Please READ ALL of the information on this page before emailing questions.

    If your questions are NOT answered below, then feel free to email us.

    Our providers has given us the following information;

    We are the only non-bank Commerce Service Provider on the Internet which actually sets up merchants accounts.

    As one of our Merchants, you will be able to sell in either Canadian dollars and/or U.S. dollars (depending on the service option you choose), which will then be converted into the currency of your customer's currency when it shows up on their monthly credit card statement as "YOUR MERCHANT NAME via Merchant Services".

    As part of the merchant set-up, we also provide the secure, on-line real-time transaction processing from your web site without special software or secure servers.

      The funds are wired directly into your bank account. If your account originates in either Canada, you do not need to concern yourself with wiring fees. However, if your account is based in any other country in the world your funds will incur a minor wire fee per batch deposited directly into that account. This can be arranged to be done ONLY when it reaches a certain dollar amount instead, if that is what you want. That must be done via prior arrangements.

      There are various merchant options. For those Canadian Based, US Based and all other Internationally Based. They are each explained below. All prices shown are charged to your accounts in US $.

      These rates are NOT valid if you operate an Adult site, or Gambling site or site originating in Romania. We do NOT provide merchant accounts for adult sites and gambling sites and some companies originating in certain countries. The approval rate is 99.9%!

International Clients are below the Canadian and US based business choices.

APPLICATION FEES ARE REFUNDABLE IF YOU ARE DECLINED!!

For Canadian Based Merchants

   One Time Setup Fee $295 Canadian.*
   Monthly Admin Fee $ 39.00 Cdn.*
   Per Approved Transaction $ 1.50 Cdn.
   Visa/MasterCard/Amex discount rate 4.25%
   RMRF 10%

Starter Canadian Dollar Canadian Based Merchants Order Here

  One Time Setup Fee $395.00 Cdn.*
  Monthly Admin Fee $ 24.95 Cdn.*
  Per Approved Transaction $ 1.50 Cdn.
  Visa/MasterCard/Amex Discount 4.0%
  RMRF 8%

Small CAD Dollar Canadian Based Merchants Order Here
  

Once your transaction volume increases, you can upgrade to the Standard Canadian plan for a one time fee of $50.00*, or to either Canadian and US plan for 150.00*.

   One Time Setup Fee $395 Canadian Dollars*
   Monthly Admin Fee $ 45.00 Cdn.*
   Per Approved Transaction $ 0.45 Cdn.
   Visa/MasterCard discount rate 3.75%
   Amex discount rate 4.5%
   RMRF 8%

Standard Canadian Dollar Canadian Based Merchants Order Here
  

Small Canadian US Dollar & Canadian Dollar**

  One Time Set Up Fee $395*
  Canadian Monthly Fee $24.95*
  US Monthly Fee $25.00
  Per Transaction Fee $1.50 (Cdn & USD)
  Visa/M-C/Discover/Amex Discount Rate 4%
  RMF 8%

Small US & CAD Dollar Can. Based Merchants Order Here

  One Time Set Up Fee $395*
  Canadian Monthly Fee $45.00*
  US Monthly Fee $35.00
  Per Transaction Fee $1.00 USD/ .45 CDN
  Visa/M-C/Discover/Amex Discount Rate 4.5%
  RMF 8%

Canadian Based Merchants Order Here

Canadian & US Dollar

This plan will allow you to charge your customers using VISA, MasterCard, American Express & Discover card in Canadian Dollars, AND charge your customers using VISA, MasterCard & Discover in US Dollars. This plan is for lower volume merchant who wish to accept both Canadian and American dollars.

  One Time Setup Fee $359 USD*
  Monthly Admin $ 25.00 USD*
  Per Approved Transaction(CDN) $ .45 Cdn.$
  Per Approved Transaction (USA) $1.00
  Canadian Discount Rate (Visa, M/C, Discover) 3.75%
  Canadian Amex Discount Rates 4.5%
  US Discount Rate (Visa/MasterCard) 3.5%
  RMRF 8%

Standard US & CAD Dollar US based merchants Order Here

  One Time Setup Fee $300.00 US$
  U.S. Monthly Admin $ 20.00 US$
  Per Approved Transaction $ 1.00 US
  Visa/MasterCard Discount 3.50%
  RMRF 8%

US Based Merchants Order Here

For All Others (Internationally Based)

Starter US Dollar Merchant status

This plan is for lower volume merchant who wish to accept both Canadian and American dollars. For testing the waters. Upgrading later on is allowed for a fee.

  One Time Setup Fee $256 USD
  Monthly Admin $ 40.00 USD
  Per Approved Transaction $2.50 USD
  Discount Rate (Visa, M/C, Discover) 4.85%
  RMRF 11%

Starter US Dollar International Merchants Order Here

  One Time Set Up Fee $507 USD
  US Monthly Fee $35.00
  Per Transaction Fee $1.50 USD
  Visa/M-C/Discover/Amex Discount Rate 3.85%
  RMF 9%

Standard US Dollar International Merchants Order Here

  One Time Set Up Fee $600
  US Monthly Fee $45.00
  Per Transaction Fee $1.50 USD/ 1.00 CDN
  Visa/M-C/Discover Discount Rate US -3.5%, Canadian - 3.85%
  Amex Discount Rate Canadian - 4.5%
  RMF 9%

Standard International US and Candian Dollar Merchants Order Here

Miscellaneous Charges:

Credits: $2.00 ($3.00 Canadian)
Chargebacks: $17.98 ($25.00 Candadian)
Wire Transfer Free $25.18 ($35.00 Canadian)
Check Fee (if requested) $5.00 ($7.50 Canadian)
Change of Name or Bank Account $50.00

* Applicable 7% GST will be applied to these fees.
(Refunded to residents outside of Canada upon application for refund after purchase.)

   **PLEASE NOTE: No Security Deposits Required. There are no upfront deposits for our clients. Instead of a merchant security deposit upfront, we offer a Rolling Merchant Reserve Fund (RMRF) based on 8 % of actual monthly sales. These RMRF funds will be returned to you after six months of being held on a rolling basis.

    For example, if in your first month, your Total Sales using us were $1,500.00, then 8% of $1,500.00 is held $120.00. Then your month #1 RMRF monies will be $120.00. This $120.00 will be returned in month 7, month # 2 monies will be returned in month 8, month # 7 monies will be returned in month 13 etc.

    So every month you are a merchant processing transactions, the Rolling Merchant Reserve Fund will apply.

    No software, hardware or "secure" server is required on the merchants web site to access our service, only a simple hyperlink button.

    Merchants are paid on the 15th and 30th of each month FOR SALES EARNED IN THAT PERIOD OF THE MONTH, NOT 30 days or 60 days after the sale.

    This is very important because it has proven effective in preventing chargebacks, when your customer recognizes " YOUR MERCHANT NAME" as opposed to another company which lets you use their merchant status and " THEIR MERCHANT NAME" shows up on "YOUR CUSTOMERS" credit card statement.

    All your credit card sales are dispersed to you, the merchant less the applicable fees.

    All credit card monies are dispersed electronically into your Canadian Bank Account for CDN dollars at NO CHARGE and via cheque/wire transfer for US dollars. There will be a $35.00 Cdn ($25.18 USD) charge for wire transfers and $2.00 Cdn ($1.44 US) for cheque. Via mail is the standard for U.S. dollar payments.