ‘Credit Card Payment-Awaiting Final Confirmation’ when the Moneris fee payment transaction has been completed.  It typically takes 2-3 business days to confirm the credit card payment and record the fee payment against your ACORN account.  The credit card fee payment is not considered to have been received by the University of Toronto until confirmed and recorded on the ACORN payment history report and the student invoice as a ‘Payment-ACORN Credit Card’.  At this point, if the student registration status is “Invited to Register”, ACORN will change the registration status to “Registered”.

  You can make only one credit card payment at a time and the credit card payment amount cannot be more than the account balance displayed on your ACORN dashboard.   Students pay on a per term basis so the account balance may differ from what you owe. View payment deadline information.

  You will not be able to make a credit card fee payment while another credit card payment is awaiting final confirmation.  This typically takes 2-3 business days and in the meantime, you will see a notification banner at the top of your ACORN financial screens.

• Important Information about Mastercard or Visa Credit Card Payment on ACORN

  1. Non-Canadian dollar denominated credit card fee payments will be subject to foreign exchange rates and fees as determined by your credit card company.

  These fees will not be displayed on the online credit card payment service.

  If you have a non-Canadian dollar denominated credit card, you should make the Canadian dollar fee payments by using the Convera or Flywire service.

  There are other payment options that do not include a convenience fee.

  2. NO interest or foreign exchange differences will accrue on payments that are eventually refunded, either in part or in full.

  Credit card refunding is not currently available. View refund options.

  3. Responsible Use of Online Credit Card Payment Service:

  This service is only available on ACORN.  ACORN provides students of the University of Toronto with direct access to certain portions of their University records. To gain access to ACORN, a valid UTORid or JOINid and password are required.

  University of Toronto students (invited and current) are the only individuals authorized to use this system.  Students must not disclose or share their passwords, nor permit others to access this system for any purpose whatsoever. Providing anyone with your UTORid/JOINid and password for any purpose including to make a credit card payment is prohibited, and unauthorized use of University computing systems and may result in the loss of access to University technology and other consequences.

  Misuse of the University system, including the use of an unauthorized or invalid credit card or the use of passwords and UTORid or JOINid by anyone other than the student to whom they were issued, could constitute a criminal offence and/or a violation of the U of T Code of Student Conduct.  Offences under the Code of Conduct are subject to penalties up to and including suspension or expulsion.

  4. The credit card service fee is the non-refundable cost of making an online credit card fee payment.

   This fee is billed at a rate of 2.50% of the fee payment and is paid directly to the service provider, Convera or Flywire service, and not to the University of Toronto.  The service fee will be displayed as a separate charge on the online credit card payment receipt, and the card holder’s credit card statement.  The credit card statement description will be displayed as “STUD ACCTS – SERVICE FEE”.

  5. The credit card fee payment is not refundable to your credit card.

  View refund payment options.

• ACORN Credit Card Payment Instructions

  You will need the following information to complete your online credit card payment transaction:

  • Mastercard or Visa card name and number, expiry date, and three digit security code on the back of the card
  • Cardholder billing address postal or zip code.

  Step 1: Login at acorn.utoronto.ca with your UTORid/Joinid and password.

  • Select “Make a Payment” and then Select “Make a Payment by Credit Card”.
  • Read the information at the top of the Credit Card Payment form to ensure that this is the optimal payment option for you.

  Step 2: Record the billing information

  The “Email receipt to” field will be pre-populated by your utoronto.ca email address if it has been recorded on ACORN.  Otherwise you can record the email address of the credit card payment receipt recipient.

  Step 3: Record the “Payment Amount (CAD)” and check the convenience fee amount.

  Record the “Payment Amount (CAD)” and check the service fee that has been calculated for you.

  You can pay the ‘Maximum Payment’ amount or less.  The Maximum Payment is the total amount owed but may not be the amount owed for the purposes of registration, or post-registration fee payment deadlines.

  View Payment & Service Charge Billing Deadlines.

  • If you decide that you prefer to make a fee payment without a service fee, you can back out of the transaction and make a payment by one of the other fee payment options.
  • If you are paying with a non-Canadian dollar denominated credit card, it is strongly recommended that the Convera or Flywire service for Students payment option is used as this payment option offers competitive exchange rates with NO transaction fees. For more information on this payment option, view Making A Fee Payment Outside Canada.

