Payment Processing At The Right Price

There's no single number. Every card sale starts with interchange — a wholesale fee set by the card networks that varies by card type — and the processor adds its markup on top. Left unchecked, banks charge small businesses 2–3x the true cost. We don't publish a rate table because a generic figure would mislead you; the 15-minute demo works out your real effective rate from your own statement.

Instead of selling you one bank's product, a broker puts major Canadian banks and processors in competition for your volume and negotiates the winning offer line by line. SimplyPay has done exactly that for SMEs since 2014, in English and French. Clients save 30–40% on average — and you sign with the processor that earned your business, not the one that reached you first.

Switching is our specialty, and we plan it so your counter keeps working. New terminals arrive within 48 hours and can accept card payments the same day they're set up. We walk you through the change step by step, so you're never left unable to get paid.

Terms depend on the processor that wins your business, so we never quote them blind. In the 15-minute demo we show you the exact offers on the table — including the commitment each one asks for — before you sign anything. You decide with the full picture in front of you.

No — payment processing and your bank account are separate things. We broker the processing side: who handles your card sales and what they charge. Your business account stays wherever you bank today. If anything in your setup is unusual, the 15-minute demo is the place to check.

We review a recent statement, show what you're actually paying, then estimate what competing processors would offer. Clients save 30–40% on average, but your exact numbers depend on volume — the demo shows them. It takes 15 minutes, with no obligation.