The Critical Payment Processing Guide for Canadian Merchants
March 30, 2010 by Admin · Leave a Comment
The Critical Payment Processing Guide for Canadian Merchants
Discover how this Guide has helped 100’s & 100’s of Canadian business owners cut their payment processing fees by 10-30% and sometimes much, much more. If you are brand new to merchant account services, then this is the perfect guide for you… it’s takes most people about 15-20 minutes to read.
In this guide you will learn…
- What a Merchant Account is & Why Essential You Know How Your Business Will Transact Before Applying for Merchant Services
- How Not to Be Fooled by Ethically Questionable Merchant Account Companies’ Marketing Tactics
- How to Avoid the 3 Most Common Mistakes Merchants Make When Choosing a Payment Processing Provider
- The 18 Essential Questions That Will Protect You from Costly Hidden Fees
- How to Become a Seasoned “Pro” at Understanding How Credit Card Processing Rates Work Through Real Life Case Studies
- How to Save On Merchant Processing Fees with These 3 Insider Tips
- Learn How to Find the Perfect Payment Processing Solution for Your Business Needs Without Having Any Remorse Buying
Ready to get started on the guide…? Click here to become a merchant service pro.
Canadian Credit Card Processing Wars
April 28, 2009 by Admin · Leave a Comment
Tim Wilson at the NationalPost wrote yesterday an interesting piece on Canada’s Credit Card Wars over regulating interchange and allowing Visa to introduce debit cards in Canada.
Tim states, “While we respect businesses’ desire to manage their expenses, government intervention is not the right solution in a functioning industry.”
I know many Merchants who would be as fast as a wild cat and pounce on this statement. However, after reading more of what Tim had said in his article reminded me how important credit cards are to a business. Tim states:
“Retailers benefit from the speed, efficiency and reliability that only electronic payments can bring. They also receive guaranteed payment and can avoid the need to extend credit directly to their own customers. According to the economics firm Global Insight, over the past two decades, electronic payments have contributed $122-billion to the Canadian economy, which represents nearly 20% of our total GDP growth over the same period.”
In reality, without credit cards businesses would not be able to be as profitable as they are. Just try and imagine how a website would be able to transact without the ability to accept credit cards or even by phone. How would your business sales be without credit cards…?
The REAL ISSUE (if you read between the lines) that merchants are really complaining about is they feel they are paying too much in fees. It always comes down to the “$”.
Now I am all for keeping Merchant processing fees as low as possible. The issue really isn’t Visa and/or Mastercard with their Interchange rates because the interchange rates are not that high. If you have really high rates it’s usually due to your credit card processing company. This is Moneris, Global Payments, Chase-Paymentech, Elavon, First Data, TD Merchant Services, and other sub ISO’s who also broker credit card processing services. They make their money by marking up on top of the interchange rates and they really understand interchange.
Let’s use Tim’s example of:
“Visa Canada’s premium product, the Visa Infinite card, is available to a small subset of cardholders and its interchange rate, which is the small amount of money transferred from one financial institution to another each time a Visa product is used, is one fifth of one percent (0.2%) higher than other card products.”
What merchants don’t understand is how interchange really works and how the Merchant Account companies that sell/set-up merchants are the ones who can sometimes mark-up those rates big time. So if the card present buy rate for a non-reward card is approximately 1.6% for most categories of business and then the infinite card is 0.2% higher that would make the buy rate 1.8%.
Now many Merchant Account Companies will offer those card present cards at almost cost (let’s say 1.7% – only 10 basis points higher than cost) but they’ll mark all infinite cards by a full 1% higher making the Merchant pay 2.8% on those transactions. Now this could be good or bad for your business, it’ll depend on how many of your customers will pay using an infinite card – which you will not know until you are processing.
The question again is do you really understand how your customers transact with you…? If not you will want to figure it out.
This is where it is important that the Merchants understand how interchange works for their type of business category and/or the way their business will transact. By understanding this they will have a better chance at securing competitive rates because they can then look at the interchange tables and understand what the buy rates are from their type of business. However, as long as the Merchant remains uneducated on how all this merchant processing really works they will continue feel confused, alienated and over charged.
Now there have been some major shifts in the industry that have compounded these issues.
“In 2008, Visa introduced the first significant change to its interchange rate structure in 30 years, which resulted in some transactions attracting a higher interchange rate and others attracting a lower rate. Even with the change in structure and the introduction of the Visa Infinite cards, Visa Canada’s effective interchange rate has remained relatively flat at 1.6%. Interchange rates for Visa Canada are transparent and are available on our Web site.”
What people don’t realize is the change in the interchange structure is not really the problem. The REAL challenge is in educating merchants on how all the fees work. They are really just upset because they don’t understand why they are being charge more for some cards and how all their fees have change so much over the last year. The transparency has not been there and so they feel lied to or even like they have been swindle.
And sending a merchant in fine print 60 days before the change that their rates are going to change is NOT being transparent nor is that any kind of education on how it all works.
I don’t blame Merchants – I’d feel the same way if I were in their shoes. Again, as usual with anything in life – it breaks down to poor communication between the card processors and merchants. Which is fine with me – because it’s this type of poor communication that keeps me in business. 
I take the time to explain and help merchants understand how all these complex merchant MDR’s work and how to structure an application that is competitive and fair to both the merchants and the card processors.
