Dough was founded in Hamilton in 2022 and we still live and work here. Hamilton businesses get lower processing rates, a real human you can actually meet, and a processor that gives back instead of just taking.
Send us your last statement. We'll review it, run the numbers, and tell you straight what you'd save with Dough. No commitment, no pressure.
Dough was started in Hamilton in 2022 by a Hamiltonian who got tired of watching local shops, trades, and restaurants lose money to processors that didn't care. The big banks treat Hamilton like a satellite of Toronto. The big processors treat it like a row in a spreadsheet.
We treat it like home. Because it is.
Our founder lives here. Our team works here. When you call us, you get a real person — not a queue that bounces between time zones. And if your business is in Hamilton, Burlington, Stoney Creek, Ancaster, Dundas, or anywhere in the surrounding area, we'll come to your shop or office to set you up. Face-to-face. The way it should be.
Hamilton's economy runs on steel, services, and small business. We process for shops and offices across every neighbourhood — from West Hamilton to Stoney Creek to the Mountain.
Transmission shops, body shops, mechanics across King, Barton, and the Mountain. High tickets — surcharging works perfectly.
See auto repair pricing →HVAC, plumbing, electrical, contractors. From Westdale renovations to Stoney Creek roofers. Big tickets, on-site invoicing.
See trades pricing →From James Street North to Locke Street to Concession. Clover Station Duo POS, tip-friendly setup, fast switchovers.
See restaurant pricing →Independent shops across Westdale, Ottawa Street, Hess Village. Boost includes a free website to compete with the chains.
See retail pricing →Lawyers, accountants, consultants downtown and across the Mountain. Predictable volume, clean rates, looking professional online.
See professional services pricing →Hair, beauty, and wellness from Locke Street to Concession. Boost gets you a real booking-ready website and monthly social content.
See salon pricing →Ron ran a transmission shop on a major Hamilton-area arterial. Chase had been quietly creeping his rates for years. Statements were a mess. He couldn't tell what he was actually paying.
We were with Chase for years. Statements were a mess, fees kept creeping up. Switched to Dough and within a month I was saving real money. Plus they built our website for free.
Every dollar of margin we make on your account gets reinvested into your business. Free websites, free social media content, free custom AI tools, free Google review cards. The bigger your volume, the bigger the perks.
A real, professional website — 1, 5, or 7 pages depending on your volume tier. Hosting included at Pro and Premium.
8 to 12 posts a month for Facebook and Instagram. Real graphics, real copy, scheduled and ready to post.
A business-specific AI assistant trained on your services, hours, FAQs. Handles your customer questions automatically.
Tap-to-review cards at every Boost tier. Customer taps their phone, leaves you a Google review in 10 seconds.
The big banks built their merchant services for Bay Street, not Barton Street. Here's what changes when you switch to a real Canadian payment processor that's actually based here.
What you get with the big four
What you get with us
Yes. Dough was founded in Hamilton in 2022 and is headquartered here. The founder lives and works in the Hammer. We're not a Toronto company with a satellite office — we're Hamilton through and through.
Yes. If you're in Hamilton, Burlington, Stoney Creek, Ancaster, Dundas, Waterdown, or Grimsby, we'll come to your shop or office. No call centre, no Zoom-only sales pitch — actual face-to-face if that's what you want.
Two to three days from start to installed. We can usually drop off the terminal in person for Hamilton-area merchants, which means we can also walk your team through the setup the same day. Your bank account doesn't change. Your bookkeeping doesn't change. Just the processor and the terminal.
Yes. We serve every industry across Hamilton — auto repair, trades, restaurants, salons, retail, professional services, health and wellness, dental, veterinary. The only verticals we don't underwrite are high-risk industries like CBD, firearms, gambling, and adult.
Lower rates, more pricing flexibility, real human support, and the Boost program — free websites, free social media content, free custom AI tools based on your processing volume. Big banks give you a 1-800 number and nothing else. We give you a partner.
The pricing models matter too. Big banks lock you into tiered pricing where the markup hides in the non-qualified tier. We offer surcharging, dual pricing, Interchange Plus, or flat rate — pick what fits your business.
Yes. Surcharging is legal in Ontario, which means Hamilton merchants can run a 2.4% credit card surcharge program and effectively pay $0 in processing fees on credit transactions. It's particularly good for auto repair shops, trades, and high-ticket service businesses across the area.
Read our full surcharging guide for the details on how it works, signage requirements, and where it fits best.
Same deal. We serve the entire Greater Hamilton Area — Burlington, Stoney Creek, Ancaster, Dundas, Waterdown, Grimsby, Beamsville, Binbrook. If you're within reach of the QEW or the 403, we can come to you.
The full Clover lineup — Clover Flex (most popular), Clover Mini, Clover Station Duo, Clover Flex Pocket — plus the Newland N910 and Ingenico Desk 5000. For online or B2B businesses, we set up Authorize.Net or Converge. See all terminals.
Terminal pricing is determined on the sales call based on your contract structure. Free terminals are available for qualified Pro and Premium tier merchants.
Send us your last statement. We'll review it, run the numbers, and tell you straight what you'd save. If we're not the right fit, we'll tell you that too. No commitment, no pressure, no spam.