Ottawa's small businesses serve a city built on stability and steady demand — but rising costs still cut into margins. Dough is the Canadian-owned processor that lowers your rates, gives back through Boost, and treats your business like a partner — not a row on a spreadsheet.
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.
Ottawa runs on a different economy than the rest of Ontario — government, tech, and a steady base of small business that serves both. Demand is consistent, but margins still get squeezed. The last thing an Ottawa business needs is a processor quietly clipping 3% off every transaction.
Most Ottawa merchants are on Square, Moneris, or one of the big bank programs by default. Square charges 2.65% flat — fine at $5K/mo, painful at $30K+. Moneris hides markup in tier coding. The big banks treat your business like a row in a spreadsheet.
Dough is the alternative. We're Canadian-owned and we work with Ottawa businesses every day. Three pricing models — surcharge, IC+, or flat rate — so you can pick what actually fits your business. And the Boost program gives back the margin we make on your account in free websites, social content, and custom AI tools.
Ottawa's economy runs on government, tech, professional services, and the small businesses that serve them all. We process for shops, restaurants, offices, and service businesses across the National Capital Region.
From ByWard Market to the Glebe to Westboro to Hintonburg. Clover Station Duo setups, tip-friendly flows, fast switchovers from Square.
See restaurant pricing →Independent shops across Wellington West, Bank Street, ByWard Market, Westboro. Boost includes a free website to compete with the chains and big-box retailers.
See retail pricing →Hair, beauty, and wellness from the Glebe to Westboro to Kanata. Boost gets you a booking-ready website and monthly social content.
See salon pricing →Chiros, massage therapists, yoga studios, fitness, naturopaths across the capital. Predictable volume, dual pricing optional.
See wellness pricing →Downtown law firms, government consultancies, accountants and consultants across the city. Predictable volume, clean rates, looking professional online.
See professional services pricing →HVAC, plumbing, electrical, contractors across Ottawa and surrounding areas. Big tickets — surcharging works perfectly. On-site invoicing setup.
See trades pricing →Ron ran a transmission shop with Chase for years. The fees kept creeping. The statements were a mess. He could never tell what he was actually paying. Then he switched to Dough.
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.
Ottawa has its share of processor options and most of them charge too much. Here's what changes when you switch to a real Canadian payment processor that gives back.
What most Ottawa businesses are stuck with
What you get with us
Yes. Dough serves businesses across Ottawa and the National Capital Region — from downtown to ByWard Market, the Glebe, Westboro, Hintonburg, and out to Kanata, Orleans, Nepean, Barrhaven, and Gatineau on the Quebec side. We're a Canadian-owned national processor and we work with capital region merchants every day.
Yes. The full Dough setup — application, underwriting, terminal programming, onboarding — happens remotely with phone and video calls. The terminal ships to your business in Ottawa, fully programmed and ready to plug in. Most Ottawa merchants are processing within 2 to 3 days from start to finish.
Two to three days from start to installed. Your bank account stays the same. Your bookkeeping stays the same. The only things that change are the processor handling your card transactions and the terminal on your counter.
Lower rates first. Square's 2.65% all-in is expensive once you're over $10K/month. Moneris hides markup in tier coding. Dough offers three pricing models — surcharge, IC+, or flat rate — pick what fits.
Plus the Boost program gives back free websites, free social content, and custom AI tools based on your processing volume. Most Ottawa merchants who switch save 30-60% on their monthly processing bill.
Yes — for Ottawa, Ontario, surcharging is legal. You can apply up to a 2.4% credit card surcharge under the 2026 rules. Read the surcharging guide for details. If your business is on the Quebec side (Gatineau), surcharging is restricted — but dual pricing gets you to the same financial outcome and is fully legal in Quebec.
Read our full surcharging guide for the details on how it works, signage requirements, and where it fits best.
Same deal. We serve every part of the National Capital Region — Kanata, Orleans, Nepean, Barrhaven, Stittsville, Manotick, plus Gatineau, Aylmer, and Hull on the Quebec side. If your business is anywhere in the capital region, we can get you set up.
Every industry across Ottawa — restaurants, retail, salons, auto repair, trades, professional services (lawyers, accountants, government consultancies), health and wellness, dental, marketing agencies, home services, and more. The only verticals we don't underwrite are high-risk industries like CBD, firearms, gambling, and adult.
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.