Regardless, of what I think…what do you think…? Let me know in the comments below.
MasterCard Fights Back Against Interchange Myths
March 26, 2009 by Admin · Leave a Comment
Mastercard Canada released a press release a couple of days ago announcing they have accepted an opportunity to appear before the Senate Standing Committee on Banking, Trade and Commerce in order to discuss the payments industry, as well as to address the significant misinformation being propagated by retail sector lobbyists.
“The many benefits Canadian merchants receive from card acceptance continue to be downplayed,” said Kevin Stanton, President, MasterCard Canada. “I look forward to the opportunity to discuss the important role card payments play in helping maintain a well-functioning financial system in Canada.“
They have even created a full website explaining how interchange works and common myths associated with interchange. The website is called InterChangeTruth.com, this seems to be a offensive approach to dealing with groups like Stop Sticking It To Us coalition, who Mastercard Canada says are fueling myths about how interchange works and affects Merchants and consumers.
A couple of examples they make on their InterChangeTruth.com site are:
Myth: Interchange fees cover the cost of incentive programs, corporate card programs and marketing.
Fact: Interchange fees do compensate card issuers for the variety of activities they undertake in offering credit cards in the market. Incentive programs, card programs and marketing are some of those components but so are security and fraud programs, credit risk, promotional programs executed with retailers to drive business to their stores, and many other initiatives that benefit merchants. Merchants pay a fee to their acquirer for each transaction they process in exchange for the value they get from card payments, including:
- payment guarantee for authorized transactions
- increased sales
- customer satisfaction
- increased safety and reduced pilfering
- ability to serve international customers
- infrastructure, security and innovation investment
- the ability to process e-commerce, phone and catalogue sales
Myth: The current debit system in Canada offers the greatest benefits to consumers and merchants.
Fact: The incumbent Canadian debit system is a privately-held monopoly which for many years had no direct competition in Canada. Therefore it faced no competitive pressures to innovate, improve service, enhance security and fraud systems, or establish attractive pricing for merchants.
Anyway it is an interesting read and the site is only 6 or 7 pages, well worth a read to hear Mastercard’s side.
What are your thoughts as a merchant…? Let us know in the comment section below.
Another article related to this exact topic that you may like is:
Rebuttal to MasterCard Canada Assertions
Did Your Merchant Account Provider Send You This Letter?
March 20, 2009 by Admin · Leave a Comment
It is almost April 1st 2009 which means most providers will be adjusting their (MDR’s) Merchant Discount Rates in Canada because Visa adjusts their interchange rates. Look through your statements over the last 2 months and see if you received anything like you saw in the video above. If you did, this is a good sign that you might want to get a cost analysis on your current MDR’s to make sure you are capturing competitive rates for your business. I offer free merchant account comparison quotes or you can do it yourself using our free merchant account calculator.
The Critical Canadian Merchant Services Guide – Part 8
September 26, 2008 by Admin · Leave a Comment
Three Insider Money Saving Tips for Merchant Accounts
Tip number one: If you run a business where you need to take a deposit (like a motel) or pre-authorization (as in a car rental biz) over the phone, then do the pre-authorization, but don’t close it out as a pre-auth because you will then be charged the “non-qualified” rate-which is usually substantially higher then the “card present rate.” Just leave the pre-authorization and then when it is time for payment and the customer is present, swipe the card in the machine, allowing you to end up with the “qualified rate.”
Tip number two: If you have a business where you have multiple check-out stations or a business that has a dedicated line for each terminal, then you may want to use a high-speed internet connection, because you can use multiple Point-of-Sale Terminals through one IP connection. This can potentially save you $40-$70 for each additional phone line you are paying for to connect to your Point-of-Sale.
Tip number three: If your business requires a lot of MO/TO ordering then you really should use a Virtual Product because the rates will be less on the Non’s. A terminal’s keyed transaction rates can be as high as 3-4% and yet the same Non-qualified rates used on a completely different solution (a solution designed) for MO/TO order can be half the costs. It is very important that you chose the right solution for your business needs.
Choosing the Perfect Processing Solution for Your Business Needs
You have a choice between four types of solutions.
1. Retail
A) Dial-up Machine
B) IP Machine
C) Wireless/Cellular
2. MO/TO 1-800 number
3. MO/TO Virtual
4. E-commerce
Retail Solutions are obvious for a business that will process most of its transactions face-to-face with its customers. You can have your Point-of-Sale Terminal connect via phone line, high-speed internet, or on the cellular network.
MO/TO 1 800 # Solutions are for businesses that have very few transactions, that are on the go. You can call into a 1-800 number for authorization regardless of where you are.
MO/TO Virtual Solutions are for businesses that take orders via: phone, mail-order, email, etc. and process those transactions by logging onto a website with a user name and password.
E-commerce Solutions are for businesses that want to have processing on their websites, where the customer or client clicks through and checks themselves out online. There are many other important factors that pertain to internet merchant accounts.
This concludes ‘The Critical Canadian Merchant Services Guide’
What You Need to Do Next?
Now, I believe we made an agreement together at the beginning of this guide. Our agreement was that I would tell “the whole truth and nothing but the truth” when it comes to Canadian merchant accounts. In turn, you would fill out your application through my merchant account brokerage. Ready to keep your end of the bargain? I am sure you expect the same from your clients and customers! All I ask is for you to follow through with the type of actions you would expect from your clients after giving them all the tools for success!
