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🇨🇦 SavPay is Canadian-owned, bilingual, and approved in 24 hours.Voir en français →
Fast Processing
Quick Onboarding
Canadian Support

PAYMENT PROCESSING

The lowest rate your business qualifies for. Found automatically.

SavPay compares your transaction profile across Moneris, Clover, and Nuvei. You get the best fit — not whoever has the best sales rep that day.

Get My Free Rate Analysis See how routing works ↓

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

MULTI-NETWORK ROUTING

Most processors sell you one rate. We shop three.

When you apply to a single processor, they put you in their box. SavPay sends your transaction profile to all 3 of our direct processors — Moneris, Clover, and Nuvei — and matches you to whichever quotes the lowest effective rate for YOUR business. The other 2 don't get a vote.

STEP 1

Your business profile

Industry, volume, average ticket, location.

STEP 2

Our routing engine

Compare 3 custom quotes in 24 hours.

STEP 3

Your match

Lowest effective rate. No markup games.

ACCEPTANCE EVERYWHERE

In-store. Online. On the go. One agreement.

In-Store

Clover, Moneris, and Nuvei terminals. Tap, dip, swipe, contactless. EMV + Interac native. Hardware quoted on application.

Online

Shopify, WooCommerce, Magento, custom checkouts. Recurring billing, fraud tools, 3-D Secure 2.

Mobile & Virtual

Take payments on a phone or tablet. Send pay-by-text links. Generate invoices that pay themselves.

OUR PLEDGE

We show you the interchange. We show you our markup. No hidden fees. Ever.

Most processors quote you a flat rate and pocket the difference between wholesale and your bill. SavPay shows you the wholesale interchange your transactions qualify for, plus our markup, line by line. Want to verify? We'll explain every line on your first statement.

WHAT IT LOOKS LIKE ON YOUR STATEMENT

Interchange (wholesale cost per card type)Variable
Network assessments (Visa/MC)Pass-through
SavPay markupQuoted on application
Total: line by line, every monthTransparent

Your exact rate depends on industry, volume, average ticket, and card mix. We quote it after reviewing your last 3 statements — no obligation.

POS & GATEWAY INTEGRATIONS

Plays nice with your current stack.

20+ POS systems and gateways supported. Your existing hardware most likely stays put.

Moneris
Clover
Nuvei
Fiserv
Authorize.Net
Paymentree
MevConnect
Lightspeed
TouchBistro
Shopify POS
Square
POSitouch
Oracle Micros
Squirrel Systems
Acceo Logivision
Volanté
NCR Aloha
QuickBooks
Xero
Jane App
Cliniko
Mindbody
Moneris
Clover
Nuvei
Fiserv
Authorize.Net
Paymentree
MevConnect
Lightspeed
TouchBistro
Shopify POS
Square
POSitouch
Oracle Micros
Squirrel Systems
Acceo Logivision
Volanté
NCR Aloha
QuickBooks
Xero
Jane App
Cliniko
Mindbody
See all integrations

INDUSTRIES

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

FAQ

Payments questions. Real answers.

How are you cheaper than going direct to Moneris?+
Because Moneris quotes you their list rate. We quote you the rate Moneris will actually give us to win your account — and we compare it against what Clover and Nuvei will quote at the same time. The processor that comes back cheapest wins your business. You can't run that auction yourself.
What's the difference between interchange-plus and flat-rate pricing?+
Flat-rate (Stripe, Square) charges you the same percentage on every card — 2.9%. You pay the same on a debit card as on an Amex Platinum. Interchange-plus shows you the wholesale cost of each card type (debit is often under 1%) plus our fixed markup. Lower bills, full transparency, line-by-line on every statement.
Do I have to use Clover, or can I keep my existing terminals?+
Most existing terminals work. We support Clover, Moneris Go, A35, Nuvei Desk 5000, A920, and most Verifone units. If your current terminal is PCI-current and unlocked, we re-deploy it on the new processor. If it's locked, we ship new hardware at cost.
What happens if my volume grows or shrinks?+
No monthly minimums. No volume penalties. Your rate stays the same whether you process $5K or $500K this month. If your volume crosses a tier where you could qualify for a better rate, your account manager flags it and re-shops the processors. You don't have to ask.
How fast can I switch from my current processor?+
Most merchants are approved in 24–48 hours, equipment programmed within 72 hours, fully cut over within a week. We coordinate the switch with your current processor so you keep taking payments throughout — there's no downtime window.
Am I locked into a long-term contract? What if I'm still under contract with my current processor?+
No long-term lock-in and no early-termination penalty on our side — if we stop earning your business, you can leave. If you're still under contract elsewhere, send us the agreement: we review your contract and quantify the exit cost so you can see exactly whether the switch pays for itself before you sign anything.
How fast do I get my money after a sale?+
Settlement is handled by the processor your account runs on — typically next business day for most accounts. Your exact payout schedule is confirmed in your quote before you sign, so there are no surprises after go-live.
Who do I call when something breaks?+
Our Montréal team, Monday–Friday 9:30 AM–4:30 PM EST, in English or French. After hours, calls transfer automatically to our processors' 24/7 support lines — Moneris, Clover, and Nuvei all run round-the-clock terminal support.

READY?

Ready to stop overpaying?

Free analysis. Answer in 24 hours. No obligation.

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