Merchant Accounts & Credit Card Processing

Credit card processing in any payment currency.

You'll receive everything needed to process credit cards in U.S dollars, Canadian dollars, or any currency of your choice. We include both the merchant account and secure payment gateway as a complete bundled solution with everything you need to process payments. From an integration standpoint you can connect your website to our payment processing service with a custom integration, or can use one of over a hundred already compatible shopping cart software platforms.

What is a merchant account?

A merchant account is a special type of bank account that is used to hold funds captured from credit card sales. Each time a credit card transaction is processed the money for that order is transferred from the cardholder and is deposited into the merchant account. Funds are then transferred from the merchant account into a regular business bank account on a daily or weekly basis. A business must have a merchant account in order to accept credit cards, as it facilitates the transfer and holding of money from credit card sales.

In addition to the merchant account you also need a payment gateway. The payment gateway is the technical service that allows you to request an order to be processed. For example, an e-commerce website will integrate into a payment gateway in order to submit credit card processing requests. We include both the merchant account and the payment gateway. If you want to learn more about how e-commerce works you can take our e-commerce lesson.

Quick and easy approval of your merchant account application.

You can be approved to begin processing in less than a week. We've worked with thousands of merchants in Canada over the past 19 years and have refined our application process to be as easy as possible.

You'll receive end-to-end support with a dedicated account manager as a central point of contact for help on any issue. Migrating to a new payment processor shouldn't have to be a challenge, and your dedicated representative will ensure the process is as easy and stress free as possible.

Payment processing with simple and honest pricing.

It's our belief that pricing should be simple, honest and easy to understand. We work constantly to educate merchants about interchange and are huge advocates for honest pricing. This is the foundational belief of our business, it's in our mission statement, and has remained that way since we first started providing merchant services almost 20 years ago.

If you have questions about discount rates, interchange, cross border fees, currency or foreign exchange fees (or anything related to the costs associated with online payments) don't hesitate to contact us.

Choose your preferred payment gateway.

We include the merchant account and payment gateway together as a bundled solution because it's everything you need to process payments. However, some merchants use specific software that requires a certain type of special integration. That's why we also support many popular payment gateway options such as Authorize.net. If you already have an existing or preferred gateway integration it shouldn't pose a problem. This helps to make implementing or migrating your payments to our processing service much easier because it reduces the possibility of technical or compatibility issues.

What's involved? How do I set it up?

It's easy to accept credit cards. Start by reviewing our rates to determine which package is best for you, and then submit your application form online. When your application is received a review will be completed within a few business days. Upon completion of the review you'll receive an email with your account credentials and access to the payment system.

At that point you'll have access to the virtual terminal and can begin processing orders. If you have an online business you'll also be able to integrate your website to enable e-commerce payments.

Need Help? Just try to stump us!

Most important of all, remember that we're here to help. We realize that implementing credit card payments on an e-commerce website can seem overwhelming. There are no bad or silly questions. Whether you're in the planning stages to find a simple credit card processing solution in Canada, or are researching to find a complex multi-currency / cross border payments solution and need advice, don't hesitate to contact us with any questions you have.

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We proudly publish our rates on our website. There are no hidden fees.

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