Our Stakeholders are organizations who rely on our payment systems but don’t participate directly. We consult and collaborate with these groups through our Stakeholder Advisory Council (SAC). It includes representatives of consumer groups, retailers, corporations, governments, and payments industry service providers. SAC provides advice and counsel to our Board of Directors and staff, and helps us make informed decisions regarding the challenges and opportunities for payment users and providers.

Stakeholder Advisory Council

The Stakeholder Advisory Council (SAC) is a 20-person council that was established in 1996, and was formalized in the Canadian Payments Act in 2001. The council provides advice to our Board of Directors on payment, clearing, and settlement matters.

SAC members contribute input on proposed initiatives, including by-laws, policy statements and rules that affect third parties. They also identify issues that might concern payment system users and service providers, and suggest how they could be addressed. In addition, SAC representatives have the opportunity to serve on other Payments Canada committees.

Members (as of September 2023):

  • Canadian Life and Health Insurance Association, vacant
  • Consumers Council of Canada, Don Mercer - Stakeholder Advisory Council vice-chair
  • Dye and Durham, Paolo Pannunzio
  • Finance Canada, Nicolas Marion (observer)
  • Fintech Cadence, Layial El-Hadi
  • Fiserv, William Lee
  • Global Payments, Katie Stone
  • Government of Alberta, Ryan McLeod
  • KOHO, Damier Xandrine
  • Metrolinx, Daniela Aubry - Stakeholder Advisory Council chair
  • Microsoft, Tracy Lagasse
  • Nanopay Corporation, Zeldi Snyman
  • Payments Canada Board of Directors, AnneMarie Ryan
  • Prosper Canada, Liz Mulholland
  • Receiver General for Canada PSPC, Lucie Séguin
  • Square, Grace Jung
  • TELUS Communications, Tom Carter
  • Temenos, Kevin Maloney
  • Tim Hortons, Nicolas Dinh
  • WestJet, Nykol Kroeker
  • Wise, Josh Rowat


Eligibility requirements for membership and the yearly nominations process are set out in our General by-law and Administration by-law respectively. The SAC meets at least three times a year.

Terms of reference 


Status on call for nominations

Nominations for 2024 will open early next year. If you have any questions, would like to be considered for nomination, or want to learn more about the council and the selection process, please contact

Call for nominations