The Critical Canadian Merchant Services Guide – Part 5
September 26, 2008 by Admin · Leave a Comment
Choose the ‘Right’ Merchant Service Provider by Avoiding these 3 Common Mistakes Made by Most Small Business Owners.
You learn things several ways. One way is simply going out there and doing something and learning from your mistakes. Another way is to learn what others have done wrong and make sure you don’t repeat their mistakes.
Don’t repeat these common mistakes that many small business owners had to learn the hard way.
MISTAKE # 1: PLAYING THE RATE GAME
Most small business owners lose at the rate game. Calling all the merchant account service providers in the Yellow Pages or off the internet and choosing the one that states the lowest discount rate will not necessary secure you low rates.
Would you play a high stakes one-on-one basketball game with Shaquille O’Neal?
Of course not!
You wouldn’t because he is a pro and knows all the tricks in the book to win at basketball.
Small business owners who try to negotiate debit/credit card processing fees with a merchant account sales pro are attempting the business version of taking on Shaq. Can you guess who the winner will be?
The small business owner almost always loses because they do not understand the intricacies of rate structures and how to look at the over-all payment processing service program.
MISTAKE # 2: COMPARING APPLES TO ORANGES
Not all merchant account providers are created equal. Price is not everything. Small business owners must also consider:
- Service
- Tech support
- Equipment
- Software
- Warranties
- Training on proper protocols for using services, etc.
For example, one company I know offers a very competitive discount rate program, BUT their program has major flaws. At first glance it seems like a good choice to make, but if the business owner had the knowledge to be able to dig a little deeper they would be able to pinpoint why this program would probably not be right for them.
Let’s look at this example:
This company (I can’t say the name, because I am not looking for a lawsuit) offers every business the same rates-which in itself is a sign of misleading advertising. Not all businesses can qualify for the same rates. Different businesses have different risks associated with them, and higher-risk businesses will pay higher rates. Let’s look at what this company is doing:
- 1.69% on Visa and MasterCard
- 10 cents per transaction
- $26/month POS Terminals
- $899 to purchase
Looks like a good program, right…? WRONG.
If you look a little closer you will see in the fine print that this is an introductory rate, and that after six months of processing they will give your business the real rate.
- There are a few hidden fees, statement fee, admin fee, and an annual recurring membership fee.
- That rate only applies on qualified transactions (card present transactions). Anything keyed-in, any corporate card, etc. will be charged at a much higher rate.
- Their service hours are 9am – 5pm.
- They offer no lifetime warranty on the Point-of-Sale Terminal (just the standard one year manufacturer’s warranty, which is the legal requirement in Canada)
- If the hardware does break down and has to be fixed, it needs to be shipped to Texas to be repaired-probably taking two weeks before you have a working Point-of-Sale Terminal back in your business.
How well would your business perform without a working Point-of-Sale Terminal for two weeks? How many sales would you lose? Is this still looking like a good deal…? Probably not.
LESSON OF THE STORY: Not all payment processing services are created equal.
This above example is just one of many sneaky marketing ploys that some merchant account providers have chosen to use.
MISTAKE # 3: BEING FOOLED BY LOW BALL DEALS, HIDDEN FEES, AND “FREE EQUIPMENT”
We touched on some of this in the above examples, but let’s dissect this in a little more detail.
Low Ball Deals
It’s always a wise tactic to ask yourself: is it too good to be true?
Is one company offering much lower discount rates then any other company-if it is, then it’s probably not cheaper. Remember, don’t compare apples to oranges. Some companies will offer low introductory rates to capture business only to raise rates once they have secured your business into a contract.
It really isn’t that hard to figure out. Remember, a good merchant account broker knows the wholesale buy rates that credit card processors pay (as I mentioned earlier, it’s called interchange) and if a credit card processor is offering lower rates than what it costs them, its business would not be profitable. How long do you think a business will last losing money? They are either going to raise your rates or they are off-setting the lower rates with back-end hidden fees.
Hidden Fees: What you do not know can hurt you. Many payment processing companies are very good at creating an illusion of being competitive, but make up for it many times over by sneaking in tons of nickel & dime fees on the back end. These could consist of:
- Monthly warranty fees
- Monthly minimum processing fees
- Administration fees
- Monthly/Yearly membership fees
- Added value fees
- Monthly system access fees
- Monthly maintenance fees, etc.
These merchant account companies can be very creative when it comes to naming bogus monthly fees. Of course, it is almost impossible to avoid getting dinged with some fees, and some are perfectly legitimate. Paying $10-$15/month in additional admin-type fees is acceptable, but anything beyond that and the odds are you are paying too much.
Free Equipment: Let’s keep this one short. Nobody gives anything away for free. Enough said, right?
Choosing a Payment Processing Provider is a serious decision, and you want to make sure you have crossed all your “t’s” and dotted all your “i’s” before committing to an agreement. Most Companies’ volume runs through Debit/Credit Card Payment Processing and most payment processing costs are 2-5% of that volume (when all said and done), so making a good decision is important.
