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Accept Credit Cards On Your Website

Includes a merchant account and payment gateway.

You get everything needed to process secure e-commerce payments. We include the merchant account and secure payment gateway. Our service works with all popular shopping cart software, or you can build a custom integration. (New to e-commerce? See how e-commerce works).

You will be able to process Visa, MasterCard and optionally American Express payments as well. If you are targeting international customers other card types can be supported such as China UnionPay, Diners, and JCB.


Get Started

Includes a Virtual Terminal (for taking orders over the phone)

You can securely process credit cards using your computer. Log into your control panel and click the "New Order" button. Type in the credit card number and the amount to charge. The customer is automatically emailed a receipt. It's that simple and there is no hardware to purchase.

The virtual terminal is free to all of our customers. More info and a demo can be found here.

Payments In Any Currency (USD, GBP, EUR, CAD)

  • Every major processing currency worldwide
  • Receive your funding deposit in any currency
  • Choose the payment currencies you want to support

We provide over 200 different payment currencies such as CAD, USD, GBP, EUR, AUD and JPY.

Most e-commerce payment processing services allow you to accept payments in a single currency. Our multi-currency capable processing gives you a much greater degree of flexibility. You are able to collect payments from your worldwide customers directly in their local currency.

You also have flexibility in terms of how you are paid. You can choose what currencies you want to receive your funding deposits in. For example, you process payments in GBP and must decide how those funds will be returned to you. Do you want them to be deposited directly in a GBP bank account? Or do you want the funds to be converted into CAD and deposited into your Canadian dollar bank account? We can support both methods and can set it up any way you want.

Multi-currency processing is an important tool when targeting foreign customers. When you charge a customer in their native currency it increases shopper confidence and can reduce problems such as discrepancies when refunds occur. Alternatively, by not allowing a customer to pay in their native currency your website will not cater to them and will raise doubts in the shoppers mind. Over time this will lead to lost sales.

Better rates for e-commerce payments

  • No setup or monthly fees
  • Volume pricing discounts
  • Charity rate for non-profit organizations

We specialize in cost optimization for merchants that process payments online and over the telephone. If you interact with your customers on the web or by phone we can lower your processing costs.

In particular, we are able to help our clients lower processing costs by helping your business capitalize on lower interchange costs in different regions and situations. As an example, if your business processes recurring payments you should be receiving a lower rate on each recurring transaction. Most merchants are unaware of factors like this. If you require a cost optimization strategy (especially if you process payments internationally), there is simply no other processor in Canada that can come close to matching our expertise in this field.

Since January of 2001 we have set a goal of providing simple, honest pricing. 16 years later that has not changed. We are proud of our reputation for clear and honest pricing (listed online here), and encourage you to contact us with any questions.

Flexible Integration Options

  • Compatible with most shopping carts
  • Custom integration support
  • Avoid cardholder data to reduce PCI issues

Compatible with most existing shopping cart platforms

You can use any shopping cart software with our service because we able to support a huge number of payment gateway platforms. One of our unique advantages is that we connect to more banks and payment gateways than almost any other payment processor. (Including in Canada, USA, Europe, and Asia/Pacific). You are free to choose any shopping cart software you like, and because we tie into so many payment gateways you should never have to worry about integration.

If there is a particular shopping cart software you want to use please see our list of compatible shopping carts, or contact our support team to discuss your plans and they will confirm compatibility.

Custom Integration: Support and Documentation

You can build a custom integration into our payment gateway platforms. We offer access to more than one payment gateway platform because we support a huge range of processing currencies in different countries. There is no singular gateway in existence that can satisfy every currency, payment type and country. For that reason our clients receive access to a wide range of payment gateway platforms in the USA, Canada and Europe.

Integration documentation can't be provided until we determine which gateway platform you will connect to. We have many to choose from, and the cost of the payment gateway is fully included in our rates so you will not incur any extra fees from the payment gateway. If you already have a gateway in mind you'd like to use contact us to confirm if it is compatible. We support most globally recognized payment gateway platforms. (NMI, WorldPay, PSiGate, Authorize.net, NetBilling, etc.)

In terms of integration methods we support both direct API methods of integration, as well as redirects and overlay integrations which help reduce the PCI compliance scope of your project. Test accounts are available upon request. Our support team can help you pick the best gateway platform best suited for your situation.

PCI Compliance Issues? No Problem

Merchants of all sizes are realizing that it's easier in many cases to avoid touching cardholder data. Our billing platforms are designed to give you the ability to "push" the collection of the credit card number onto our systems so that you can avoid dealing with sensitive cardholder data (and still be seamless to your customers from a look and feel perspective). Or, you can retain total control over all aspects of the checkout process. The choice is up to you.

