The library most processors don't want you reading. Surcharging, dual pricing, interchange, statement audits — written in plain English for Canadian business owners, not finance majors.
Where it's legal, how it works, the 2.4% cap, the 30-day notice rule, and why it's the fastest way to a $0 processing bill for high-ticket merchants.
Read the guide → Pricing modelThe model that works in every province — including Quebec. Cash price vs card price, how to implement it, and why it's the right move when surcharging doesn't fit.
Read the guide →The most transparent pricing model in payments. What interchange actually is, where the 0.20% markup goes, and how to spot processors quietly upcharging on it.
Coming soon →What PCI actually requires, what the PCI fee on your statement pays for, and the 90% of compliance work your processor handles for you automatically.
Coming soon →How chargebacks actually work, the documentation that wins disputes, and why some processors quietly side with the cardholder over you.
Coming soon →The new 2.4% surcharge cap, what changed in disclosure requirements, and what merchants need to do now to stay compliant.
Coming soon →The 2–3 day playbook. What stays the same (your bank, your bookkeeping), what changes (your terminal), and how to keep money moving the whole way through.
Coming soon →Line by line walkthrough of a real Canadian merchant statement. Spot the hidden fees, decode the tier coding, calculate your true effective rate.
Read the guide →PCI fees, batch fees, network access fees, "non-qualified" tier upcharges, monthly minimum shortfalls. The line items most owners never decode.
Coming soon →The honest explanation. Why "free" terminals come with multi-year contracts, when the math actually pencils out, and when you should pay upfront instead.
Coming soon →Reading is fine. Acting on what you read is better. Here's the playbook.
Read the merchant statement guide first. You can't fix what you can't see — and most owners can't see what they're paying.
Surcharging, dual pricing, IC+, or flat. The three pricing model guides walk you through which one keeps the most dough in your pocket.
Or skip the reading entirely. Send your last statement and we'll do the math for you — no commitment, custom quote within 24 hours.
The fastest way to learn what's on your statement is to put it in front of a real human. No commitment, no spam, custom quote within 24 hours.