Therefore, in order to evaluate the cost effectiveness of any Debit/Credit Card Payment Processing Provider, you need to consider ALL the fees and charges, not just the discount rates. You are most likely starting to see the huge benefit that a solid merchant account broker can provide.
Testimonials
September 20, 2008 by Admin · Leave a Comment
Just like any business’s success, our company’s success hangs on how well we provide services to other Canadian Small Business Owners. We have been blessed to have majority of our business come from referrals. Below are just a few testimonials and thank-you letters we have received over the years. for helping Small Businesses connect to cost effective merchant accounts. We hope to add you to our growing list of elated clients.
If you would like to leave a testimonial for us…there is a form at the bottom of this page where you can write one. We thank-you in advance for your kind words, we would not be as successful without your help.
Canada Card Processing’s Testimonials:
“Whether you are starting out in your search for a merchant account or looking to move an existing account ‘Canada Card Processing’ is the right place. The wealth of knowledge available on their site is a great time saver in trying to wade through all the mumbo-jumbo. The pricing is better than competitive right out of the gate. No hidden costs and great follow up and continuing education. I have an existing merchant account that I am going to move when the contract is up. A pleasure to do business with.” - Ernie Prommer – Owner @ GRand Forks flooring & Decor
“Canada Card Processing made it easy to get set up with POS equipment, they were helpful, easy to deal with and affordable. I was amazed how easy it was to set up the equipment! Thank you for your assistance with everything.” - Kirsten Foksowicz Owner @ Second-Wind Auto Sales
“I was becoming so tired of hearing that my business, selling event tickets, was “high risk”. Major processors wouldn’t even look at my application. I was becoming resigned to the fact that I would have to try to work with someone specializing in high risk if I wanted to accept credit cards. Finally I contacted Canada Card Processing almost begging them to take a look. Well within 48 hours they had a large processor wanting to see my application and approval followed almost immediately. I can’t thank you enough Dat.” - Rick Koning Owner @ See It Live
“The service was great. It couldn’t get better. I wish there were more Card Processing Services like these. I will most certainly refer other businesses interested in getting merchant account brokers like these.” - Searchlite Industrial Products
“I’m very grateful that you were able to help us to get setup so quickly! The fact that you’re very approachable and accessible during the whole process is a big bonus! I know that takes a lot of commitment on your part and I recognize that! Much appreciated! ” - Andreas Svenningsson, ASECO Solutions, Calgary, AB
“The customer service that you provided my new company “Go Big Media” was exceptional. You are extremely knowledgeable about all aspects of the credit card processing industry. The processing solution that you developed for us will save my company time and money. Throughout the information gathering and application process you answered all my questions thoroughly and promptly. I will recommend your professional services to my friends, family or business associates that are looking for a cost effective credit card processing solution. Thank you Dat for all your help in making the right decision!” - Sincerely, Mr. Rick Klassen Owner of Go Big Media
“When we opened our 1st Wellness Centre in Clarkson Village, we needed a Visa/MC/Debit solution that was cost effective, secure, easy and quick. (Had PayPal Virtual Terminal which was limited, very expensive and slow.) After speaking with a number of suppliers (including the bank) and becoming totally confused on who did what at what cost, we found Canada Card Processing. We answered a simple questionnaire on our needs, and got an end-to-end solution quotation that proved simpler and less costly than any we had found on our own. Got approved in days, received the equipment, plugged it in and voila, it worked perfectly. It was easy and we appreciated CCP’s teams constant follow-up services and attention to detail. We would recommend Canada Card Processing to anyone seeking a simple, very competitive one-stop solution for Visa/MC/Debit in their business.” - Diane McLaren, Holistic Health Practitioner & Wellness Coach
“Dat To and his team are on the ball and professional. They took my hands and showed me what needs to get done and what options I have including what results I may get per option. I truly appreciated it. Everything was done when they said things would get done. I highly recommend Dat and his team to help any business with merchant processing! Thank you again!!!” Hanna – Owner @ The Busy Genie
“My wife and I had pretty much decided that we were going to deal with our local bank for our POS business needs, however, I felt I needed to see what other companies were offering to merchants. My search led me to Canada Card Processing. The first thing that struck me was the wealth of knowledge they had about the industry and how easy they made it for a first timer like me to understand how the whole process works. I submitted my application and was impressed at how quickly I received an acknowledgment from Canada Card Processing and then a phone call from his Dat. Not only did they save me $$ compared to my local bank they set me up with a POS a/c that was better suited to my company. Thanks CCP for all your help you definitely have my recommendation. Keep up the good work.” Paul Pitters – Owner @ Unique Peace Home Furnishings
“I don’t know were we would be without your service. Probably struggling still to try and set up our merchant account, losing business because we could not cater to the electronic side of daily sales. And I am cheerful due to the good service. Believe me I have spent 20 Years in a high pressure, high demand Service trade where NO is not an option. You brought that kind of service to the table and it is close to unheard of these days. So Once again from all of us here at Valley Cache 168, in small town Minnedosa, we Thank you Canada Card processing.” Derek Folk - Owner @ Valley Cache
“MY HAT GOES OFF TO DAT AND HIS TEAM. YOUR RESPONSE TIME AND SET UP WAS INCREDIBLE. I LOOK FORWARD TO LONG RELATIONSHIP WITH YOUR COMPANY AND THANKS FOR HELPING MY BUSINESS GO A LITTLE BETTER WITH SUPPLYING BETTER SERVICE FOR MY CUSTOMERS. AFTER ALL A BUSINESS IS ALL ABOUT CUSTOMER SATISFACTION. THANKS FOR YOUR CUSTOMER SATISFACTION ALLOWING ME TO PROVIDE TOP NOTCH SERVICE.” KIMBERLEY D. SWIRE – OWNER @ KIM’S FASHION BAR
“Canada Card Processing contacted us at the perfect time when we were in the market for a new Merchant Processor. Their inviting e-mail caught our attention and we contacted them to see what they can offer. Their promises were met and they never delayed, which is very important to any business. We were set up immediately and ready to process again thanks to Canada Card Processing. They kept in touch after we received the services which shows that they are a stand up company. I would personally recommend this merchant account brokerage to any business owner to deal with because of my personal experience.” Hassan Syed Owner @ Metro Car & Truck Rental
“My company is a manufacturer/distributor of educational products. Some of our customers wanted to use credit cards for payments so I approached several people including Dat To, at Canada Card Processing. I was prepared to proceed with Mathew, but I was directed by others within my company to work with a company affiliated with our bank. A few months later an administrative issue came up where we lost our service. I contacted Dat immediately, and we were back up and running within a few days, far faster than the original company we dealt with. I strongly recommend Canada Card Processing for advice and to guide you through the maze. They understand the merchant account business and are very effective. A pleasure to do business with.” Rick Dingman Owner @ Copernicus Educational Products Inc.