We are happy to help you with any questions about PCI compliance concerns or the integration methods that are available. Contact us with any questions or get a test account.

Quick and Easy to Setup

You can complete the online application form in about 10 minutes time.

Upon completion you'll be assigned a dedicated account manager who will help you through the setup process. Once your submission is received the approval can be issued in as little as 24 hours.

Guaranteed approval of your merchant account application

We offer an industry-leading, merchant friendly approval guarantee. If your merchant account application is not approved you will receive an immediate refund of the setup fee. (Note: there is no setup fee for our Starter program, only for our Advanced program).

Canadian, U.S and International Business May Apply

In addition to assisting Canadian and U.S based clients, we can support international merchants with businesses located in the UK, Europe, Australia and other countries around the world. Any type of legal business entity can be approved including charities, proprietorships and corporations.

Recurring Billing

We offer free access to a data vault / recurring billing platform. Some merchants need recurring billing but do not want to store sensitive credit card data because of the PCI compliance issues that it raises. We offer tokenized recurring billing at no additional charge. You can do automatic recurring billing, or can send subsequent 1-off transactions at any point in time. You control the billing, we just reduce the PCI burden by reducing your touchpoints with cardholder data.

Pre-Authorization

We include support for pre-authorization functionality as a free and standard part of the service.

You can place a hold on your customers credit card without actually collecting the funds. This is popular in industries such as hotel bookings or car reservations. It's also useful when you want to hold funds while checking available inventory, or in other situations where you are not ready to ship an order but want assurance that funds will be available in in the future.

Email an Invoice (so customers can pay invoices online)

Not all of our clients require a full e-commerce store. If you just want a simple page where customers can submit a payment we have a solution for this called EasyInvoice. You can add it to your website in minutes. It's secure, useful - and free!

When you want a customer to pay you, just email them a link to your payment page. When they go to that page and submit a payment you'll get an email telling you how much they paid you, and they'll get an email receipt. It's that simple!

SECURITY - Important To Your Business And Your Customers!

  • Industry leading anti-fraud features
  • AVS, CVV, velocity checks, geographic IP checks
  • Verified by Visa, MasterCard SecureCode

Security should never be an afterthought, as it is on the forefront of your customers minds. If your customers do not feel safe, they will not buy.

Working with Merchant Accounts.ca, you will get a processing solution that utilizes the most advanced security features available. This includes AVS (address verification), Verified by Visa and CVV2 (3 digit security code check). There is great value and peace of mind in knowing that you have taken the proper steps, ensuring the safety and security of your customers information.

Verified by Visa and MasterCard Securecode

Every online business needs a strategy to combat fraudulent orders. For some businesses this is a small concern because they offer low risk products or services that do not typically attract fraudsters.

For other businesses you may need advanced anti-fraud tools. Our system supports Verified by Visa and MasterCard SecureCode, which are the strongest layers of protection that merchants can currently employ. If you get a Verified by Visa authenticated transaction it means that the cardholder should not be able claim fraud or unauthorized use of their card. If they do you will win a chargeback dispute. This is a huge layer of protection to business owners. If you sell a high risk product we strongly encourage you to utilize these tools which are available to you, especially as we include them at no extra cost (many other merchant account providers charge extra fees for Verified by Visa and MasterCard SecureCode).

Alternative Payments

Alternative payments are methods of payment which are not traditional Visa, MasterCard or American Express payments. In most industrialized countries Visa and MasterCard payments are the strongly predominant way of taking payments online. However, in some developing countries credit cards are not as readily available and other methods of payments have become popular. As an example, in Brazil a popular local payment type is called Boleto.

If you are targeting international customers alternative payment methods may become an important part of your roadmap to success. Many merchants need help when it comes to determining the alternative methods of payments that are popular in the countries you are targeting. Furthermore, even with an understanding of what you need it is often difficult to setup and establish a solution for accepting these payment methods. We are able to help your business accept most popular methods of alternative payments in a majority of countries around the world. Contact us to discuss your alternative payments requirements.

The best dedicated customer support - Seriously!

When implementing credit card transactions on your website, it is extremely important to have access to professionals who will take the time to answer your questions, and help you when you need help.

Every one of our clients is assigned a dedicated account representative. Your representative will become your central point of contact, offering ongoing support and assistance with all e-commerce related issues for the lifetime of your account.

Each account manager is an e-commerce industry consultant and specialist, with the ability and authority to help you whenever an issue arises. This close working relationship is a unique aspect of our service, and provides accountability and problem solving when you need it.

Want to understand the costs involved?

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