Skip to main content
🇨🇦 SavPay is Canadian-owned, bilingual, and approved in 24 hours.Voir en français →
PAYMENTS • POS • CAPITAL • WEB & SOFTWARE

Canadian payment processingand every tool your business runs on.

Payments with Moneris, Clover, Nuvei, Square and Shopify — plus POS, merchant cash advances, American Express business cards, websites and custom software. One bilingual team in Montréal, approved in 24 hours.

Get My Free Rate Analysis See how it works →

No setup fee. No long-term lock-in. No sales pressure.

Our partners & ways to pay

MonerisCloverNuveiSquareShopifyAmerican ExpressVisaMastercardInteracDiscoverUnionPayApple PayGoogle PaySamsung Pay

1,500+

Merchants

$700M+

Processed

99.9%

Uptime

24hr

Approval

WHY SAVPAY

We make Canadian payments easy.

Four things that don't change, no matter how big your business gets.

Bilingual team based in Montréal

Canadian fintech built by Canadians.

Real human on the phone

Our support team answers. No bots, no overseas call centre, no 72-hour ticket queue.

Scales with you

From your first terminal to multi-location groups. One team that grows with you.

Approved in 24 hours

Application takes 10 minutes. Decision in 24 hours. Equipment deployed in 72 hours. You start earning faster.

THE PROBLEM

You're probably overpaying. We'll prove it.

Most Canadian merchants pay 2.5–3.5% in processing fees without knowing why. The problem isn't the technology — it's never having someone actually in your corner.

The status quo

  • Anonymous global processors
  • Hidden fee structures
  • No local Canadian support

The SavPay way

  • Rate transparency
  • 5 processors: Moneris, Clover, Nuvei, Square, Shopify
  • Montréal-based team

ONE PARTNER

Everything your business runs on. One team.

Payments are where we start. From the terminal on your counter to the website, the software and the capital behind it — SavPay builds, connects and supports it all.

Payment processing

Moneris — our primary partner — plus Clover, Nuvei, Square and Shopify. In-store, online and on the go, with the pricing model that fits your business.

POS & terminals

Clover, Moneris Go, Square and Shopify POS hardware — programmed and tested before it reaches your counter.

E-commerce & Shopify

Shopify stores designed, migrated and launched by our team, with payments and POS built in.

Working capital

Merchant cash advances based on your sales history. Decision in about 48 hours. No collateral.

Web & software

Websites, apps and custom software from our in-house development team.

Automation, marketing & intelligence

AI automation, marketing and business intelligence that grow revenue without adding headcount.

AutomationMarketingIntelligence
Explore business solutions
American Express business cards on a desk
American Express

AMERICAN EXPRESS PARTNER

American Express business cards, chosen with you.

SavPay is an American Express partner. We compare the Amex business cards that fit how your company spends, guide your application and can set you up to accept Amex at your counter — one contact for both.

  • Rewards, travel and cash-flow cards for owners and their teams
  • Employee cards and expense tools that connect to your accounting
  • Issued by Amex Bank of Canada, subject to approval — guidance from our Montréal team
Explore Amex business cards Talk to us about Amex

Twelve industries, each with its own setup, hardware and software connections.

Built for your industry — not adapted from someone else's.

Savings Calculator

See your savings before you sign anything.

Enter your current processing volume and rate. We'll show you what's possible — instantly, no email required for the estimate.

$50,000

$5K$500K

2.75%

1.80%4.00%

You Currently Pay

$1,375/mo

With SavPay (~1.7%)

$850/mo

Annual Savings

$6,300

Estimates based on average SavPay merchant outcomes. Your savings may vary.

SOCIAL PROOF

1,500 merchants don't lie.

“We were paying 2.9% through our bank. SavPay got us to 1.35% in a week. That's $2,400 a month we keep now.”
MP

Marie-Pierre L.

Restaurant Owner, Laval

“The MCA came through in 18 hours. We used it to open our second location. No bank would have moved that fast.”
RK

Raj K.

Franchise Owner, Toronto

LIVE FROM GOOGLE

“"Excellent service! Direct response and no hidden fees. Thank you to the SavPay team."”
FE

Fred Erick

Google Review

5.0·View Google reviews

FAQ

Questions you'd ask if we were sitting across from you.

How long does switching processors actually take?+
Typically 3–5 business days from when we receive your signed agreement. We handle the processor switch, equipment programming, and go-live testing. You keep accepting payments throughout — there's no downtime window.
What's the catch on rates this low?+
No catch. We're an ISO, which means we make money on the spread between wholesale interchange and what you pay. By routing you to the right processor for your transaction profile, we reduce that spread and still earn a margin. You save. We earn. Both sides win.
How fast can I get funded with a merchant cash advance?+
We typically issue a decision within about 48 hours of receiving your last 3 months of processing statements. Funds arrive in your account within 1–2 business days after approval. The whole process, start to funded, is usually under 72 hours.
Is SavPay right for small businesses?+
Yes — small businesses are our most common profile. Most new SavPay merchants are 1–5 employee operations: neighbourhood restaurants, salons, garages, boutiques. No monthly minimums, no hidden fees. You get the same transparent rate our biggest customers get, without having to negotiate like a 200-location chain.
Do you offer Square, or only traditional processors?+
Both. SavPay works with five processors: Moneris (our primary partner), Clover, Nuvei, Square and Shopify. We are a registered Moneris ISO, an authorized Fiserv (Clover) and Nuvei agent, an authorized Square reseller and a Shopify Partner. We review how you sell — volume, average ticket, in-store or online — and lay the options out side by side, so you choose with every number in front of you. Canadian support and access to merchant cash advances come with all of them.
See all FAQs

Still wondering? Text us your question at +1 (514) 863-6540 — real human, real answer, usually within an hour.

GET STARTED

Ready to stop overpaying?

Join 1,500+ Canadian businesses saving more of every transaction.

Get My Free Rate Analysis Call +1 (514) 863-6540