“From start to finish, a smooth set up. I must say that this was painless, and my sales exploded after giving my customers more options for payment. Well worth the costs.” - Craig Lambie Owner @ MetallicMagic.com
“My client is in the construction business. You helped us get an electronic CC system implemented that is easy for the office staff to use and easy for the customer to receive a receipt. And we can import all our transactions into our accounting program. Your service was swift, your expertise amazing and both my client and I are grateful we selected your services. I will be passing on your name to other clients and many of my colleagues who are struggling with CC payment systems with clients are not in the office to ‘swipe’ the card. Thank you.” – Marilyn Strong @ The Strong Group
“Canada Card Processing provides first rate professional service. In our previous business, the application phase for our credit card processing service was very stressful and time consuming. This time around, CCP made this process so stress-free and we had our POS equipment within two weeks. I also appreciated his telephone training once we had received the POS equipment. We will not hesitate to refer Canada Card Processing to others looking for credit card processing services. A big Thank-you!” – Debbie Knutson Owner @ Integrated Professional Training
“When I first decided to look for merchant services Canada Card Processing was very honest, and forthcoming with any questions that I threw at them. I felt very well represented as a new business owner and I knew that they always had my best interest in mind. Even when there was a mistake in my paperwork which stopped the process altogether, they were there to ensure that I received a full refund. So when I was ready to re-apply for merchant services I did not hesitate to contact CCP. It has been 1 month since I received my terminal and so far it has exceeded all of my expectations. I have had great customer service from the merchant provider CCP recommended and I would without a doubt refer other Registered Massage Therapists to them. Knowing that they had a pre-negotiated rate for our profession made it an easy decision. Thank you for making my life a little easier!” – Cristy Gifford Owner @ Interactive Flex Health & Wellness
“I would highly recommend Canada Card Processing to any business in need of a merchant terminal. Their wealth of knowledge and patient time they spent explaining to me all of the many details involved with getting a merchant terminal for my small business was great and made the process so simple! The more I did my homework, the more I realized that navigating the many options available to me was truly complicated. Dealing with Canada Card Processing took the stress out of the process and he not only helped us find the best service for our needs but he helped us save money. Our terminal was up and running in just a few short days. Thank you to the team of Canada Card Processing for outstanding service!!” Kirsten Pelchat Owner @ Bel Canto School of Music
“I was contacted by Canada Card Processing while I was in the process of getting a Visa/Master Card/Debit Terminal from another company. The process was painfully slow with the company I was trying to get a terminal from and the client service I received from that company was terrible. I dropped the company I was originally working with to have Canada Card Processing (CCP) take care of my payment processing needs. The service I received from CCP was exceptional and in no time I had my terminal up and running. I would gladly recommend Canada Card Processing to any new/existing business owner looking for a Merchant Account Services, as the rates they find for you are cheap and the company services they recommended are great.” – Philip Alcock – Owner @ Core Health Spa
“Just a quick note of thanks for helping me navigate through the complexities of the POS merchant world. Without your help, I would be in a nightmare situation with other POS vendors and would have been pulling my hair! With your help, I know exactly what I am going into and had a POS System up and running within 5 business days! Not only that – I know I am getting really competitive rates – rates that the big banks can not offer. Thank you for the hand-holding and for going above and beyond the call of duty. I will DEFINITELY recommend anyone to your services.” Kim Chung – Director of SHOE THERAPY LTD.
