Compare Payment Processors
See how PaymentsPlus stacks up against other popular payment processors in Canada. Make an informed decision for your business.
Detailed Comparisons
In-depth analysis of how PaymentsPlus compares to specific competitors
PaymentsPlus vs Moneris
Escape long contracts and tiered pricing
Read comparisonPaymentsPlus vs Square
Graduate from flat-rate to real savings
Read comparisonPaymentsPlus vs Helcim
Custom markup and hardware options
Read comparisonClover Through PaymentsPlus
Same Clover hardware, free placement, better rates
Read comparisonPaymentsPlus vs Stripe
Save big on debit and in-person sales
Read comparisonPaymentsPlus vs TD
Your bank isn't always the best deal
Read comparisonPaymentsPlus vs Desjardins
Better rates beyond the caisse populaire
Read comparisonPaymentsPlus vs Lightspeed
Processing without the POS subscription
Read comparisonPaymentsPlus vs Chase
SMB-friendly rates without enterprise red tape
Read comparisonAt a Glance
Payment Solutions
Best for:
All business sizes
Aggregator
Best for:
Very small businesses
Aggregator
Best for:
Online-only businesses
Bank Processor
Best for:
Established businesses
Independent ISO
Best for:
Mid-size businesses
POS Platform
Best for:
POS-focused businesses
Bank Processor
Best for:
TD banking clients
Bank Processor
Best for:
Quebec businesses
POS Platform
Best for:
Retail & restaurants
Bank Processor
Best for:
Enterprise ($500k+/mo)
Feature Comparison
Compare the features that matter most to your business
| Feature | PaymentsPlus | Square | Stripe | Moneris | Helcim | Clover | TD | Desjardins | Lightspeed | Chase |
|---|---|---|---|---|---|---|---|---|---|---|
| Interchange-Plus Pricing | Yes | No | No | No | Yes | No | No | No | No | Yes |
| Hardware Placement Options | Yes | No | No | No | No | No | No | No | No | No |
| Next-Day Funding | Yes | Yes | Yes | Yes | Yes | No | No | No | No | No |
| Canadian Support Team | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No |
Compiled from each provider's publicly published pricing and support documentation, accurate as of August 2026. Providers change their terms, and what any one merchant is offered can differ from published rates. Confirm current terms directly with the provider before deciding.
Detailed Breakdown
Aggregator
Pricing
2.65% flat
Monthly Fee
$0
Contract
None
Equipment
Purchase ($49-799)
Funding
Next business day
Support
Phone, email & chat
Best for: Very small businesses
Aggregator
Pricing
2.9% + $0.30
Monthly Fee
$0
Contract
None
Equipment
Purchase (Stripe Terminal)
Funding
2 days standard; next-day available
Support
Email & chat
Best for: Online-only businesses
Bank Processor
Pricing
Tiered (2.5-3.5%)
Monthly Fee
$25-50
Contract
3-5 years
Equipment
Lease or purchase
Funding
Next business day
Support
Canadian phone
Best for: Established businesses
Independent ISO
Pricing
Interchange + 0.30%
Monthly Fee
$0
Contract
Month-to-month
Equipment
Purchase ($109-329)
Funding
Next business day
Support
Canadian phone & email
Best for: Mid-size businesses
POS Platform
Pricing
Tiered (2.3-3.5%)
Monthly Fee
$14.95-94.85
Contract
Varies by reseller
Equipment
$49-1,799
Funding
1-3 business days
Support
Via reseller
Best for: POS-focused businesses
Bank Processor
Pricing
Tiered (2.5-3.5%)
Monthly Fee
$25-60
Contract
3-5 years
Equipment
Lease ($50-100/mo)
Funding
1-2 business days
Support
In-branch & phone
Best for: TD banking clients
Bank Processor
Pricing
Tiered (2.5-3.5%)
Monthly Fee
$20-50
Contract
3-5 years
Equipment
Lease or purchase
Funding
1-2 business days
Support
Bilingual (FR/EN)
Best for: Quebec businesses
POS Platform
Pricing
2.6% + 10¢ flat
Monthly Fee
$89-289 (POS req.)
Contract
Annual
Equipment
Included with POS
Funding
1-2 business days
Support
Montreal-based
Best for: Retail & restaurants
Bank Processor
Pricing
IC+ (high markup)
Monthly Fee
$25-100
Contract
3-5 years
Equipment
Lease or purchase
Funding
1-2 business days
Support
Phone
Best for: Enterprise ($500k+/mo)
Why Choose PaymentsPlus?
- True interchange-plus pricing with the lowest markups
- Hardware placement options for qualified merchants
- No long-term contracts or cancellation fees
- Canadian-based support team who understands your business
- Same-day funding available for qualified merchants
- Modern technology with all the features you need
See How Much You Could Save
Get a free quote and compare your current rates to see your potential savings with PaymentsPlus.
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