CASE STUDIES

Real merchants. Real numbers.

How Canadian merchants cut processing rates, accessed working capital faster, and grew with SavPay.

See What You'd Save

Merchant identities anonymized. Figures are real — within typical ranges for SavPay outcomes.

Hospitality

Greater Montréal

·Multi-location · 5 restaurants

A Montréal restaurant group cut effective rates from 2.9% to 1.4% across all locations.

THE CHALLENGE

An established multi-location restaurant group was processing ~$650K/month split between a bank ISO and a legacy Clover deal. Statements showed inconsistent rates across locations, and the bank had stopped responding to rate-renegotiation requests.

THE SOLUTION

SavPay ran a side-by-side comparison across all 5 locations using interchange-plus pricing on Moneris and re-provisioned the existing Clover hardware. One unified merchant agreement, transparent statements, monthly reconciliation.

THE OUTCOME

Effective rate dropped from 2.9% to 1.4% within two billing cycles. The savings funded a new line cook at the busiest location without touching the operations budget.

“Our previous processor stopped picking up calls. SavPay rewrote our entire merchant agreement in a week and showed us every cost line. We're not going back.”

— Owner, multi-location restaurant group

KEY OUTCOMES

Rate drop

−52%

Monthly savings

~$9,800

Cutover time

9 days

Profile

$650K/mo processing volume · 5 locations

Retail

Toronto

·MCA · Expansion capital

A Toronto retailer opened their second location six weeks after a 24-hour MCA approval.

THE CHALLENGE

A growing retail business found a second storefront lease but their bank's line-of-credit application was deep in committee review. The lease window was 30 days — the bank's timeline was indefinite.

THE SOLUTION

SavPay underwrote a merchant cash advance based on 14 months of card-processing history. Application submitted at 9 AM, approval by 4 PM the same day, funds deposited within 36 hours. No collateral, no personal credit pull.

THE OUTCOME

The retailer signed the second lease the week of approval and opened doors six weeks later. The MCA repaid via 8% daily holdback finished ahead of schedule as new-location revenue exceeded plan.

“The bank would have taken three months. SavPay gave me a real decision the same day I applied. Lease was signed that Friday.”

— Owner, retail chain

KEY OUTCOMES

Decision time

Same day

Funds in account

36 hours

New location open

6 weeks

Profile

$120K/mo processing volume · 2 locations

Healthcare

Québec City

·Multi-clinic · Mixed processors

A Québec City clinic network consolidated 8 processors into one bilingual relationship.

THE CHALLENGE

A clinic network had inherited 8 different processor relationships across acquired locations — different rates, different deposit timing, different statement formats, no unified reporting. The CFO was spending half her time on payment-processor admin.

THE SOLUTION

SavPay consolidated all 8 locations onto Nuvei + Clover with a single merchant agreement, single statement, single point of contact (bilingual French/English). Monthly volume rebated against a tiered interchange-plus structure.

THE OUTCOME

CFO admin time on processing dropped ~70%. All clinics now reconcile daily card deposits against a single dashboard. Annual savings allowed an additional part-time admin hire across the network.

“We needed someone who spoke French, understood multi-location reporting, and would actually pick up the phone. SavPay was the only ISO that did all three.”

— CFO, clinic network

KEY OUTCOMES

Processors unified

8 → 1

CFO admin time

−70%

Statement format

Single

Profile

Multi-location healthcare · Bilingual ops

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A Montréal restaurant group cut effective rates from 2.9% to 1.4% across all locations.

THE CHALLENGE

THE SOLUTION

THE OUTCOME

Effective rate dropped from 2.9% to 1.4% within two billing cycles. The savings funded a new line cook at the busiest location without touching the operations budget.

“Our previous processor stopped picking up calls. SavPay rewrote our entire merchant agreement in a week and showed us every cost line. We're not going back.”

— Owner, multi-location restaurant group

A Toronto retailer opened their second location six weeks after a 24-hour MCA approval.

THE CHALLENGE

THE SOLUTION

THE OUTCOME

The retailer signed the second lease the week of approval and opened doors six weeks later. The MCA repaid via 8% daily holdback finished ahead of schedule as new-location revenue exceeded plan.

“The bank would have taken three months. SavPay gave me a real decision the same day I applied. Lease was signed that Friday.”

— Owner, retail chain

A Québec City clinic network consolidated 8 processors into one bilingual relationship.

THE CHALLENGE

THE SOLUTION

THE OUTCOME

CFO admin time on processing dropped ~70%. All clinics now reconcile daily card deposits against a single dashboard. Annual savings allowed an additional part-time admin hire across the network.

“We needed someone who spoke French, understood multi-location reporting, and would actually pick up the phone. SavPay was the only ISO that did all three.”

— CFO, clinic network