KW is one of the most overlooked business markets in Ontario. Tech, manufacturing, trades, agencies, restaurants — every kind of business pays too much in processing fees. Dough is a Canadian processor that lowers your rates AND reinvests our margin into your business. Free websites, free social, real support. From Uptown Waterloo to Downtown Kitchener to Cambridge — we process for businesses across the region.
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 is a Canadian payment processor based in Hamilton, Ontario — about an hour east on the 401. We serve Kitchener-Waterloo businesses the same way we serve every business across the country: real people, real conversations, lower fees, and a Boost program that gives back free websites and content.
KW's economy is unique. Tech and software talent that rivals Toronto. Manufacturing shops that built this region. Conestoga College and the universities pumping students through. Mennonite-rooted agriculture out toward St. Jacobs and Elmira. Marketing agencies and software teams in Uptown Waterloo. Restaurants and retail downtown.
We process for that whole mix — and our agency-friendly stack (Authorize.Net, Converge, HighLevel integrations) makes us a natural fit for the tech and services side. When you call us, you get a real person.
Waterloo Region's mix is one of the most varied in Ontario — tech and agencies in Uptown Waterloo, manufacturing across Cambridge, retail downtown Kitchener, restaurants in Belmont Village and Uptown. We process for shops, agencies, and offices across the whole region.
KW is full of agencies and software teams. We're the agency-friendly Stripe alternative — no random account freezes, HighLevel integration ready.
See marketing agencies pricing →HVAC, plumbing, electrical, contractors across Waterloo Region. Big tickets, on-site invoicing, surcharge-friendly.
See trades and contractors pricing →From Belmont Village to Uptown Waterloo to King Street East. Clover Station Duo POS, tip-friendly setup, fast switchovers.
See restaurants and cafés pricing →Independent shops in Uptown Waterloo, Belmont Village, downtown Kitchener, and St. Jacobs Market area. Boost includes a free website.
See retail and boutiques pricing →Lawyers, accountants, consultants across downtown Kitchener and Uptown. Predictable volume, clean rates, looking professional online.
See professional services pricing →Mechanics and body shops across Kitchener, Waterloo, and Cambridge. High tickets — surcharging works perfectly.
See auto repair pricing →Ron ran an auto shop with high-ticket repairs. Chase had been 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 downtown Toronto. Waterloo Region gets the leftover template. Here's what changes when you switch to a Canadian processor that actually picks up the phone.
What you get with the big four
What you get with us
Yes. We're a Canadian processor based in Hamilton, Ontario — about an hour east on the 401. We serve Kitchener, Waterloo, Cambridge, and the surrounding region the same way we serve businesses anywhere in Canada: real Canadian support, fast onboarding, and Boost perks based on your processing volume.
We do most of our onboarding by phone and email, but for larger merchants in Waterloo Region we'll come in person when it makes sense. Either way, you get a real human — not a call centre.
Two to three days from start to installed. Terminal ships overnight, programmed and ready to go. Your bank account doesn't change. Your bookkeeping doesn't change. Just the processor and the terminal.
Yes — agencies are a deliberate focus for us. We integrate with HighLevel (GHL) and offer Authorize.Net and Converge for recurring billing, virtual terminals, and B2B invoicing. We're a real Stripe alternative for Canadian agencies, with none of the random account freezes.
Yes. Surcharging is legal in Ontario, which means Waterloo Region merchants can run a 2.4% credit card surcharge program and effectively pay $0 in processing fees on credit transactions. Read our full surcharging guide for the details.
Same deal. We serve all of Waterloo Region including Cambridge, St. Jacobs, Elmira, Conestoga, Breslau, New Hamburg, Baden, and Ayr.
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.