Three rate structures. Pick the one your sales fit.
These are the published rates, in full — and none of the three carries a monthly fee, so you only ever pay per transaction. The difference between them is not quality of service. It is who absorbs the cost of a credit card, and how predictable you want your monthly statement to be.
01 · Fixed
Best for cafés, salons and shops getting off a bank terminal.
02 · Surcharge
Best for businesses that want card fees off their own books entirely.
03 · Variable
Best for growing or high-volume merchants who want the raw cost broken out.
Rates shown are standard published pricing and may vary with business type, card mix and processing history.
Move the sliders to match a normal month at your business. The estimate updates as you go — no form, no email required. New to this? Read interchange-plus vs flat rate.
ESTIMATE ONLY · NOT A QUOTE
A REAL QUOTE USES YOUR CARD MIX
If none of these sound like you, ask for a quote and we will tell you which one wins on your real card mix.
Fixed charges 2.50% on credit and 0.75% + $0.07 on debit, every sale. Easiest statement to read; usually the right first step off a bank terminal.
Variable passes through the card network's interchange and assessment and adds 0.20% on credit. Debit is a flat $0.05. The more debit and the higher your volume, the better this tends to look.
The surcharge program adds 2.40% to credit card sales where permitted, with disclosure handled at the terminal. Debit stays at $0.05. Card brand rules apply — see the surcharging FAQ.
The calculator works off published rates and your own assumptions. A real quote uses your actual card mix. Prefer to talk it through? Call 416-640-0902.
What you sell and roughly what you process a month. If you have never taken cards before, what you expect to process will do.
Debit against credit, average sale, card types, monthly volume. The mix is what moves the number — far more than the headline rate does.
The structure we would put you on, what it costs, and what we think you save. No obligation, and usually inside one business day.
Rates shown are standard published pricing and may vary with business type, card mix and processing history. Estimates produced by the calculator are estimates, not a quote or an offer of credit.
No obligation and no long form. We look at how your business takes cards and tell you, usually within one business day, what you would pay and what you would save.
Get my quoteThe support line is live 24/7. Office hours are Monday to Friday, 9 to 5, at 79 Torbarrie Rd, North York.