“I have been with the company that Canada Card Processing recommended to me for a year now and I am extremely happy with them, and the savings compared to other companies. The machines are easy to use, even my customers have thanked me for using an easy to use machine, This merchant account brokerage is excellent, they took the time to go through everything with me, and explained how it all worked, I was a new owner and had no idea how to work any of it, they made it easy and fun, Thanks!” Roxanne Muir – Owner @ Karma Kollective Hair Studio
“All I can say is… I don’t know what I would have done with my business if you had not called me and told me you would be able to help me to get a debit machine. I was losing money by not been able to get one & the bank would not even look at me, but you and your company gave me a chance. I would and will refer you to any one I know who needs a great Merchant Account Broker.” Joyce Jones – Owner @ Wavelength Hair
“I have been a contented client of Canada Card Processing for over a year. I decided to cancel my previous payment processing company because of the expense of what they had to offer and the failure of that bank to meet my needs as a small business owner. The other major banks also failed to offer anything better. Within a short space of time, I was approached by three companies offering credit card and debit card transaction processing. They were all offering what seemed like similarly good deals. Who should I chose? CCP was able to answer all my questions and was able to tailor the system to my own needs. What specifically appealed to me was that I did not feel that I was being pressured by Canada Card Processing to sign any agreement. CCP presented the information in a professional manner and was able to effectively answer my questions. They then left me to make the buying decision. They were at my place of business for the installation of the system and was able to train me in its use. I am now past the one year anniversary since I installed the system. Indeed, the proof of the pudding is in the eating. As declared by CCP, there are no hidden fees and everything has functioned to my satisfaction. I am also impressed on the few occasions that I have needed to contact the merchant account company’s help line. Their phone line has been answered promptly and their questions answered. In summary, I am a contented customer who would not hesitate to recommend Canada Card Processing’s professional services to anyone looking for an inexpensive but efficient credit card – debit cards processing system.” Timothy Phillips – Owner @ Healing on the Danforth
“Our Payment Processing Company has met all of our point of sale needs without any hassle. Setting-up all the equipment and showing us everything we needed to know. He made sure we felt confident with the system, and I would recommend him to any business with point of sale needs.” Kadina Yu & Patrick Whyte – Owners @ Conspiracy Culture
“I am a busy professional who has utilized CCPs services for all of my merchant card services for the previous 3 years. I have been completely satisfied with both the service and reliability of the companies Canada Card Processing has recommended to use for my merchant account services. Dat took his time to personally arrange and set up my merchant account including the hardware and continues to provide ongoing support when needed in a friendly, professional and expedient manner. It is good to know that CCP is just a phone call away. Thank you.” Jeffrey D. Cowen – Chiropodist/Foot Specialist – Owner @ THE FOOT GURU
“I am a Optometrist in Winnipeg and recently opened ten offices. I contacted Canada Card Processing through their internet ad, lured by the promise of low discount rates, savings on the machines and reliable POS processing. It has been a year and everything has been great. They provided me with everything I needed in a timely, professional manner, and was helpful to my staff in the set-up. I would highly recommend Canada Card Processing and their services to any new merchant or existing merchant who wants to save money on their debit and credit card processing” Dr. Robert Kashin Owner @ Kashin Optometric Group
“I was referred to Canada Card Processing about 6 months ago when searching for a point of sales system that was both cost-effective and reliable. CCP was very helpful and honest about what options were best suited for my business and offered additional tips as to how I could save money. They were patient in describing every detail of the contract and answered every question I had unbiased. As a result of this, I have obtained a wireless POS system from CCP and have not had any problems since. I would recommend CPP to anyone who wants an honest opinion of what would be in their best interest.” Andre DeCairos – Owner @ Onsite Essentials
“I was using the telephone IVR service which was being discontinued and Canada Card Processing had happened to call, offering better rates than my previous provider and the opportunity to buy my own terminal. The service was excellent and efficient. I’ve been happy ever since.” Dr. Todd Baron D.C. – Owner @ Guildwood Chiropractic Centre
“Dear CCP Team and potential customers, First of all, thanks! I must say doing business with you was fast, confidential, and a pleasure. During our first initial phone call, I had decided that there would be NO reason to look elsewhere for my POS terminal. You answered all my questions very confidently without a pressuring sales pitch. You made me feel like I was your only customer. Your efficient dealing had me up and running in a few short days. And for that I appreciate it. Not too mention the discounted rates compared to the local competition. The system is very user friendly. I would highly recommend Canada Card Processing. He was very helpful to walk me through the set-up. Thanks again… I have and will continue to mention your name and service to anyone looking for a terminal.” Janice Egger – Owner @ Janice Egger RMT
“It is our pleasure to write this letter to thank you for all your help getting Havre Boucher Automobile Ltd. set up with MasterCard, Visa and Interac. It is rare today to find someone so passionate about their job. After doing our research into who we would use for our business we decided on your services because of how helpful you were to us, once we started getting setup it was you who kept calling us to make sure everything was going smooth, we never had to track you down for answers. Once again we would like to thank you for in all your help making this part of opening a new business trouble free for us. It has been and continues to be our pleasure to do business with you.” Gloria & Richard – Owners @ Havre Boucher Automotive Ltd.
