01 Payment Processing
Payment processing for Canadian businesses
We help Canadian merchants accept card and digital payments through a solution matched to their business — with transparent pricing you can actually check.
What payment processing actually involves
When a customer pays by card, several parties are involved before the money reaches your business account: the card network (Visa, Mastercard, Interac, Amex), the customer’s issuing bank, and your payment processor. Each step in that chain carries a fee, and those fees are what make up your overall processing cost.
As an independent merchant payment solutions provider, Captopay doesn’t sell a single fixed product. We compare processing technology and pricing from multiple partners and put together a solution suited to how your business actually takes payments — in person, online, on the move, or all three.
What’s included in a processing solution
- A payment terminal or POS-integrated solution suited to your setup
- Transparent pricing you can compare against your current statement
- Support for major card networks, tap, chip and mobile wallets
- Reporting so you can see your transaction activity and fees
- Ongoing merchant support if something goes wrong at the counter
How pricing works
Processing costs are generally made up of an interchange fee (set by the card networks and passed through), plus a markup charged by your processor. How that markup is structured — flat-rate or interchange-plus — has a real effect on what higher-volume or lower-margin businesses end up paying. We walk through this with you in plain language; see our pricing overview for more detail.
Already have a processor? Send us a recent statement and we’ll show you your effective rate — the single number that reflects everything you’re actually paying — compared against a solution built for your business.
Who this is for
We work with small businesses, restaurants, cafés, retail and convenience stores, salons and barbershops, medical and dental clinics, professional services, contractors, automotive businesses, hotels and hospitality, e-commerce businesses, and new businesses just getting started.