Compare your processor.
Find your next setup.
Already with Clover, Square, Moneris or another provider? Compare the structure behind the price, then ask KYMPAY for a setup based on how your business actually sells.
KYMPAY sells merchant services and Clover hardware. This is our comparison framework, not a paid ranking or a claim that one provider is best for everyone. Provider details link to official sources; current written terms control. Updated .
Ask every provider the same questions.
A headline rate is not a complete offer. Use one statement period and keep your sales channels, transaction count, hardware and software requirements the same.
Calculate your current effective rate- What are the complete credit, Interac and online charges?
- Which account, software and gateway fees recur?
- Who owns the hardware, and what happens at the end of the term?
- Who supports the POS, integration and payment account?
- What are the funding, renewal and cancellation conditions?
Canadian payment-provider comparison
Read the provider guide for detail. The final column gives the question to resolve in your own proposal; it is not a provider score.
| Provider & guide | Pricing structure | What to check in your quote |
|---|---|---|
| Clover Countertop and portable POS, including Flex and Station Duo. Official source | Configured hardware, software and processing quote | Which partner supplies the agreement, what are the software costs, and can the device move if processing changes? |
| Square Integrated payments, POS and online selling. Official source | Published channel-based rates; custom offers may differ | Separate credit, Interac, online and manual-entry volume; include paid software and international cards. |
| Moneris Canadian payment devices, POS and ecommerce services. Official source | Flat-rate and interchange-plus options | Which pricing option, terminal, software and incidental fees are included in this particular offer? |
| Stripe Online checkout, developer integrations and Terminal payments. Official source | Published payment rates plus product-specific charges | Price Billing, Connect, fraud tools, conversion and disputes separately from basic Payments. |
| Helcim In-person and online payment tools with a published processor margin. Official source | Interchange plus with volume tiers | Compare the correct volume tier, card costs, Interac treatment and device purchase. |
| Elavon Canadian small-business terminals and ecommerce payment services. Official source | Offer and channel-specific merchant-services quote | Name the sales channel, gateway, equipment agreement and support party in writing. |
| Global Payments In-person, online and software-integrated Canadian payments. Official source | Pricing tailored to payment channels and requirements | Identify platform integrations, recurring charges, settlement conditions and device responsibilities. |
| Chase Payment Solutions Merchant accounts and in-store, mobile and online payment solutions. Official source | Canadian merchant-services proposal | Match the current Chase agreement and device to the proposal, including any older Chase Merchant Services name. |
| TD Merchant Solutions Canadian bank-distributed in-person, mobile and online acceptance. Official source | Configured TD and Clover payment solutions | Separate the bank account, processing agreement, Clover plan and hardware commitments. |
| PayPal Business checkout and commercial payment acceptance. Official source | Transaction-type and currency-specific commercial fees | Choose the correct Canadian fee category and include cross-border, conversion, refund and dispute conditions. |
| Shopify Payments and POS A shared retail and online commerce platform. Official source | Plan-dependent platform and payment pricing | Include the store plan, POS Pro locations, hardware and any third-party transaction fee. |
| Clearly Payments Canadian merchant accounts and payment processing. Official source | Cost-plus / interchange-plus proposals | Separate card-network costs from processor markup and compare every recurring service in the written quote. |
| Lightspeed Payments Payments connected to Lightspeed's commerce software. Official source | POS subscription and payment terms | Use Canadian fee disclosures and the correct POS product; a US-dollar software price is not a Canadian payment quote. |
| Adyen Payment infrastructure with Canadian merchant disclosures. Official source | Processing fee plus payment-method pricing | Confirm supported methods, integration work, currencies and settlement for the Canadian contracting entity. |
| Nuvei Canadian acquiring and online payment infrastructure. Official source | Business and integration-specific proposal | Confirm the Canadian acquiring arrangement, methods, integration and risk or reserve terms for your business. |
The same comparison works for smaller companies.
A statement may show a reseller, bank, gateway or software brand. Identify the contracting companies and merchant account first, then compare charges and service responsibilities.
You do not need your provider to be in this table to speak with KYMPAY. Bring your current statement and the equipment or software you need. We can assess a proposed KYMPAY setup against those requirements.
Read your merchant statement or use the Canadian processor switching checklist.
Build around the way your business actually takes payments.
Choose your setup and complete the guided application. Your pricing, hardware eligibility and terms are confirmed before you sign. Savings depend on your existing costs and the final offer.
Start with KYMPAY