Merchant Accounts.ca

Accept and manage card payments across online, phone, invoice, and recurring channels, with global currency support and tools to help control processing costs.

Accept payments in customers’ currencies, choose how funds are settled, and assess ways to optimize international processing costs.

Collect invoice payments online through a website or hosted page, with secure card handling, transaction notifications, and emailed customer receipts.

Add Buy Now buttons to a website to accept online payments without building a full shopping cart.

Identify ways to reduce international payment costs and improve transaction approvals through analysis of processing arrangements.

Accept payments through countertop or wireless POS options while helping lower day-to-day merchant operating costs.

Enable partners to offer integrated payment processing and earn recurring revenue without managing payment operations or merchant funds.

Estimate Canadian card-processing costs, understand effective discount rates, and assess potential savings from interchange and processing fees.

Capabilities that enable acceptance, routing, and settlement of online card and alternative payments across jurisdictions.

Products: Credit card processing, EasyCheckout, EasyInvoice

Capabilities to process multi-currency and cross-border transactions with settlement support and compliance controls for global merchants.

Products: Multi-Currency Processing, Credit card processing

Capabilities that analyze merchant statements, benchmark interchange and fees, identify errors and savings opportunities, and optimize processor relationships to reduce card-processing costs.

Products: Interchange optimization, Canadian Interchange and Processing Fees Calculator, Multi-Currency Processing

API-first payment integrations, automated sub-merchant onboarding, white-labeled dashboards, revenue-sharing models, and provider routing for software platforms and marketplaces to embed payments without a PayFac license.

Products: Mini-Processor program

Point-of-sale acceptance with NFC-enabled terminals and unified device management for retail and field environments.

Products: POS payment solutions

Credit card processing

A credit card processing service for Canadian and international businesses that includes a merchant account and payment gateway. Merchants can accept payments online, by phone through a browser-based virtual terminal, through online invoices and Buy Now buttons, and with recurring billing. The service supports a wide range of card brands, more than 200 payment currencies, payment administration and reporting, and integration with compatible shopping carts or custom systems. Merchants can use internet-connected computers, tablets, or smartphones without dedicated terminal hardware. Security features and payment-server card handling help reduce merchant contact with cardholder data.

Category: Payment Processing Services

• Get Account And Gateway Access
  Receive the merchant account and payment gateway components needed to accept and submit credit card transactions through the service.
• Reduce Card Data Touchpoints
  Choose a collection flow that keeps card numbers on the provider's systems to reduce merchant contact with sensitive cardholder data and the PCI compliance scope of the project. Transaction references support later lookup or refunds without requiring merchants to retain card numbers.
• Accept Major Card Brands
  Give customers multiple ways to pay by supporting major credit and debit card brands, including Visa and Mastercard, American Express, China UnionPay and listed European cards.
• Process Payments In Multiple Currencies
  Accept payments from customers around the world in supported currencies and receive deposits directly in the currency of your choice.
• Connect Existing Payment Systems
  Choose from compatible shopping carts and gateway platforms or build a custom integration. Supported options include API, redirect and overlay methods, and merchants with a compatible preferred gateway can continue using it.
• Screen Transactions For Fraud
  Use listed verification and screening tools, including AVS, CVV, velocity and geographic IP checks, as well as supported cardholder authentication features.
• Bill Repeat Customers Securely
  Use tokenized card storage to automate scheduled charges or process later one-off payments while reducing merchant touchpoints with cardholder data.
• Optimize Payment Processing Costs
  Review how your business processes payments to identify cost optimization opportunities. The service lists lower rates for large or high-volume merchants and a charity rate for non-profit organizations.
• Collect Payments Across Channels
  Accept payments through a website, by phone and other card-not-present channels, through online invoices and Buy Now buttons, and through recurring billing. Use existing connected devices without dedicated terminal hardware.
• Manage Payments And Reports
  Use one online dashboard to handle refunds, transactions, repeat customer billing, statements and reports, including customized reports for import into an accounting platform.
• Get Dedicated Setup Support
  Work with a dedicated account manager who guides the setup process and serves as a central point of contact for assistance.
• Collect Invoice Payments Online
  Start collecting payments through online invoices without programming or an additional charge for the invoice payment option.
• Hold Funds Before Collection
  Reserve funds on a customer's card without immediately collecting them, for use when confirming inventory, preparing an order or handling bookings and reservations.
• Start Without An Account Opening Fee
  Apply online without an account opening fee, and retain the option to cancel at any time.
• Give Teams Controlled Terminal Access
  Allow multiple employees and locations to use the terminal, with permission levels to control access.
• Send Customers Email Receipts
  Include the customer’s email address and order information when submitting a transaction to send an email receipt automatically.

Multi-Currency Processing

A cross-border payment processing service that lets businesses accept credit card payments in currencies from around the world. Merchant-Accounts.ca supports more than 200 payment currencies and offers settlement in foreign currencies or a single base currency. Its international banking network and interchange optimization expertise help businesses evaluate processing arrangements, settlement currencies, and cross-border costs based on their specific requirements.

