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Need Payment Processing?

For over 20 years we've helped Canadian businesses process credit cards online and by phone. Collect payments in USD, CAD and other currencies quickly and easily.

Payment Processing For:
Trusted for over 20 years by clients such as:
American Association of Science Logo Canpar courier logo D C logo Flight Network logo
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Credit card processing for my website
Process Visa, MasterCard and AMEX e-commerce payments on your website.
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Process phone, fax and mobile payments
Process Visa, MasterCard and AMEX payments using your computer, laptop or mobile device.
What Customers Say
"The rates are great, the processing is super quick and easy, the support is exceptional, with every query I had answered perfectly by Jennifer and David. Very much recommended in every aspect. They deserve 6 stars!"
- Richard D.
"I have had the most incredible experience working with Merchants Accounts, David and Jennifer. I had spent so much time searching for the perfect solution for my business and I am so happy I found them!"
- Carol S.
"Jennifer guided me through the entire set-up process with total ease and kindness. I would happily recommend them to any other fellow Canadian business owner who has credit card processing needs."
- Brittany P.
"I can't say enough good things about this organization. Their communication, their effort, their care and their service delivery is what we all hope for in a trusted partner relationship. Thank you every day!!"
- Jason C.
Latest News
July 10, 2024
How long of a contract should you be willing to sign when setting up credit card processing for your business? In almost all cases the answer should be monthly. Long term contracts should be avoided. David explains how to get a monthly agreement, and a few exceptions to the rule when long-term contracts can be beneficial.
December 08, 2023
How much are credit card processing fees in Canada? Use our interchange chart and fee calculator to determine your exact processing costs.
June 28, 2024
An original credit transaction is where a merchant sends money (gives money) to a cardholder. It's a unique service, but merchants should be very careful when using it.
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Credit card processing that's easy to setup for Canadian (and international) businesses.

In order to accept credit cards you need a merchant account, and a payment gateway. We provide a complete solution that includes the merchant account and payment gateway, so that you'll receive everything needed to process credit cards online.

This includes e-commerce processing for your website, a virtual terminal so you can collect credit cards by phone (process them using your computer), online invoice payments, and recurring billing payments. It's a one-stop solution with complete coverage of all possible ways to process credit cards.

USD, GBP, EUR? Exotic currencies? Not a problem!

If you need to process credit cards in USD or foreign currencies but are incurring currency conversion fees we can help.

We have, by far and away, the most expertise in Canada in the field of multi-currency processing. Since the requirements for multi-currency processing are very specific for each business, we encourage you to contact us to discuss your situation.
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What is a merchant account?
What is a merchant account?
A merchant account is required in order to process credit cards. It's a special type of bank account that is used to receive funds from credit card transactions.
Each time you process a credit card the money is moved from your customers Visa or Mastercard into your merchant account. The funds are then transferred from the merchant account into your bank account, on a daily or weekly basis.
How does a merchant account work?
How do I process payments?
You can collect payments online, by phone, or through an online invoice payment.
When people use their credit card, they don't often consider how the funds flow from a Visa or Mastercard account to the business. We provide the tools to collect the payment. This can be through a virtual terminal, an invoice payment page, or you can process e-commerce payments on your website.
Why does the merchant account make such a big difference in terms of processing costs?
Why does the merchant account make such a big difference in terms of processing costs?
Your merchant account provider will set the rates that you pay for each transaction processed.
Choosing the right provider is key to getting the lowest rates possible. The higher the volume of credit cards that you process, the more important lower processing fees become to your business. (Our low rates are something we take great pride in!)

We provide you with a payment gateway, which is one of the components of a credit card processing solution. Where the merchant account is used to receive and hold money, the payment gateway is the technical service that allows you submit a credit card transaction to be processed. An e-commerce website will send transaction requests to the payment gateway. It sounds complicated, but it's just the technical "thing" that you use, or that your website integrates into, in order to make transaction requests.

Although we provide a payment gateway as a part of our service, some merchants have a preferred payment gateway that they already want to use. For example, you might already be using a particular payment gateway and not want to make a change to your website. That is no problem because we support many popular payment gateway options such as NMI, or If you already have an existing or preferred gateway you can continue using it, and we will simply provide the merchant account. This means you can get our lower rates, but won't need to make technical changes to your website. This helps to make implementing or migrating your payments to our processing service much easier.

You can be approved to begin processing in less than a week. We've worked with thousands of merchants in Canada over the past 21 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.

Simple and clear pricing contract icon.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 more than 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.

Credit card processing on a computer icon.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. When the application is received you'll be assigned an account manager who will walk you through the process. Approval will be completed within a few business days.

Need Help? Just try to stump us!