Interchange-plus
IC + 0.20%A starting processor markup above interchange. Your card mix and applicable network or other charges affect the total. Final markup varies by industry and risk profile.
Request my proposalCLEAR SCOPE. COMPLETE COSTS.
A proposal you can understand before you commit.
Choose standalone services or ask about GrowthPass. We show processing, equipment, service delivery, and recurring costs separately so you can compare the complete arrangement.
PROCESSING PRICING
Choose how you pay for payments.
Flat rate
2.75% + 15¢Per eligible transaction. Discuss your online, invoice, or in-person requirements; the agreement confirms supported transactions, exceptions, and other charges.
Request my proposalCredit surcharge
Up to 2.4%An eligible customer-paid credit-card surcharge, subject to actual acceptance cost, network rules, disclosure, and provincial restrictions. Not available in Quebec. Debit and other business costs remain.
Request my proposalIndicative pricing for qualified accounts; the merchant agreement confirms rates, fees, and eligibility. A surcharge is not a promise of zero total cost. Canadian surcharge guidance ↗
GROWTHPASS MEMBERSHIP
Everyday sales. Extra room to grow.
Choose a growth benefit with an eligible processing account. Website builds are a one-time benefit; social allowances follow the period shown.
Launch
Under $10,000 / monthin monthly card sales · CAD
- Website path: 1-page website$50/month hosting on the website path
- OR social path: One month of social content
- OR AI path: Business AI assistant setup
- Branded review QR card
Choose a starter website, a month of social content, or AI setup.
Explore LaunchGrow
$10,000–under $50,000 / monthin monthly card sales · CAD
- Website path: 5-page websiteHosting included while eligible
- OR social path: 8 social posts / month
- With the social path: AI assistant setup with the social path
- Branded review QR card
Choose the website path or recurring social content with AI setup.
Explore GrowScale
$50,000+ / monthin monthly card sales · CAD
- Website path: 7-page websiteHosting included while eligible
- OR social path: 12 social posts / month
- With the social path: AI assistant setup with the social path
- Branded review QR card
Choose the larger website path or recurring social content with AI setup.
Explore ScaleQualification and an active eligible processing relationship required. Hardware is separately qualified. Taxes, paid advertising, domains, third-party AI subscriptions, ecommerce, and custom integrations are extra unless included in your written offer. Read the benefit details and conditions →
01
Four parts of the investment.
Each quote should explain what you receive, what you pay, and what continues after the initial setup.
Payment processing
Your provider proposal identifies the pricing model, applicable transaction charges, fixed fees, and commercial terms. Your actual mix of transactions informs the comparison.
Hardware & installation
Devices, accessories, purchase or rental terms, software plans, connectivity, configuration, and staff training are itemised as relevant. Any subsidy has its own conditions.
Website & marketing services
The scope defines pages, functionality, content responsibilities, revisions, platforms, output quantities, reporting, and delivery milestones. Additional work requires an agreed scope.
Ongoing costs
Hosting, subscriptions, maintenance, advertising spend, renewals, and other recurring costs are identified. Taxes and any exclusions are stated in the proposal.
02
Choose the commercial path that fits.
You do not need to purchase every service to work with us.
Standalone services
Request a website project, a marketing programme, or a POS implementation on its own. The quote covers that service and its dependencies.
GrowthPass assessment
Ask whether an eligible processing arrangement can fund a defined growth benefit. Compare the full proposal, including benefit conditions and costs outside the allowance.
Multi-location scope
Review locations together while identifying differences in equipment, software, content, delivery, and support. Expansion costs should be visible before rollout.
03
Bring these questions to your proposal review.
A clear agreement helps both teams deliver the work you expect.
What is included?
Named deliverables, quantities, milestones, revisions, training, and acceptance criteria. Confirm which responsibilities belong to your team.
What changes the price?
Additional pages, content production, extra devices, premium integrations, advertising spend, and changes to the agreed project.
What happens later?
Recurring fees, renewal, cancellation, equipment return, ownership, access, and any changes to GrowthPass benefits.
INTERACTIVE COST WORKSHEET
Compare two sets of numbers.
All starting values are hypothetical examples, not StartupCanada rates or an offer. Enter the same sales assumptions for both scenarios. No information is submitted or saved.
Scenario A
Monthly recurring estimate$860First year including setup: $10,320
Scenario B
Monthly recurring estimate$830First year including setup: $10,560
Scenario A is $240 lower over the first year with these inputs.
Formula: sales × percentage + transactions × transaction fee + monthly fixed costs. First year = 12 months + one-time costs. Excludes taxes and any charges you have not entered. For interchange-plus, use an estimated effective all-in percentage, not the processor markup alone. This simplified model does not predict card mix or future savings.
Useful answers.
Are the published rates final for my business?
The displayed processing prices are indicative for qualified accounts. Your provider agreement confirms the final markup, eligible transaction types, additional charges, and commercial terms.
Can I compare my existing payment costs?
Yes. Use the cost worksheet as a starting point and request a review. Its examples are hypothetical, not an offered rate or guaranteed saving.