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PRICING

Transparent pricing. Show, don't tell.

We don't have a magic rate that fits everyone. Your rate depends on your industry, volume, and average transaction. Here's how it works — and how we quote your specific rate in 24 hours.

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

HOW INTERCHANGE-PLUS WORKS

Two numbers. No mystery markup.

01

Wholesale interchange

Published rates Visa, Mastercard, Amex, Interac charge on every transaction. Same for every processor. Varies by card type (debit, credit, rewards, corporate).

02

SavPay markup

Our fee on top, quoted after we review your last 3 statements. Shown as a separate line on every monthly statement — never buried.

03

Effective rate

What you actually pay per transaction. Lower than flat-rate (Stripe/Square) for most merchants. Lower than going direct to Moneris for 4 out of 5 merchants we quote.

WHAT YOU DON'T PAY

The fees we explicitly do not charge.

Setup fee
Monthly account fee
PCI compliance fee
Monthly minimum penalty
Annual fee
Early-termination penalty
Statement fee
Batch fee

If any of these appear on your SavPay statement, email billing@savpay.ca — we credit them back automatically.

WHAT'S INCLUDED IN EVERY ACCOUNT

No matter your volume.

  • Free rate analysis on your current statements
  • Multi-processor routing across Moneris, Clover, Nuvei
  • Interchange-plus statements (no hidden markups)
  • Named bilingual account contact in Montréal
  • Next-day settlement on most accounts
  • Processor-side PCI DSS L1 (Moneris/Clover/Nuvei) — no card data on SavPay
  • Tokenized card vault for recurring billing
  • Real-time chargeback alerts + one-click dispute

FAQ

Pricing questions.

Why don't you just publish a single rate?+
Because there isn't one. Your real cost depends on industry, monthly volume, average ticket size, and card mix. A restaurant with $400 average tickets pays a very different effective rate than a convenience store with $12 tickets — even on the same processor. We quote your specific rate after reviewing your last 3 statements.
What's interchange-plus and why does it matter?+
Interchange is the wholesale fee Visa/Mastercard/Amex charge — published, fixed, the same for everyone. 'Plus' is our markup on top. With interchange-plus you see both numbers line by line on your statement. With flat-rate pricing (Stripe, Square) you see one number and have no idea how much of it is markup. Interchange-plus is the only honest way to price card processing.
How quickly do I get a real quote?+
24 hours from the moment we receive your last 3 months of processing statements. The quote shows your effective rate, monthly savings vs your current setup, and the exact line items you'd see on your first SavPay statement.
Are there any setup fees or hidden charges?+
No setup fee. No PCI fee. No monthly minimum. No annual fee. No early-termination penalty. If there's a charge on your statement that wasn't in your quote, we credit it back automatically.
What if my volume changes month to month?+
Your rate stays the same. No volume minimums means slow months don't cost you extra. If your volume grows to a level where you'd qualify for an even better rate, your account manager re-shops the processors on your behalf without you asking.

READY?

Get your rate in 24 hours.

Send us your last 3 statements. We send back your real effective rate, monthly savings, and a quote you can sign or walk away from.

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