Head-to-head, honestly
How Payzium compares against the processors merchants leave. No spin, just the math.
We process payments at interchange + 0.30% + 5¢ Tier 1 margin: the same fees the card networks charge us, plus a thin transparent margin. Below is what that looks like next to the flat-rate, bundled, and legacy structures most merchants come from.
Payzium vs
Square
Square's 2.5% in-person flat rate is fine until you scale. Past about $15K/month you're paying for interchange you can't see, and hardware lock-in compounds the switching cost.
Payzium vs
Global Payments
Global Payments runs many bank-bundled merchant programs in Canada. The headline rate is rarely the effective rate; FTNQ surcharges and monthly admin fees stack on top.
Payzium vs
Moneris
Moneris Flat Rate at 2.65% + 10¢ is the most expensive way to take credit cards if you're a smaller Canadian merchant. Honest math at $40K/month.
don't see yours
On a different processor?
Square, Global Payments, and Moneris are the most common processors merchants switch from. If you're on Helcim, Clover, BMO Merchant Services, Stripe, Toast, Worldpay, Elavon, or anyone else, the same wholesale-plus math applies.
Open a free account in five minutes. The rate structure is the same regardless of who you're leaving: interchange at cost, 0.30% + 5¢ margin Tier 1, lower as you scale.
Honest math
Honest math. Decide from there.
Wholesale-plus pricing at interchange + 0.30% + 5¢ Tier 1 margin. 90-day Profit Guarantee in writing. No setup, no contracts, no PCI fee, no monthly minimum.