Free Debit Machine Canada

Low Payment Processing Fees in Canada – Debit 3¢ & Credit Card Markup Only 0.15% | POS Terminals Available

Save More on Payment Processing: Low Fees, Modern Terminals, and No Hidden Costs

For many small and medium-sized businesses, payment processing fees quietly eat into profits. Every time a customer taps, swipes, or inserts a card, a percentage of the sale disappears in transaction fees. Over time, these charges can add up to thousands of dollars per year. The good news is that competitive payment processing options now exist that dramatically reduce those costs while still providing reliable equipment and excellent support.

If you are a retail store, restaurant, service provider, or online merchant, switching to a lower-cost payment processor can make an immediate difference to your bottom line. Some modern merchant service programs now offer extremely low pricing structures—just **3 cents per debit transaction and only a 0.15% markup on credit cards**, including transactions from major networks like Visa and Mastercard.

Let’s take a closer look at how this pricing works and why it is becoming attractive to businesses across Canada and beyond.

Ultra-Low Debit and Credit Card Fees

Traditional payment processors typically charge businesses a percentage plus a flat fee on every transaction. Depending on the provider, this could range from **2% to 3.5% per credit card sale**, along with other monthly and service charges.

In contrast, a simplified merchant plan with transparent pricing offers:

**Debit Transactions**

* Only **$0.04 per transaction**

**Credit Card Transactions**

* Only **0.15% markup** above standard interchange rates
* Applies to major networks such as Visa and Mastercard

For businesses processing hundreds or thousands of payments per month, this type of pricing can result in major savings. Instead of paying large percentages, you keep more of every sale.

For example:

* A $50 debit transaction would cost just **3 cents**
* A $100 credit card transaction with a 0.15% markup would add only **15 cents**

These savings accumulate quickly over the course of a month or year.

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Flexible Terminal Options for Every Business

Another key advantage of modern merchant programs is the variety of payment terminals available. Businesses can choose the hardware that best suits their environment, whether they need a stationary countertop terminal, a wireless device for tableside service, or a portable unit for mobile businesses.

Here are some of the commonly offered options:

**Clover Terminal – $25/month**

The Clover POS Terminal is one of the most widely used payment systems for restaurants and retail stores. It offers touchscreen functionality, inventory tools, and app integrations that can help streamline operations.

**Castle Terminal – $15/month**

The Castle Payment Terminal is a reliable and affordable option designed for everyday debit and credit card processing.

**Point Terminal – $15/month**

The POINT Payment Terminal provides simple card acceptance and is ideal for smaller businesses that want dependable performance without extra complexity.

**Ingenico Desktop Terminal – $10/month**

The Ingenico Desktop Terminal is a trusted countertop payment device widely used in retail environments.

**PAX Wi-Fi Terminal – $15/month**

The PAX Wireless Payment Terminal allows businesses to accept payments anywhere within Wi-Fi range, making it ideal for restaurants and service providers.

**Move 5000 3G Wireless Terminal – $25/month**

The Ingenico Move 5000 is a fully portable terminal that uses cellular connectivity. This is perfect for delivery services, outdoor events, trade shows, or mobile vendors.

**Verifone V400 – $20/month**

The Verifone V400 is another modern countertop device designed for fast chip, tap, and swipe transactions.

With multiple hardware options available, businesses can select a terminal that fits their workflow while keeping monthly equipment costs low.

No Hidden Fees

One of the biggest complaints merchants have about payment processing is hidden fees. Many providers advertise low rates but add unexpected charges in the fine print.

A transparent processing plan removes those surprises by eliminating common extra fees such as:

* **Batch Fee:** $0
* **Annual Fee:** $0
* **PCI Compliance Fee:** $6.00

Batch fees are typically charged each time a business settles its daily transactions. Eliminating this charge alone can save businesses hundreds of dollars annually.

Similarly, PCI compliance fees are often added by other processors to cover payment security standards. When this fee is removed, merchants save even more.

—

Free Setup and Installation

Another advantage of modern merchant services is the elimination of upfront costs.

Many programs now include:

* **Shipping: $0**
* **Installation: $0**
* **Setup assistance: Included**

This makes it easier for new businesses to start accepting payments without worrying about expensive hardware purchases or technical setup fees.

A technician or onboarding specialist typically walks merchants through the installation process so that the terminal is ready to accept payments immediately.