Category: Payment Processing Services

• Accept Payments In 200+ Currencies
  Accept payments in a broad range of currencies, including major and less common currencies, to support sales to customers around the world.
• Reduce International Processing Costs
  Use an analysis of customer locations, currencies, and processing arrangements to identify potential reductions in interchange, cross-border, and foreign-exchange costs.
• Choose Your Settlement Currency
  Select foreign-currency settlement or a single base currency to suit your business. Receiving funds in the processing currency can avoid currency conversion fees.
• Access International Acquiring Options
  Explore processing arrangements across countries through the provider’s international banking network, with account options tailored to the business’s specific needs.
• Charge Customers In Local Currencies
  Let international customers see and pay in a familiar currency, which the website says can build confidence and improve sales conversions.
• Increase International Authorizations
  Review international processing arrangements to address cross-border factors associated with declines and improve the number of approved transactions.
• Avoid Additional Multi-Currency Fees
  Process payments in multiple currencies without additional fees for using multiple processing currencies, according to the company.

EasyInvoice

EasyInvoice is an online payment collection page that lets businesses accept credit card payments for invoices. Merchants can add a payment page to their website using a code generator or have Merchant-Accounts.ca create and host one at no extra charge. Customers submit their contact details, payment amount, and invoice or reference number. The payment gateway handles sensitive card information, while merchants receive transaction notifications and customers receive emailed receipts. An online dashboard supports refunds, reports, and subsequent billing of repeat customers.

• Collect Invoice Payments Online
  Give customers an online way to pay an invoice by entering the amount and invoice or reference number along with their contact details.
• Add Or Host A Payment Page
  Choose whether to add the invoice payment page to your own website or have Merchant-Accounts.ca create and host it for you.
• Keep Card Data Off Your Systems
  Sensitive card information is collected by the secure payment gateway, not provided to the merchant. Merchants receive transaction details without sensitive cardholder data.
• Notify Merchants And Email Receipts
  Receive an email with transaction details when a payment arrives, while the customer receives an emailed receipt.
• Manage Refunds Reports And Repeat Billing
  Use the online dashboard to handle refunds, access reports, and bill customers again after an initial payment.
• Create A Payment Page At No Charge
  Use EasyInvoice without an additional charge as a Merchant Accounts.ca customer. Generate code for a page on your website or ask Merchant-Accounts.ca to create and host one for free.
• Process Phone Orders With A Virtual Terminal
  In addition to invoice payments, customers can process credit card payments for phone orders using the virtual terminal included for Merchant Accounts.ca customers.

EasyCheckout

EasyCheckout lets Merchant Accounts.ca customers create Buy Now buttons for placement anywhere on their websites. A form generator produces code merchants can copy into their pages, with settings for product options, tax, shipping, transaction type, and test mode. Customers enter card details on the secure payment server, so merchants do not touch, see, or store card numbers. The service is free for Merchant Accounts.ca customers and requires a merchant account. It is intended as a simple way for merchants selling a small number of products to begin accepting online payments.

• Add Buy Now Buttons
  Generate button code and place it on product pages to let customers begin a purchase directly from the merchant’s website.
• Keep Card Numbers Offsite
  Route customers to the secure payment server to enter card details, keeping credit card numbers out of the merchant’s hands and website.
• Use It At No Charge
  Merchant Accounts.ca customers can use EasyCheckout without a separate charge, subject to the stated usage terms and the requirement for a merchant account.
• Start Selling Online Quickly
  Generate and add button code to a website without setting up a full shopping cart, for businesses selling a small number of products.
• Notify Both Parties
  Provide the merchant and customer with an email notification as soon as a payment is received.
• Offer Product Choices
  Let customers select available product choices, such as colors, as part of the purchase.
• Choose Transaction Types
  Select whether the button processes a sale or a pre-authorization transaction.
• Match Your Website Design
  Customize the payment server page to match the website’s design so the payment experience is visually consistent.
• Set Provincial Tax Rates
  Configure tax rates for customers in the provinces listed in the button setup form.
• Configure Shipping Costs
  Set province-specific shipping rates and choose whether shipping costs are calculated per item or as a flat rate.
• Test Button Settings
  Use the test mode setting when configuring buttons before using live transactions.

Interchange optimization

Interchange optimization reviews how a business collects and routes payments, including where its customers are located and which processing and settlement currencies it uses. Merchant-Accounts.ca uses its network of international bank partners and processing platforms to identify arrangements that may reduce interchange costs, cross-border fees, and foreign exchange costs, and improve transaction approvals. Depending on the business, this can involve one or multiple merchant accounts in different countries. Domestic processing in a foreign region may require a business presence there, and potential savings depend on the business’s circumstances and transaction volume.

