01 Merchant Payment Solutions — Canada
Are you paying too much to accept payments?
We review your current payment processing costs and match your business with a suitable, competitively priced solution — no guesswork, no pressure.
Serving Canadian businesses with flexible payment solutions and dedicated merchant support — no cost or obligation to review your statement.
Monthly Processing Snapshot
Illustrative only. Actual costs depend on your card mix, transaction volume, and current provider terms. Send us your statement for an accurate, no-obligation comparison.
02 The problem
Most merchants don’t know their real processing rate
Processing statements are built to be hard to read. Blended pricing, hidden add-ons and long contracts make it difficult to know whether you’re paying a fair rate — until you compare it against something.
- High or unclear processing feesFEES
- Confusing, blended pricing structuresPRICING
- Unexpected charges and add-onsCHARGES
- Monthly and equipment fees stacked on topEQUIPMENT
- Long contracts with early termination costsCONTRACT
- Statements that don’t show your effective rateSTATEMENT
- Slow or hard-to-reach merchant supportSUPPORT
We start by reviewing what you’re actually paying today — then show you where a different solution could help.
Have Us Review Your Current Processing Costs03 Savings estimate
Find out what you could be saving
This calculator gives a rough estimate based on typical processing structures. For an accurate comparison, send us a recent statement and we’ll review it directly. Open the full calculator page →
Estimated comparison
$0.00
Estimates only. Not a quote or guarantee of savings. A reviewed rate assumes a typical interchange-plus structure with competitive markup and is illustrative — actual pricing depends on your business type, card mix and processing volume.
04 Process
How it works
Tell us about your business
Share your business type, transaction volume and payment requirements — takes about two minutes.
We review your current costs
Our team looks at your existing processing setup — statement included, if you have one — and identifies where costs could come down.
Get a customized solution
You receive a payment processing option built around your business, with plain-language pricing you can compare directly.
05 Payment solutions
Payment acceptance built around how you do business
We work with a range of payment technology and processing partners, so the solution we recommend is based on your business — not a single machine we’re trying to sell.
In-Store Payments
Countertop and wireless terminals for retail stores, restaurants, salons and other physical locations.
Contactless Payments
Accept tap, chip, PIN and major mobile wallets across all the card networks your customers use.
POS Payment Solutions
Payment acceptance that can connect with how you already run your business, where integration is supported.
Mobile Payments
Take payments on the move — for contractors, mobile services, and businesses that don’t work from a fixed counter.
Online Payments
Payment solutions for e-commerce and businesses that take payments through a website or invoice.
Recurring Payments
Built for subscriptions, memberships and businesses that bill customers on a schedule.
Integrated Payments
Where supported, payment acceptance can connect with your existing business software and reporting.
Multi-Location Support
Consistent pricing and reporting across more than one location, under a single relationship.
06 Industries
Payment processing for your type of business
Different businesses take payments differently. Rates, equipment and support needs vary by industry — here’s where we typically help.
- Restaurants
- Cafés
- Retail Stores
- Convenience Stores
- Salons & Barbershops
- Medical Clinics
- Dental Clinics
- Professional Services
- Contractors
- Automotive Businesses
- Hotels & Hospitality
- E-Commerce
- Startups & New Businesses
07 Trust & security
How we handle your business’s payment security
Payment security isn’t optional — it’s part of how any solution we recommend has to work.
Secure payment technology
Solutions are built on payment technology designed for secure card-present and card-not-present transactions.
Data protection
Cardholder data is handled according to industry security practices, not stored insecurely on your systems.
PCI-related considerations
We help you understand what PCI compliance means for your business and what’s required of you as a merchant.
Fraud prevention
Solutions include standard fraud and dispute monitoring appropriate to your transaction type and volume.
08 Why Captopay
Why Canadian merchants work with us
Independent, not tied to one machine
We compare across payment technology and processing partners, so the recommendation fits your business rather than a sales quota.
Plain-language pricing
We explain what you’re actually paying — interchange, markup, and fees — in terms you can check yourself.
Built for Canadian businesses
Pricing structures, card networks and support are set up around how Canadian merchants operate, coast to coast.
No-obligation review
Sending us a statement or requesting a quote doesn’t commit you to anything. You decide once you see the comparison.
09 Questions
Frequently asked questions
Payment processing is the system that moves funds from your customer’s card or account to your business bank account, including authorization, settlement and the fees charged along the way.
Cost depends on your transaction volume, average sale size, card mix and business category. There’s no single rate that applies to every business — a direct comparison matters more than an advertised number.
In most cases, yes. We’ll walk through your current contract terms, any equipment considerations and how setup would work, so you know exactly what switching involves.
No. A rate review is free and comes with no obligation to switch or sign anything.
10 Get started
Don’t guess what you’re paying
Understand your processing costs and find a solution that works for your business. Tell us a bit about your business and we’ll follow up with a rate comparison.