—

Same-Day Terminal Replacement

Payment terminals are essential for daily business operations. If a terminal stops working, even for a few hours, a business could lose sales.

To prevent disruptions, some providers now offer **same-day terminal replacement**. If equipment fails, a replacement device can be sent immediately so the merchant can continue accepting payments without interruption.

This level of service ensures reliability and peace of mind for business owners.

—

24/7 Customer Support

Payment processing systems run around the clock, especially for businesses that operate evenings, weekends, or online.

That’s why **24/7 customer service** is a critical feature. When questions or technical issues arise, merchants can speak to a support representative any time of day.

Reliable support helps businesses quickly resolve issues such as:

* Transaction errors
* Terminal connectivity problems
* Settlement questions
* Software updates

Having access to knowledgeable support staff ensures that businesses can keep transactions running smoothly.

—

Why Businesses Are Switching

Lower transaction costs, modern payment hardware, and zero hidden fees make these types of merchant programs increasingly attractive.

Businesses switching to this pricing structure often report:

* Lower monthly processing costs
* Faster payment acceptance
* Modern tap-to-pay technology
* Greater transparency in billing
* Reliable hardware and support

With debit transactions costing just **3 cents** and credit card markup at only **0.15%**, businesses can keep more of their revenue instead of losing it to high processing fees.

Appy Here

LandLords and Property Management Can Accept Credit Cards For Rent

Landlords and Property Management Can Accept Credit Cards for Rent – Here’s Why They Should

In today’s digital world, convenience and flexibility are key – especially when it comes to rent payments. More and more landlords and property management companies are turning to credit card processing as a modern solution for collecting rent. Accepting credit cards not only streamlines operations but also offers benefits for both tenants and property owners.

For tenants, the ability to pay rent by credit card adds convenience, especially during tight financial periods. Credit cards offer flexible payment options, reward points, and can even help avoid late fees when funds are low. This flexibility can improve tenant satisfaction and reduce missed or late payments.

From a landlord’s perspective, credit card payments ensure faster transactions and more predictable cash flow. Payments processed electronically reduce the risk of bounced checks and minimize the administrative burden of handling cash or paper checks. Most importantly, landlords can receive rent payments instantly or within one business day – a huge upgrade from waiting for checks to clear.

Security is another big win. Credit card processing through reputable platforms ensures encrypted transactions, protecting both the landlord and tenant. With features like recurring billing, automatic reminders, and digital records, managing rent collection becomes seamless and transparent.

While there may be processing fees associated with credit card payments, many landlords pass these on to tenants or simply view them as a cost of doing business in a competitive rental market.

Incorporating credit card acceptance isn’t just about keeping up with the times – it’s about offering tenants a better experience and ensuring smoother operations. Whether you manage one property or hundreds, it’s time to consider the advantages of accepting rent by credit card. It’s fast, secure, and beneficial for everyone involved.

We can help with this
Contact

POS Debit Machine Available Price

Enjoy free credit card processing with surcharging. Accept credit cards at 0% cost to you Eliminate credit card costs when by passing fees along to your customers. 100% compliant and legal in Canada

Apply online toronto credit card processing.com Paul@ 416-907-4618

AXIUM EX8000
Rents @ $28.88 Based on a rental. There is no exit fee No contract

INGENICO MOVE 5000 Rents @ $29.98

A910 Android SmartPOS Rents @ $32.90

Clover Flex V3 Rents @ $34.99

The “Free” Debit Machine is from Nuvei

Canadian Credit Card Surcharge Rules

What is the process that a merchant must follow in order to surcharge Visa credit cards?

A. A merchant that chooses to apply a surcharge to consumers who pay with Visa credit cards must:
• provide it’s acquirer with a minimum of thirty (30) days advance written notice of it’s intention to surcharge
• disclose it’s surcharging practices to cardholder at the point of interaction (POI) and on the cardholder’s receipt
• apply a surcharge amount that complies with the surcharge cap/method as detailed in the Visa Rules:

A merchant may apply a surcharge at either the Visa brand level or the product level (but not both). (i.e., a merchant may surcharge all Visa credit card transactions, or only certain Visa credit cards, e.g., Visa Infinite)
The maximum merchant surcharge for any transaction is 2.4%

Merchant surcharges are not permitted on Visa debit, prepaid card transactions or Amex cards.

