How to switch credit card processors in Ontario

Usually, yes — but some agreements carry a cancellation fee. Tell us who you are with and when the agreement ends, and we will tell you what leaving actually costs before you commit to anything, so you can compare it against what you would save.

The quote usually comes back inside one business day. Once your account is approved, the terminal itself takes under 10 minutes to set up. We give you a realistic install date with the quote.

We plan the install so your new terminal is taking payments before the old one is switched off. Tap to Pay on iPhone and Android also gives you a backup way to get paid from day one.

Yes. Tell us roughly what you expect to process each month and your typical sale, and we will recommend a plan and terminal from there.

None of our three plans — Fixed, Variable or Surcharge — carries a monthly fee. You pay per transaction, at the rates published on our pricing page.

Interchange is the fee the card networks and issuing banks charge on every credit transaction. It varies by card type — a premium rewards card costs more to accept than a basic one. On our Variable plan you pay interchange and the network assessment at cost, plus 0.20%, so you can see exactly where every cent goes.

The calculator works off published rates and your own assumptions. A real quote looks at your actual business — your card mix, card types and average sale — which is what really moves the number.

Rates shown are standard published pricing and may vary with business type, card mix and processing history. Your quote will state the exact rates that apply to you.

Yes, in most of Canada (full detail in our surcharging guide). Since October 2022, card brand rules allow merchants to add a surcharge to credit card transactions, capped at the merchant’s cost of acceptance and no more than 2.4%. Our Surcharge plan uses 2.40%.

Surcharging is not permitted in Quebec, and is not applied where card brand rules do not allow it.

No. Surcharges apply to credit cards only — debit and prepaid cards cannot be surcharged. On our Surcharge plan, debit is a flat $0.05 per transaction that you pay.

Customers have to be told before they pay, and the surcharge has to show on the receipt. Our terminals handle the disclosure at the point of sale, and we will tell you what signage you need at your entrance and counter.

Customers who would rather not pay it can use debit. Many of our merchants run it without issue — one told us on Trustpilot it is “saving us hundreds of dollars monthly.” If you would rather not, Fixed or Variable keep the cost on your side.

Sometimes. It depends on the device and which processor it is tied to. Pick “I want to keep my current hardware” on the quote form, tell us the make and model, and we will tell you whether it can move with you.

Square suits the lightest possible setup or merchants already on Square. Clover suits businesses that need a full counter — kitchen display, kiosk, pay-at-table or built-in loyalty. We place both, so we will recommend the one that fits. See Clover and Square.

Call 416-640-0902. The support line is live 24/7 — a real person, no ticket, no callback window. If it needs hands on the device, a technician comes to your counter, typically within 2–4 hours across the GTA.

Yes. We are based in North York and serve the GTA and the rest of Ontario. On-site response times quoted on this site apply across the GTA.

Clover and Square terminals encrypt card data at the moment the card is tapped, inserted or keyed, so your business does not store raw card numbers.

Every business that accepts cards has PCI obligations. What applies to you depends on your processor and how you take payments. Ask us at setup and we will walk you through what your account requires.