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Fair, transparent pricing that puts your business first

No locked-in contracts

No cancellation fees

No hidden fees

Next-day funding

We keep pricing simple, so you always know what to expect

Credit Card Processing

AS LOW AS

1.26% + 5¢

per transaction

Debit Card Processing

AS LOW AS

5¢

per transaction

Monthly Subscription

MERCHANT ACCOUNT

$5/mo

Credit Card Processing

AS LOW AS

2.27% + 25¢

per transaction

Monthly Subscription

PAYMENT GATEWAY

15$/mo

More reasons why businesses choose Paystone

Email, phone, and chat support

Dedicated account manager

Next day funding

No locked-in contract

PCI Plus data breach protection

Onsite support

Reports, analytics, and customer insights

Real-time transaction reporting

Fraud prevention tools

Chargeback and dispute assistance

Free shipping for equipment

In-person surcharging

You pay 0% for credit cards

Standard in-person rates for debit cards.
Learn more

Accept all major cards, and never miss a sale

Be ready for any type of payment, from credit & debit to mobile wallets.
 
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“We’ve recently partnered with Paystone, and it’s safe to say they’ve impressed us. Their rates are excellent, and their service is top-notch. Jamal, who handles our POS systems, swiftly and efficiently set us up with everything we needed. It’s clear that these folks genuinely care about their clients and are committed to providing the best rates and services possible.”

Idris B.
Mama Fatma Turkish Cuisine

“I really like Paystone because the statements are really easy to navigate and understand what is happening in my accounts. I am very happy working with Paystone over the system I used to have for my clinic.”

Jamie S.
GAJ Denture Clinic

Frequently asked questions, answered

Why is there a setup cost?

How much does it cost to open a merchant account? Our $99 setup fee covers the time and work it takes to get your solution set up.

The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard mandated by card brands. It applies to any organizations that accept, process, store or transmit credit card information.
 
It consists of 12 basic requirements grouped in 6 categories for establishing and maintaining a reliable and secure payment processing environment.
 
Payment Card Industry (PCI) compliance is mandatory for every business that accepts credit and debit cards, and these businesses must follow PCI rules and regulations. Some processors run proactive programs  to help ensure PCI compliance is maintained.

We offer flexible rental options for our payment terminals, so you don’t have to commit to an upfront purchase. Renting a terminal is a great way to keep costs low while still accessing the latest technology.

This is an admin fee charged each month for your merchant account provider’s services, such as customer support, tech support, portfolio management, etc. It also includes PCI Plus Data Breach Protection (or Safe-t).

Cost Plus/Interchange Plus pricing is a model where you pay the interchange and assessment fees plus a simple markup for the services of the payment processor. 
 
The card brand networks (Visa, Mastercard) set the interchange fee and represent the base fee or wholesale cost of accepting electronic payments. This fee is what the acquirer pays to the issuer and the rate varies depending on the industry, the type of business, if the card is present or not present at the time of the transaction, etc. 
 
The assessment fee is a small percentage that is paid to the card brands (Visa, Mastercard) on every transaction. It is a fixed transactional fee, and the same amount is charged no matter the card type or industry.
 
By passing the cost directly to you and only charging for a single markup, interchange plus pricing gives you significant savings while creating a transparent arrangement with your processor.
Interchange fees can be different from one transaction to the next. They vary based on each card type, if the card used offers points and rewards, the industry, the type of business, and if the card is present or not present at the time of the transaction. There are hundreds of interchange categories based on these variations that range from 0.80 to 2.69%.
 
Here is where you can find Visa’s fees and Mastercard’s fees.
 
Contact us for a full breakdown. We can even do a cost comparison against your current payments provider to show you how much you could save by switching to Paystone!

Yes! Depending on your processing volume, we can offer discounts. We’re always happy to do regular reviews of your account to make sure you are getting the best possible rates for where your business is at.

Funds will be deposited the next business day.

Find out why our customers have rated us Canada’s top payment processor

More than 35,000 businesses trust Paystone solutions.
Why choose Paystone?

Next day funding

Get paid faster with next-business-day deposits to keep your cash flow steady.

Ongoing feature updates

We invest $3M+ yearly into new features and improvements to keep your business ahead of the curve.

Fraud prevention & security

Protect your business with dispute notifications, chargeback support, and industry-leading encryption.

24/7 dedicated support

Need help? Our expert team is available by phone, email, and live chat—plus on-site technical support for payment terminals.

Hassle-free setup

Get up and running in no time with free guided setup and FREE hardware shipping anywhere in Canada.

Seamless integrations

Easily sync your payments with your accounting software and business tools to simplify operations.

Flexible payment solutions with 
no strings attached

Enjoy secure, reliable payments with pricing that works for your business.
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Accept all major cards, and never miss a sale

Be ready for any type of payment, from credit & debit to mobile wallets.
 

Payment terminals

Accept fast payments in person with our credit and debit card machines.

Learn more

POS Systems

Manage inventory, customers, and more with powerful point-of-sale tools.

Learn more

Online checkout

Accept payments on your website.

Learn more

Virtual terminal

Key in customer payments from any internet-connected device.

Learn more

Hosted payment pages

Create customized online payment pages.

Learn more

Online invoicing

Get paid fast with convenient online invoicing.

Learn more

What our customers are saying about Paystone

“We do a lot of home visits, so having something that’s portable has been amazing for both our patients and for our hearing clinic.”

Jeff L.
In Home Hearing

“Had a wonderful experience with Paystone! It was a smooth and easy transition, and my hardware came very quickly!”

Christina S.
Good Skin Habits

“Very good customer service, quick, you don’t wait on the phone forever to speak to someone. Clear and transparent pricing. Good online resources.”

Sobhi Z.
Tamam Fine Palestinian Cuisine

“The card processing fee is low, and the speed of the device is fast and convenient. The customer service is also excellent. Strongly recommended.”

Jongmin P.
Gold Coin Laundry
 
 

Upgrade to simpler, smarter payment processing

No contracts, no hidden charges. Just simple, transparent pricing that works for your business.
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