  Step 4:  Read and check the disclaimer and click on “Make a Payment” button.

  This will transfer you to the Moneris Online Credit Card Payment page.

  Step 5:  Record “Cardholder Details”

  1. The service fee will be displayed again. If you do not wish to pay this fee, then you can back out of this screen and make your payment by one of the other fee payment options (see link in #5)
  2. Click “Process Transaction” to charge your credit card.
  3. A “successful” or “declined” email notification will be sent to the address recorded in the “Email receipt to” field.
  4. You will be redirected to the ACORN Payment History screen.

  Step 6:  Check ACORN Payment History screen.

  The ACORN Payment History screen displays both declined and successful credit card fee payments.

  1. Declined credit card transactions are listed on the bottom of the screen. Click on “Credit Card Declined” to view your online transaction receipt.  This may help you to see why the payment was declined and if not, contact your credit card company.
  2. Your successful credit card transaction will be immediately listed at the top of the screen and described as “Credit Card Payment-Awaiting Final Confirmation” and the “Invoice Session” will be TBA.

  Click on “Credit Card Payment-Awaiting Final Confirmation” to view your online successful transaction receipt.

  Step 7:  Check Credit Card Payment Email Message(s).

  The receipt recipient will receive email notification(s):

  1. a)    If successful transaction, Moneris will send a Transaction Receipt message from STUD ACCTS CC PYMT-UOT TORONTO, and ACORN will send a U of T Credit Card Fee Payment Order Confirmation message from ACORN Help.
  2. b)    If declined transaction, Moneris will send a Transaction Receipt message from STUD ACCTS CC PYMT-UOT TORONTO.

  Step 8: Login to ACORN in 2-3 business days.

  Confirm that the “Credit Card Payment-Awaiting Final Confirmation” transaction on the “Payment History” screen has been replaced by a “Payment-ACORN Credit Card” transaction and the “Invoice Session” field displays the appropriate session value.

  This indicates that the credit card payment has been confirmed and recorded in your ACORN account.

• ACORN Credit Card FAQs

  1. Who can make an online credit card payment?

     This service is only available on ACORN for University of Toronto students. ACORN provides students of the University of Toronto with direct access to certain portions of their University records. To gain access to ACORN, a valid UTORid or JOINid and password are required. University of Toronto students (invited and current) are the only individuals authorized to use this system.

     Students must not disclose or share their passwords, nor permit others to access this system for any purpose whatsoever. Providing anyone with your UTORid/JOINid and password for any purpose including to make a credit card payment is prohibited, and unauthorized use of University computing systems and may result in the loss of access to University technology and other consequences.Misuse of the University system, including the use of an unauthorized or invalid credit card or the use of passwords and UTORid or JOINid by anyone other than the student to whom they were issued, could constitute a criminal offence and/or a violation of the U of T Code of Student Conduct. Offences under the Code of Conduct are subject to penalties up to and including suspension or expulsion.

  1. Can you pay your academic or residence deposit payment by online credit card?

     The online credit card fee payment service is available for academic deposit payments that will hold your place in an academic program if you have accepted an admissions offer which requires a non-refundable academic deposit payment. This payment service will be available on ACORN up until the academic deposit payment deadline for your division.Residence deposit payments to hold your place in residence are made on StarRez. Payment instructions will accompany your residence admissions offer.

  2. Which credit cards are accepted for fee payments?

     Mastercard and Visa credit card only. Visa debit card is not an accepted payment option. The use of non-Canadian dollar denominated credit cards for fee payments is not recommended. See FAQ # 6.

  3. What is the service fee?

     The credit card service fee is the cost of making an online credit card fee payment. This fee is billed at a rate of 2.50% of the fee payment and is paid directly to the service provider, Moneris, and not to the University of Toronto. The service fee will be displayed as a separate charge on the online credit card payment receipt, and the card holder’s credit card statement. The credit card statement description will be displayed as “STUD ACCTS – SERVICE FEE”. There are fee payment options that do not include a service fee and these can be viewed on the Making a Fee Payment page.

