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🇨🇦 SavPay is Canadian-owned, bilingual, and approved in 24 hours.Voir en français →
CANADIAN PAYMENT INFRASTRUCTURE

Every transaction. Every dollar.Working harder.

SavPay connects Canadian businesses to the country's most powerful payment networks — while keeping more money in your pocket. Transparent pricing. Real humans. Approved in 24 hours.

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

1,300+

Merchants¹

$500M+

Processed²

99.9%

Uptime³

24hr

Approval⁴

¹ Cumulative active merchant count, SavPay internal data, 2026. ² Cumulative volume processed across all SavPay merchants since founding. ³ Network availability measured across our direct processor partners (Moneris, Fiserv, Nuvei), 2025. ⁴ Median time from completed application to underwriting decision.

WHY SAVPAY

We make Canadian payments easy.

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

Canadian, top to bottom

Incorporated in Québec. Team in Montréal. Bilingual EN/FR. Canadian payments 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 200+ locations. One contract, one team, one ramp — we grow when you grow.

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
  • 3 direct processors + 12+ network partners
  • Montréal-based team

REVENUE STACK

One partner. Three ways to grow.

Not just payments — a full business revenue stack built for Canadian merchants.

Six sectors. Six merchant profiles. Six tailored approaches.

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.

COMPARISON

The honest comparison you won't find elsewhere.

FeatureSavPayStripeSquareBank ISO
Multi-network routing✓ 3 processors + 12+ networks✗✗✗
Canadian human support✓ MontréalTicket onlyLimitedBranch hours
Merchant cash advance✓ 24 hoursStripe CapitalSquare Loans✗
Bilingual (EN/FR)✓ NativeEN onlyPartialVaries
Rate negotiation✓ ActiveFixedFixedRare

SOCIAL PROOF

1,300 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

FOR ENTERPRISE

Processing $1M+ per year? Let's have a real conversation.

Custom rate structures, dedicated account management, multi-location reporting, and enterprise SLAs. Not a template — a solution built around your business.

See enterprise solutions

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 24 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.
Why choose SavPay over Stripe or Square?+
Stripe and Square offer a single flat rate across every transaction — convenient, but typically 0.3–1.2% above market if your transaction profile is favourable (card-present, debit, larger tickets). SavPay runs on interchange-plus across 3 direct processors: we route you to the one that matches your profile and share the savings. Plus the free rate analysis, Canadian human support, and access to merchant cash advances — none of which Stripe and Square match (or match at the same level).
See all FAQs

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

FREE RATE ANALYSIS

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Ready to stop overpaying?

Join 1,300+ Canadian businesses saving more of every transaction.

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