As a marketing website for both First Data and Globe Payments we can get this done for you. Enjoy free credit card processing with surcharging. Accept credit cards at 0% cost to you

Visa, Mastercard plan to hike credit-card fees

Aug 30 (Reuters) – Global payments processors Visa (V.N) and Mastercard (MA.N) are planning to increase fees that many merchants pay when they accept customers’ credit cards, the Wall Street Journal reported on Wednesday.

The fee increases are scheduled to start in October and April, according to the report, which cited people familiar with the matter and documents viewed by the WSJ.

Many of the fee increases are for online purchases, the WSJ said.
Visa and Mastercard did not immediately respond to Reuters’ requests for comment.

An interchange fee is the charge a merchant pays to the card-issuing bank every time a consumer swipes their card. Increases in fees merchants pay to card issuers are typically passed on to consumers, regulators have previously said.
Mastercard shares were up 1.3%, while Visa was up 1.1%.

https://www.reuters.com/business/finance/visa-mastercard-plan-hike-credit-card-fees-wsj-2023-08-30/

No fraudulent purchases

Fraud; Deceit; Trickery, An Imposter, a Cheat. To put it lightly, not a nice person.

If you’ve ever been a victim of fraud, you’re not alone. I had my bank account emptied right before Christmas one year when my daughter was little- I eventually got it back, but if it wasn’t for my mom still being around to lend me the money while I waited, I would have had to explain to my 5-year-old daughter that Santa wasn’t coming until mid-February. I’m sure that would have gone over well!

According to the RCMP website, with the increase in online activity due to the pandemic, “Last year was a historic year for financial losses reported to the Canadian Anti-Fraud Centre (CAFC). Based on reports to the CAFC, $379 million were lost to scams and fraud in 2021, which was an increase of 130% compared to 2020.”

Nochargebacks.ca provides an online gateway or payment gateway, giving you and your customers peace of mind. With a nochargebacks.ca payment gateway, your clientele can spend money on their credit cards all around the world, and you receive payment within hours instead of having to wait 6 to 8 weeks to see reimbursement in your account.

With nochargebacks.ca, there is no more worrying about fraudulent purchases or having to refund your customers.

More at nochargebacks.ca

High risk merchant services

Credit Card Processing For High Risk Merchants

Being guaranteed merchant account approval is difficult enough when your customers aren’t looking to gamble, look at scantily-clad women or buy Cannabidiol (cbd) oil for anxiety. It’s ironic isn’t it? By far the most lucrative and popular products on the market are the ones that are the most difficult to sell for anything but cold, hard cash. But as these ‘questionable’ hobbies and substances are regulated and become legal and taxable, the surrounding economies have done nothing but flourish. The citizens don’t go crazy smoking pot, gambling and buying porn- quite the opposite in fact. Regulation and funding from taxes even create resources and help for people with problematic habits. So, why is it STILL so difficult to obtain credit card processing for high risk merchants? We think it’s ridiculous that these lucrative entrepreneurs are being considered ‘high risk merchants’ at all, so you are more than welcome to come to us for your high risk payment processing solutions!

Are You Considered a High Risk Merchant?

Gaming Businesses

Online casinos, free online casino slot games, online sports/betting and poker sites, mobile and online gaming sites are high-risk for the merchant account providers because it is essentially paramount to gambling itself, even for the best online casino. Between high turnover, offshore accounts and the potential for money laundering and a high risk of insolvency, the high-risk processing increases liability on the part of the processor.

Adult Entertainment

Pornhub, Redtube and XXX sites might be the norm in some places, but nudity isn’t allowed in every part of the world. The legality isn’t the only issue these particular companies might face. Even where good old consensual adult naked playtime is perfectly above board, some credit card processing providers don’t feel comfortable being associated with the taboo. Some people believe that what goes on behind closed doors should stay there, and they want no part in letting people spend their hard earned money watching amateur porn, no matter how much revenue it brings in.

Medical Marijuana

The benefits of medical marijuana and Cannabidiol (cbd) oil for pain and anxiety are without question, with little or none of the side effects of the endless dangerous pills being pushed by doctors and the pharmaceutical industry. Cannabis, however, isn’t legal in every country, state, or city. Hemp makes paper and fabric; it has absolutely no effect on the brain or body, but even companies that specialize in that alone are having a hard time finding guaranteed merchant account approval. Even in areas where marijuana has been legalized, merchants are finding that financial institutions are still refusing to provide credit card processing services. Intellectual property problems, brand protection and high taxes, increasing the risk of the business itself, are additional deterrents to financial institutions.