“I have stumbled onto Canada Card Processing while researching on the net companies offering merchant services. Upon reading his information, I decided to contact them and see if they would get back to me. They answered the same day, and that in itself told me a lot. Long story short, they helped me set up my merchant account, the process was very swift and painless. They always got back to me within few hours if I had any questions or concerns. I am now able offer other ways of payments for my clients, which may open up a whole new door to people who don’t necessarily have cash on hand but are in need of services. I would highly recommend Canada Card processing services to anyone.” Joanna Banka – Owner @ Turning Point Hypnotherapy
“Canada Card Processing called me at my business and introduced me to their merchant account brokerage program. I have a dog grooming business and I did accept VISA at the time of the call. I was paying a much higher rate than they had offered. They also offered a very good rate on interac, so I decided to go with the terminal and the offer. My clients are very happy that they have a choice of payments with VISA, MASTERCARD, or INTERAC…many of my clients live on their cards and carry little or no cash. Thank-you Canada Card Processing for you services!” Wendy Varga – Owner @ Suds N Scissors Pet Salon
“Canada Card Processing was very professional and so helpful to me to get my debit and credit card machine and accounts set up. Being in the arts business, I was not a good bet with the banks for a debit machine, but it wasn’t a problem with CCP. They are merchant account geniuses who can make miracles happen. They are very knowledgeable and understanding of my personal circumstances as well as my art business. I highly recommend this merchant account brokerage. I am 100% happy with the service.” Shayli Vere Owner @ VereStudio & Gallery
“I have just received my new terminal, and I LOVE IT! Thank you so much for all of your help and advise, you definitely made my new venture into the world of Interac easy to understand and so much less intimidating than others I have spoken with. Doing business with you has been a pleasure, and I will certainly recommend you to anybody that requires your services. Thank you.” Nicole Johnson – Owner @ Criminal Couture
“When my MasterCard and Visa rates jumped to over 4%, I was forced to look around for better rates. Being very limited in my understanding of merchant account service providers and how it all works, I decided to give Canada Card Processing a try. This was definitely a smart move. They did all the work for me, and explained everything in detail, finding me rates of 1.85%. The machine arrived promptly. They walked me through the basics of the machine and we were all set to go. It’s been 2 full months now and we’re happy. If you’re shopping around for better rates, I would highly recommend checking out Canada Card Processing!” Jessie – Owner @ Organic Oasis Farm Store
“I am thrilled that I was able to find Canada Card Processing. They do it right! As owner of a small fitness facility I seemed to spend most of my time chasing down people for their membership fees. Installing a POS system made all the difference in getting immediate payment, no more excuses “Ooops…forgot my cheque book.” The POS set-up was sooo easy and fast. Incredibly patient and helpful. They always followed-up and made themselves accessible for help and encouragement. Thanks CCP” Richard Childs, Owner @ A Step Up Fitness Centre
“Canada Card Processing made the entire process effortless and streamlined from the very beginning. They answered all of my questions in a friendly and efficient manner, and even accommodated my schedule with regard to contacting one another. I would highly recommend their services to any other individual or business who wants to work with attentive, dedicated, and hardworking people, such as the team at Canada Card Processing.” Eryn Wicker – Owner @ Bliss Therapeutic Services
“I would like to thank you for the prompt and courteous assistance I received from you as soon as I called with to inquire about merchant services. Almost all of my income is reliant on the ability to accept Visa and MasterCard and until I was able to offer my clients credit card payments , my income stream came to a halt. It was a great relief to have you completely resolve the daunting task of becoming a merchant and get my business back up and running! I have appreciated deeply your very professional and expedient approach and will not hesitate to recommend you in the future.” Kim Divell – CEO of Franchiseek Canada www.franchiseek.ca
“Recently, our company was looking for a point of sale provider to accommodate: Visa, MasterCard and Debit transactions. After much disappointment, with the conventional banks, we came across Canada Card Processing. They guided our company in a professional manner to achieve the best results in relationship to the most suitable and affordable equipment. They were efficient, professional, and always returned our phone calls and related e-mails. They are truly a professional in their field and we would highly recommend them to others in need for POS systems. Thanks again Canada Card Processing & Keep up the Great Work!” Lorne Clarkson President @ C&V Trailer Sales
“Recently, I have had the pleasure of CCPs personal and exemplary service in obtaining my merchant account. Canada Card Processing pays close attention to detail when setting up merchant accounts, especially for Sole Proprietors, such as myself. The approval turnaround time was only 24-48 hours and my account was all set up. This was the last hurdle to get my business off the ground and now I am set. CCP is an efficient and extremely knowledgeable Brokerage who will meet your needs to succeed. Thank you.” Tamara Pegoraro – Owner @ Gateways Now! www.getawaysnow.com
“Dear CCP, Thank you so much for all your support. Having set up credit card and debit card payments at the beginning of this year has improved our business tremendously. At first when we were looking at all the information available online, we were a bit confused and overwhelmed, but once we were lucky enough to get in touch with you, everything was much simpler. It really helped to have someone to talk to and ask questions. You were always available and ready to answer our numerous questions and concerns. Before, we were always hesitant about paying fees for such services, but as many small business owners will know, sometimes saving a few bucks here and there actually causes you to incur on higher costs elsewhere, particularly when it comes to sacrificing more of our personal time! I highly recommend any business owner to set this up. Your sales will increase, you will save time and your customers will appreciate it.” Nohra Jacobsen – Owner @ Easy Spanish www.EasySpanish.ca
