Canadian Choice Award Winner — 3 years running

Your processor should do more than just take.

You pay so much in processing fees. Wouldn't it be great if you actually got something back? Dough is the first Canadian processor that hands you a website, social media, AI tools, or a free terminal — based on what you process. Lower rates. Built-in growth. No briefcase, just a coffee and a chat.

No long forms
No pushy reps
Free to switch
Get Started

See how Dough could grow your business

Tell us a little about you. We'll get back within one business day with a no-pressure look at what you'd save and what Boost perks you'd qualify for.

3x
Canadian Choice Award winner
10+
Years in payments
1000+
Canadian businesses served
$0
In switching fees, ever

Most processors take. They never give back.

You sign up for a "low rate." A few months later, the rates creep up. The statements get fuzzier. The fees pile on. And you're back on the same hamster wheel — calling around, comparing rates, switching processors, doing it all again next year. Sound familiar?

  • Bait-and-switch rates that climb every quarter
  • Statements designed to confuse, not inform
  • Fees with names you've never heard of
  • Zero help growing the business they're profiting from
  • You don't get to pick your pricing model — they pick for you
Card sales (March) $28,400.00
Discount fee (3.1%) −$880.40
Non-qualified surcharge −$148.20
Monthly minimum fee −$25.00
"PCI compliance" fee −$19.99
Statement fee −$12.50
Total fees this month $1,086.09
What Dough would charge instead ~$340/mo

Three things every other processor refuses to do.

We didn't build Dough to shave a few pennies off your rate. We built it to flip the relationship between processor and business owner. Here's what that actually means.

Pillar 01

Fees that drop, or disappear.

Three pricing models — surcharge, interchange-plus, or flat rate. You pick. We don't push you onto whatever pays us most. Some merchants pay zero in processing because the surcharge covers it. Others get rates so low they cancel half their old "fees" outright.

Pillar 02

The Boost Program.

Based on your processing volume, you get a free website, monthly social media content, custom AI tools, or a free terminal. The bigger you grow, the more we hand back. No other processor in Canada gives you this. Period.

Pillar 03

You get a real human.

You won't be ticket #4172 in a Mumbai call queue. You'll have someone who picks up the phone, walks into your shop, and actually understands your business. We're a Canadian crew. We process for everyone from auto shops to retail to trades. We answer when you call.

Free stuff. Based on what you process.

You're already paying processing fees. Why shouldn't you get something back? Dough Boost gives every merchant a website, social media, AI tools, or a Google review card — based on monthly card volume. Every tier includes a free Google review card. Always.

Boost Starter
Just getting going
Under $10K/mo in card volume
Pick one of these:
  • 1-page website (hosting $50/mo)
  • 1 month of social content (FB + IG, graphics + copy)
  • Custom GPT built for your business
  • Free Google review card included
Boost Premium
Crushing it
$50K+/mo in card volume
Pick one path:
  • Free 7-page website (hosting included)
  • OR free monthly social (12 posts) + free Custom GPT
  • Free Google review card included

Want the full breakdown of what's included at each tier?

See the full Boost program →

Three ways to pay. You pick.

Every other processor decides for you. We show you the math on all three, and the merchant picks whichever puts more money back in their pocket. No tricks, no upgrades pushed by "your account manager."

Surcharge
2.4%
always — paid by the customer

Pay zero in processing.

The customer covers the 2.4% on credit cards. You bank the full ticket. Set up correctly and legally — most processors won't bother showing you how. We do.

Best for
Brick-and-mortar, higher tickets, surcharge-friendly customers (auto, trades, retail).
Interchange Plus
IC + 0.20%
transparent markup, no buckets

Lowest possible rate, no markup tricks.

You pay the wholesale interchange (set by Visa/Mastercard) plus a transparent markup we set per business. No "non-qualified" buckets, no padded categories. Just real cost plus a small spread.

Best for
Merchants who want the lowest rate but don't want to pass fees to customers.
Markup may vary based on industry and risk profile.
Flat Rate
2.75% + 15¢
per transaction

Beats Stripe, Square, and PayPal online.

Simple, predictable, and lower than the big online platforms. Same rate for any card, any transaction. No statement headaches. Built for online and card-not-present businesses.

Best for
E-commerce, online services, invoicing, virtual terminals.

Not sure which model fits? We'll run the numbers on your last statement — free.

See pricing breakdown →

Hardware that just works.

Wireless, countertop, full POS, or no-frills mobile — pick what fits your shop. Most merchants get their terminal free with the Boost program. Every terminal is PCI-compliant and ready out of the box.

The proof is in the dough.

Real Canadian businesses. Real savings. Real Boost program perks delivered every month.

★★★★★

"They didn't just lower my fees. They rebuilt my website, taught me how to use AI in my business, got me ranking on Google, and run my socials every month. All because I process with Dough."

Kent K.
Owner, KK Services
Boost Premium
★★★★★

"Dough built me a custom GPT that handles my marketing, content, and strategy. As a newer business, this kind of support is everything. I'm now bringing in $50K+/mo."

Michelle
Service-based business
+$50K/mo
★★★★★

"I was getting bent over by Chase. Dough switched me to dual pricing and I save around $800 a month. They walked me through everything. Wish I'd switched years ago."

Ron
Ron's Transmission
~$800/mo saved

Switching takes 2 to 3 days.

No long sales pitch. No 90-day onboarding. Send us your last statement, we'll run the math, and if it makes sense, we move you over fast.

01

Tell us about you

Quick form. Business name, monthly volume, current processor. Takes 90 seconds.

02

We run the math

Send your latest statement. We'll show you exactly what you'd save and which Boost tier you'd qualify for.

03

You pick the model

Surcharge, IC+, or flat rate. We'll explain the trade-offs. You choose what fits.

04

Switched in 2-3 days

We handle the underwriting, terminal setup, and Boost onboarding. You keep selling.

The questions everyone asks first.

No catch. We make money processing your payments. Instead of pocketing all the margin, we put a chunk of it back into your business — a website, social media, a custom GPT, a free terminal. The more you process, the more we hand back. Business owners qualify based on volume.
Yes. As of October 2022, Canadian merchants can surcharge credit card transactions up to 2.4%. There are specific rules around signage, disclosure, and how it appears on receipts. We set you up correctly so you stay compliant. Most processors won't show you how, even though it's legal.
Yes. The Boost program is funded by your processing volume — we use part of our margin to give you the website, social, AI tools, etc. So you have to be processing with Dough. Most merchants find that Dough's rates already beat their current processor before the Boost stuff is even factored in.
Our terminal contracts are 4 years. You can also buy your terminal outright, or qualify for a free terminal if your volume supports it. No long contracts on the processing side — your rates are locked in for the term.
Clover Flex (our most popular — wireless, all-in-one), Clover Mini (countertop), Clover Station Duo (full restaurant POS), Desk5000 (simple wired countertop), Move5000 (no-frills mobile with SIM card), and Authorize.net gateway for online and card-not-present businesses. See all terminals and specs →

Make more dough with Dough.

Lower fees. Free website, social, or AI tools. Real humans. Three Canadian Choice Awards in a row. The only catch is you'll wonder why you waited so long. #teamsmallbusiness