Subscription Services

Subscription services attract merchant providers because they charge the customer at regular intervals. They can be problematic when customers have a number of subscriptions at one time, forgetting about a few and later demanding refunds. They may have the opportunity to call the credit card company, challenging the subscription to get their money back.

We understand what it means to provide credit card processing for high risk merchants, and we will do everything in our power to give you the opportunity to expand your business model to include merchant services. Everyone deserves access to the products and services they want and need the most for their health, entertainment, convenience and sanity, and you deserve the opportunity to provide them. Contact us for the greatest chance at guaranteed merchant account approval for your high risk merchant account. Apply Here

Amex Rate 1.9% and pays next day 1.19% Visa Merchant Canada

After years of AMEX Rates in Canada of 3.5% for processing their credit card by a merchant, Now in 2018 Amex is 1.9% and pays out in 24 hours, not 7 days. No longer administered by AMEX. Also VISA at 1.19% Visa merchant credit card processing rate Canada

QUAL RATE: 1.19% Visa / Mastercard

QUAL RATE: 1.9% Visa / AMEX
NON-QUAL: 0.04%
DEBIT: $0.04
MONTHLY FEE: $5.00

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Samples Of Amount Of Money You Will Save on VISA Fees

Visa MasterCard Rates canada
Based on $10,000 – Based On $20,000, $50,000

As above our rates are 1.19% Visa

Our Non-Qual Surcharge is 0.04%

There are no swipe fee— or any other monthly hidden fees

Total Monthly Savings
$70.00

Total Annual Savings
$840.03

Savings Over 4 Years
$3,360.12

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Non Qualified Cards Canadian Cost Per Card

This a copy of credit card rates for the cost of a merchant to accept a payment. It is not correct as this info changes weekly. What it does show that every “non-Qualy Card” has it own costs. Which bank processes the card make no difference in these pre-set costs. However these banks may add their own fees on top

From CFIB website

Currently, understanding which Canadian credit cards can carry premium rates is very challenging for smaller merchants. While both VISA and MasterCard post their interchange rates on their website, information on which cards carry the different rates is difficult to access and understand. Following discussions with CFIB, MasterCard recently posted a list of cards with their associated rate categories on its website. VISA provided CFIB with its rate categories by card and is in the process of posting the information on its site. This chart is designed to allow merchants, employees and customers to understand which cards carry regular or premium rates. While the rate categories should be common to most processors (e.g. Moneris, Global, Chase Paymentech), the merchant fee examples given below are based on preferred total merchant rates for CFIB members with Chase Paymentech and may differ based on the card processor or specific agreement.

Note: While merchants are allowed to suggest customers use lower cost forms of payment, they are not permitted to surcharge or refuse higher cost cards if they accept that brand.

MasterCards noted with a (3) have a “high spend” feature that means merchant fees will escalate to a higher level once a consumer meets the spending or income requirements and consents to the card. Currently, there is no way for a merchant to know by looking at the card whether it will carry regular or high rates. CFIB refers to these cards as “variably high” cards and has asked MasterCard to replace them with separately branded cards. MasterCards with a (5) are in the World/World Elite category which typically carries very high merchant fees. Some such cards may also be in the regular or high category. CFIB has asked MasterCard to ensure all its cards are seperately branded to allow merchants to understand their rate categories. (*) All merchant fee examples are based on: • Fully authorized, electronic transactions where the card is present and the magnetic stripe or chip is read. • Regular merchant rates for smaller retailers (not supermarket or petroleum retailers). • The low rates under the Chase Paymentech program for members of CFIB. These rates are given as an example only and are subject to change and will differ for those using other card processors. Credit card companies and banks frequently change card names/fee structures and issue new card brands. Please visit www.cfib.ca/debitcredit for the most recent version of this document or call CFIB’s Business Resources for more information at: 1 888 234-2232.

Legal Notice: This publication and its contents are for the members of the Canadian Federation of Independent Business (“CFIB”) only, and are not intended for any other recipient. The contents of this publication are for informational purposes and the CFIB does not warrant the accuracy, currency or suitability of any of the information provided herein. Before acting on the basis of any information contained in this publication, please seek the advice of your professional advisors.