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Canadian merchant account providers

Canadian merchant account providers

Selecting the best Canadian merchant account service provider for your company can be just as tricky as discovering a credit card processor based in the United States. The Canadian government might put tighter constraints on its bank card processors, yet sellers still need to take care to avoid surprise cost scams, deceptive rate quotes, and also bad customer service. Fortunately is that there are some wonderful service providers locateded in Canada, as well as lots of American cpus can also give vendor solutions for Canadian sellers. With the possible exception of higher customer support accessibility, there isn’t necessarily an advantage to utilizing a Canadian company over an American business. Service providers in both countries make use of Visa as well as MasterCard’s handling networks, which are available across the globe.

Canadian merchant account providers

To assist you find a top quality processor, we have actually assembled the adhering to checklist of the most effective seller represent Canadian companies. The business on this checklist can serving both Canadian and American businesses, however only several of them are headquartered in Canada. Much more importantly, they are all understood to offer reasonable, clear prices and useful consumer support to sellers. Each provider has various specialties and also seller types that they are incapable to service, so it’s finest to get in touch with several service providers on this listing to contrast prices and solutions.

Based in Calgary, Alberta, Helcim has been providing traditional credit card processing, mobile payment solutions, virtual terminals, and online payment gateways since 2009. The company is rare among merchant services providers in that it fully discloses its pricing on its website for anyone to view. Helcim uses interchange-plus pricing, which adds a flat markup of .18% on all card-present transactions (while a rate of .36% is applied to virtual terminal and online transactions).

Helcim also does not charge monthly minimum fees, statement fees, application fees, or PCI compliance fees, and it rents terminals out for a monthly rate rather than tying merchants into long-term equipment leases. The company offers month-to-month contracts and does not charge early termination fees. Helcim offers 24/7 support for merchants and has numerous positive testimonials across the internet, including in the comment section of our “A+” review. Helcim also maintains an “A+” rating with the BBB.


Headquartered in Delta, British Columbia, NXGEN Canada is an all-around merchant account provider that is capable of serving most Canadian business types. The company’s products and services include countertop POS solutions (including EMV acceptance), wireless terminals, mobile phone processing, online payment processing, support for multiple currencies, electronic gift cards, and sales reporting. In addition to serving retail, mobile, and e-commerce business types, NXGEN provides specialized solutions for the automotive, property management, non-profit, hospitality, B2G, and restaurant industries.

NXGEN’s standard contract terms include interchange-plus pricing and no early termination fees, but the company is also capable of customizing its pricing terms according to each merchant’s needs. NXGEN has received nearly zero public complaints in the decade that it has been active, and the company offers live phone support to all of its merchants. Our review of NXGEN Canada gives the company an “A” rating at this time, and the Better Business Bureau also gives NXGEN an “A.”


Commercial Merchant Services is an Atlanta, Georgia-based credit card provider that is capable of serving both standard-risk and high-risk Canadian business types. Easy Pay Direct’s payment solutions include an online virtual terminal, a virtual terminal, ACH processing, email invoicing, automated recurring billing, an online shopping cart, and mobile phone processing. The company’s PC-based virtual terminal is capable of accepting swiped payments via a USB card reader, while its proprietary payment gateway can cycle online transactions through multiple processing banks in order to avoid a declined payment.

Commercial Merchant Services is capable of offering interchange-plus pricing and does not charge early termination fees to its standard-risk and domestic merchants. The company enjoys a clean complaint record across all consumer protection websites at this time and provides live customer support to its merchants. CardPaymentOptions.ccurrently assigns Easy Pay Direct an “A” rating, while the BBB gives the company an “+A.”

For more information, see the Commercial Merchant Services or call (1-866)223-0190.