  4. Is the service fee refundable?

     No, as this fee is billed and collected directly by Moneris and is not remitted to the University of Toronto, the service fee is non-refundable even if the student cancels course enrolment and registration.

  5. What if you have a non-Canadian dollar denominated credit card?

     Non-Canadian dollar denominated credit card fee payments will be subject to foreign exchange rates and fees as determined by your credit card company and these fees will not be displayed on the online credit card payment service. Students who have a non-Canadian dollar denominated credit card are advised to make Canadian dollar fee payments by using the Convera Service or Flywire Service. This service offers competitive exchange rates with NO transaction charges from Convera.

  6. Are credit card refunds available?

     Refunds posted back onto the credit card are not currently available. See Refund payment options. NO interest or foreign exchange differences will accrue on payments that are eventually refunded, either in part or in full. If there is a credit balance that may be eligible for a refund payment, the refund will be made to the student even if someone else made the fee payment. Request a Refund.

  7. How long does it take for the University to receive/record the credit card fee payment?

     The online credit card fee payment will be displayed on the ACORN payment history report as ‘Credit Card Payment-Awaiting Final Confirmation’ when the Moneris fee payment transaction has been completed. It typically takes 2-3 business days to confirm the credit card payment and record the fee payment against your ACORN account.The credit card fee payment is not considered to have been received by the University of Toronto until confirmed and recorded on the ACORN payment history report and the student invoice as a ‘Payment-ACORN Credit Card’. At this point, if the student registration status is “Invited to Register”, ROSI will change the registration status to “Registered”.

  8. When can I make my next credit card payment?

     Only one credit card fee payment can be processed at a time. You will not be able to make a credit card fee payment while another credit card payment is awaiting final confirmation. This typically takes 2-3 business days and in the meantime, you will see a notification banner at the top of your ACORN financial screens.

  9. Can you pre-pay your ACORN fees by credit card?

     Credit card payment option is not available to pay for fees that have not yet been billed.If you must pay tuition fees for your first year before the fees are billed (Fall-Winter session fees are billed in mid-July) as part of a student visa application process e.g. Student Direct Stream program, the estimated tuition fee amount will be displayed on your admissions offer. This amount is an estimate that does not include incidental, ancillary, and UHIP (for International students).View Make a Fee Payment Outside of Canada for fee pre-payment options.

  10. Your credit card payment has been declined and you don’t know why?

      If you have viewed the Declined Transaction receipt and are still unsure about why the payment has been declined, contact your credit card provider for an explanation.

  11. Will I get a receipt showing proof of payment?

      Yes, the online credit card payment option has been designed so that you can download a copy of the receipt which can then be saved and/or printed. The receipt will be available for all credit card transactions, both approved and declined.

  12. Logging into ACORN for the first time to make credit card fee payment?

      Students who have a UTORid can log into ACORN.  Newly admitted students can access ACORN once they’ve enabled their JoinID. For more information about this, view ACORN Student Help UTORid and Password Reset Q & As at http://help.acorn.utoronto.ca/student-qa

      Please note that graduated students (alumni) with an UTORID can continue to access ACORN.  However, there is a process that eventually deactivates unused UTORids, at which time, access to ACORN will not be possible.Alumni who do not have a UTORid can continue to log into ACORN using the ACORN pin number and should select an alternate payment option.

• HigherEd Points

  Your family and friends can convert Aeroplan Miles and TD Travel Rewards Program points into $250 worth of credits towards your fees.

  Visit for information about how to join, redeem loyalty points, and transfer the credits to the University of Toronto.  What you will need:

  • the HigherEdPoints member number
  • your student account number; this is displayed on the top right-hand corner of your ACORN invoice. It consists of the first five characters of your surname (in capital letters) and 10 numbers which is your student number with leading zeroes unless it begins with “1”. Make sure you distinguish between the letter ‘O’ and the number ‘zero’.

  The HigherEdPoints member will get a confirmation email once the transfer from HigherEdPoints to the University of Toronto is initiated (this may take up to 72 hours).

  It will then take 3-5 additional business days for the payment from HigherEdPoints to be transferred to the University of Toronto and recorded in your ACORN account.