“After hearing of so many things to not do and avoid in starting a new business and getting set up with a POS system it was fabulous to get involved with Canada Card Processing and benefit from their experience, no pressure attitude and positive factual information in regards to selecting the best POS options for my new business. Their literature and quick responses to questions soon empower you to understand what you need to in getting the best POS solution for your business. I am grateful and very pleased with the excellent service they have provided at all levels of interaction and attention to detail. I would recommend anyone looking to educate and negotiate an agreement to with a POS system to speak with Canada Card Procesing and take advantage of their great service. Thanks very much.” Stephen Remillard – Owner @ First Stop Swap Shop
“I just would like to express my gratitude for the excellent and prompt service I was provided by Canada Card Processing. As a new business owner it was difficult to find a financial institute willing to offer the service I received from CCP. They answered my email quickly and provided superb service and guidance through the process. He treats you like a friend not a client, always checking to see how things are going and asks if there is anything he can help with. Just like to say ‘THANKS’ for the excellent service.” Jamie Stewart – Owner @ Bubblegum Kids
“I can’t recommend Canada Card Processing highly enough – they are prompt, knowledgeable, and they certainly understands the ins and outs of the business. They also deliver on highly competitive rates. They were pleasure to work with.” Dr. Mark Smolkin – Owner @ Travel Medicine on Bloor – www.travelmedicineonbloor.com
“I had the pleasure of working with Canada Card Processing in order to obtain a payment processing unit. They were there for me every step of the way and helped me obtain the unit that was most fitting given the nature of my business. I would be happy to refer CCP to anybody I know and am glad we are still able to keep a relationship even after our work together has completed.” Jamie Chadwick – Owner @ Save Cell Communications www.savecell.ca
“So glad to have found CCP’s web site when looking for a debit machine for my tire and fast lube shop. They were very polite super fast service and a very honest guy everything up front no hidden (anything). CCP saved me (cash) that stayed right in my pocket it just can not get any better than that he did not put me on the back burner, very fast service I was up and running in no time flat high quality equipment fast shipping fast set up. I will highly recommend CCP to anyone and I already have, thank you for pro service.” Peter Pagonis – Owner @ Old Town Tire-n-Lube
“When I contacted Canada Card Processing, I already had negotiated good rates with another merchant account provider. I wanted to see whether they could find me a better deal. CCP immediately found a payment processor who offered lower discount rates, set-up fee, and monthly fees. Not only that, the payment solution was better suited to my needs than the one I was initially offered by a different provider.
CCP worked with me personally to find the right merchant solution for my business. They are not out to make a quick buck. Their service standards are high. They returned my phone calls and replied to emails within 24 hours. If you’re looking for a merchant account for your business, I urge you to give CCP a call. At the end of the day, you will be glad that you did.” Thuva Tharma, President @ BizImpact Publishing
“Canada Card Processing provided me with an affordable option to make my business run smoothly. I do trade shows part time and he set me up with a fantastic short term contract that far exceeds the competitors rates. They listened to my needs as a business owner and presented me with the best rate package. I have not found these rates with any other company. I’m just thrilled and hope to tell everyone I work with at trade shows to give them a call because they’ll save so much money in the end.” Diana Coatsworth, Owner @ FlyBall Bags
“We needed a special card set up for our business. We do some work from the office, but also travel across Canada to industry specific trade shows, so our requirements were tough. Canada Card Processing came through with a great plan with low per use charges for us to use Mastercard and Visa. The system training was very straight forward and easy. Thanks for solving our card problems and letting us get on with business.” Corinne Whitmore @ Whitmore & Hobbs Emergency Technologies
“I have been trying to accomplish some task by myself that I simply was not able finalize. Your expertise was very appreciated and your follow up after the fact was the cherry on top of the cake. Thank you for the super fast excellent job.” Savard Cafetienda @ www.cafetienda.com
“It was a privilege to have received a very polite email from Canada Card Processing about their company offering a cost effective point of sale card processing merchant services. Weary about the economy and its impact on us small businesses, we are open to save more money in every way. CCP offered us an added support that others had not. They had given us an open honest detailed analysis of what and how much we can save in comparison to what we were paying for the same services. It was up to us to decide. Without any hassle and fast, they were there every bit of the way to make the transition easy. I will not hesitate to recommend CCP’s Services to any businesses big or small. I am happy that we made the change.” Melba – owner @ The Dogs AquaTherapy Ltd.
“What can I cay, Canada Card Processing made the entire process of finding an affordable POS system extremely pain-free. I was drowning in a sea of POS rates and percentages when I called him. My only regret is that I didn’t call them first because I was a prune by the time he fished me out of the turbulent waters. They were able to explain everything with simple, straight forward answers; no matter how random my questions where. I highly recommend their service, it’s top notch!” Mike Wollin – Owner @ FoundryFilms.net
“While in the process of setting up our VISA/MC/Debit Terminal Lease with some other companies, including our local bank, I decided to explore other options, including purchasing a terminal through a third party. While web-surfing, I came across Canada Card Processing’s web site and, although somewhat skeptical, I decided to contact them to see what they could do. Although we never met anyone in the company face to face, they were with me every step of the way until the Terminal arrived on my doorstep a couple weeks later. It was a simple process and CCP did an excellent job. If you are an entrepreneur or small business owner looking for a great deal with your POS terminal, I would absolutely recommend Canada Card Processing for the job.” Ryan Wilson – Owner @ ProLawn Residential Lawncare
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