Direct processor agreement
We hold our own processing agreement, not a sub-reseller's sub-reseller. One less intermediary, one less margin layer. You pay closer to wholesale.
The Honest Rate Promise · zero junk fees, in writing
Canadian merchant acquirer
Process payments at
Interchange+0.30%+5¢
- Tier 1 margin · full tier schedule →
We pass interchange and card-network fees through at cost. Our margin is 0.30% + 5¢ on every transaction, automatically lower as you scale. Online and keyed transactions add 10 basis points to the margin: 0.40% + 5¢ at Tier 1. 5¢ flat on Interac debit. $5/month merchant account. No setup, no contracts, no annual fee, no PCI compliance fee, no monthly minimum.
Tier 1
Up to $100K/mo
0.30% + 5¢
margin
Tier 2
$100K to $500K/mo
0.25% + 5¢
margin
Tier 3
$500K to $1M/mo
0.20% + 5¢
margin
Tier 4
$1M+/mo
0.15% + 5¢
margin
$0 setup, no contracts
Next-day funding
SOC 2 + PCI Level 1
Live in 24 to 48 hours
Fully self-serve. 5-minute application · most merchants approved same day · zero phone calls
- Card-present surcharging
Or pay 0% on credit cards.
Pass the credit card fee to the customer where allowed. You keep 100% of the sale. Standard debit rates still apply. Compliant with the major card networks.
how the margin can be 0.30%
Three reasons. No tricks.
No commissioned sales force, no padded interchange, no surprise tier shuffling. The rate you see is the rate you pay, every transaction, every month.
No commissioned reps
Traditional acquirers pay 30 to 50 bps in sales commissions, baked into your rate. We don't. Our team is salaried. The savings move to you.
No junk fee revenue stream
We don't make money on PCI fees, statement fees, batch fees, or gateway access fees, because we don't charge them. Our margin sits in the rate, plain to read.
the fees we won't charge
The four-letter word the industry won't say.
An average merchant statement contains 7 to 12 line items that don't go to interchange. Most are extracted from merchants who never bothered to read. Here's the list, marked $0.
Statement fee
A.K.A. Paper statement
$9.95/mo
$0Compliance fee
A.K.A. PCI assessment
$19.95/mo
$0Annual fee
A.K.A. Membership
$149/yr
$0Monthly minimum
A.K.A. Processing min
$35/mo
$0+ 5 more the industry invented
Batch fee
$0Gateway access
$0IRS reporting
$0Non-qualified surcharge
$0Regulatory recovery
$0signed and on file
The promise, in writing.
Every fee above is marked $0 because we're contractually bound not to charge it. If we ever do, the policy is simple: we'll refund it twice.
Certificate of no bullshit
The Honest
Rate Promise
We charge for the rate. That is the entire list. If we ever charge for anything else, we will refund it at twice the amount, within 14 days, no questions asked.
90-day profit guarantee
Save more than you were paying, or we make you whole.
Switch to Payzium. Process for 90 days. If you have not saved more than you were paying your previous processor, we refund 100% of the processing fees you paid us, and we cover up to $1,000 of your switch-out cost to whatever processor you choose next. Codified in our Terms of Service.
Certificate of90 days
Process 90 days. Save more than you were paying, or we refund every dollar and cover up to $1,000 of your switch-out cost.
First 90 days only, measured against the total processing fees you paid in your last 90 days with your previous processor. One claim per merchant. Codified in our Terms of Service.
Read the full guaranteeso how do we make money?
We charge for one thing.
The rate. That's the whole list.
Most acquirers run a stack of revenue streams. We run one. It keeps the incentive aligned, and the math easy.
100%
From the rate
Every dollar of Payzium's revenue comes from the spread between interchange and the rate you pay. No padding, no riders.
0%
From monthly fees
No PCI fees, no statement fees, no batch fees, no gateway access fees. If you don't process a card this month, you don't pay this month.
0%
From hardware markup
We pass terminal costs through at our wholesale rate. We don't make money on the box. We make money when the box makes money for you.
the hardware
Built for the counter. And for nobody at the counter.
A countertop terminal that's been in the field for a decade. A self-serve kiosk for when staffing the till stopped making sense. Both certified, both ours.
PAX A920 Pro
PAX A920 Pro terminal
Android 14, all-in-one. Tap, chip, swipe, wireless. 6.56-inch HD+ touchscreen, built-in thermal printer, 4G + WiFi + Bluetooth 5.0. Ships preconfigured to your account.
4G + WiFiConnection
6.56"Touchscreen
$0To start
Self-Serve Kiosk
Payzium Self-Serve Kiosk
Product photography pending
Self-Serve Kiosk
Floor-standing, payment-enabled, designed for unattended checkout. Restaurants, parking, retail, ticketing. Same rate as the counter.
21"Touchscreen
24/7Operation
$0Setup
switching from
Doing the math on your behalf.
Drag the slider to your monthly volume. We'll show what the same volume costs across Square Canada, Stripe Terminal Canada, and Moneris. Your exact savings depend on card mix, ticket size, and current effective rate.
Your monthly card-present volume
$40,000/mo
A typical SMB processing card-present. Drag to your real number.
$5K$50K$100K$150K$200K+
- assumes 1.50% blended Canadian SMB interchange · your actual interchange depends on your card mix
Square Canada
2.5% credit · 0.75% + 7¢ debit
$258saved / month
$3,094 / year
Square Canada splits the rate by card type. The flat 2.5% on credit sits roughly 60 to 90 bps above ours on Square's flat rate, depending on your actual interchange mix.
See full Square Canada comparisonStripe Terminal CA
2.7% + CA$0.05 all cards
$571saved / month
$6,852 / year
Stripe Terminal's CA$0.05 flat is competitive for low ticket. The 2.7% sits roughly 80 to 110 bps above ours on Stripe's flat rate, depending on your actual interchange mix.
See full Stripe Terminal CA comparisonMoneris Flat Rate
2.65% + 10¢ · $29.95/mo terminal
$303saved / month
$3,635 / year
Moneris bundles a $29.95/mo terminal lease into the bill. Strip the lease out and the processing margin still sits roughly 75 to 100 bps above ours on Moneris Flat Rate, depending on your actual interchange mix.
See full Moneris Flat Rate comparisonbuilt for
The rates are flat. The setup isn't.
Restaurants need tip adjustment. Salons need pre-auth holds. Auto shops need invoicing. Same rates across every vertical. Different software defaults out of the box.
it plays nice
Plugs into what you already run.
Shopify
E-commerce
WooCommerce
E-commerce
QuickBooks
Accounting
Xero
Accounting
Magento
E-commerce
BigCommerce
E-commerce
the rate is the whole list
Interchange + 0.30% + 5¢.
Or 0% with surcharging.
Open a free account in under 5 minutes. Most merchants are approved same day, live within 48 hours. The rate you saw is the rate you'll pay.