• Route Transactions More Efficiently
  Intelligent transaction routing can help businesses with significant international sales reduce processing costs by aligning processing arrangements with customer locations.
• Reduce Interchange Costs
  Reviews processing arrangements to find opportunities to lower interchange costs, particularly for businesses processing a significant volume of international transactions.
• Reduce Cross-Border Fees
  By assessing customer locations and processing options, the service can identify opportunities to avoid cross-border fees on international sales where the business and processing arrangements meet regional requirements.
• Access Regional Processing Options
  A network of international bank partners enables the service to consider processing platforms in different regions, including domestic merchant accounts where the business meets local requirements.
• Improve Transaction Approvals
  Optimizing international processing arrangements can reduce declines from foreign card issuing banks and increase the number of approved transactions.
• Identify Currency Conversion Savings
  Evaluates settlement currencies and related foreign exchange costs to identify opportunities to reduce the expense of converting funds.
• Help Customers Avoid International Fees
  When transactions can be processed domestically in the customer’s region, cardholders avoid international transaction fees from their issuing bank, supporting a better payment experience.
• Reduce Cross-Border Complaints
  Optimized international processing can result in fewer customer complaints related to cross-border payment issues.

POS payment solutions

Merchant Accounts.ca provides POS payment solutions for businesses that need a traditional countertop or retail payment system. The offering includes countertop and wireless POS payment options, described as reliable and secure, with the aim of lowering day-to-day merchant operating costs.

Category: Payment Processing Services

• Accept Payments At The Counter
  Businesses can use a traditional countertop POS payment system to accept payments in a retail setting.
• Process Payments Reliably And Securely
  The POS solutions are presented as reliable and secure options for businesses using traditional countertop or wireless payment systems.
• Lower Day-To-Day Operating Costs
  The solutions are designed to help businesses lower their day-to-day merchant operating costs.
• Accept Payments Wirelessly
  Businesses can use wireless POS payment options as an alternative to a traditional countertop setup.

Mini-Processor program

The Mini-Processor program enables e-commerce software providers and service businesses, including web development agencies, to offer payment processing as part of their own service or software. Partners can refer merchants by email or API, choose how to brand the offering, and optionally integrate transaction information into their systems. Merchant-Accounts.ca handles merchant setup, transaction processing, funding, maintenance, servicing, and support. Partners do not handle merchant funds or take on chargeback liability, and can earn 50% of net processing revenue from referred accounts for as long as those accounts process on the platform.

• Embed Payments In Your Offering
  Include payment processing within your software or services, creating a more integrated offering for your customers.
• Earn 50% Of Ongoing Net Revenue
  Receive 50% of net processing revenue each month for every referred account that continues processing on the platform.
• Leave Payment Operations To Our Team
  Rely on Merchant-Accounts.ca to manage account setup, processing, funding, maintenance, support, and servicing so you can focus on your business.
• Avoid Handling Funds And Chargeback Liability
  Offer payment processing without handling merchant money or taking on chargeback liability; the merchant and payment processor manage the financial aspects directly.
• Refer Merchants By Email Or API
  Choose a straightforward email referral or connect through the API to pass merchant information into the onboarding process.
• Choose Your Preferred Brand Presentation
  Present the service under your own brand, as a co-branded partnership, or with Merchant-Accounts.ca identified as the provider.
• Offer Customized Client Pricing
  Provide clients with customized processing quotes, including the possibility of lower rates for merchants with higher transaction volumes.
• Launch With Minimal Overhead
  Start offering payment processing without overhead costs, with a process designed to reduce complexity and technical effort and potentially go live within several days.
• Integrate Transaction And Funding Status
  Add transaction information, including order or funding status, to your system to connect payment activity with your software or service.

Canadian Interchange and Processing Fees Calculator

An online calculator for Canadian merchants to examine credit card interchange and processing costs. It presents Visa and Mastercard interchange rates by card type, along with card brand fees, effective rates, and total fees. Merchants can select a transaction channel, enter an interchange-plus markup, and review totals such as sales volume, average discount rate, and processing fees. The calculator also includes options for special interchange programs and supports assessing current pricing and potential savings.

• Review Card-Level Fee Details
  See how interchange rates and card brand fees contribute to the effective rate and total fees across the listed Visa and Mastercard card types.
• Calculate Overall Processing Costs
  Use the calculator's overall totals to assess processing fees and average discount rate in relation to sales volume.
• Examine Special Rate Programs
  Check the listed interchange program options that may apply to a transaction, including small merchant, 3DSecure, recurring payment, tokenization, and Visa DCAP programs.
• Compare Costs By Transaction Type
  Review fees in the context of the selected transaction channel and interchange-plus markup to assess processing costs for the way your business accepts payments.
• Assess Fees And Potential Savings
  Use the fee analysis to understand current processing costs, then request a statement review for a cost comparison and assessment of potential savings.
• Access Card Brand Rate Tables
  Consult the linked Visa and Mastercard interchange tables as references for the rate information used to understand interchange costs.