Toronto businesses get squeezed by Square, locked in by Moneris, and ignored by the big banks. Dough is the Canadian-owned processor that lowers your rates, gives back through Boost, and treats your business like it matters — because it does.
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.
Toronto small businesses face a unique squeeze. The rent's higher than anywhere else in Canada. The labour costs are higher. The competition is fiercer. The last thing you need is a payment processor quietly taking 3% of every transaction.
That's the situation most Toronto shops are in. Square charges 2.65% flat — which sounds reasonable until you hit $30K/month and realize you're paying nearly $800 in fees on processing that should cost half that. Moneris hides markup in tier coding. The big banks treat your business like a row in a spreadsheet.
Dough is built different. We're Canadian-owned, headquartered in Hamilton, and we work with Toronto businesses every single day. Lower fees, three pricing models to pick from, and the Boost program gives back the margin we make on your account. Free websites, free social media content, free custom AI tools — based on your processing volume.
Toronto's economy runs on small business. We process for shops, offices, and restaurants across the GTA, from the downtown core to North York to Etobicoke to Scarborough.
From Ossington to Yonge-Eglinton to Roncesvalles. Full Clover POS setups, tip-friendly flows, fast switchovers from Square or Moneris.
See restaurant pricing →Independent shops across Queen West, Kensington, Leslieville, the Distillery. Boost gives you a free website to compete with the chains.
See retail pricing →Bay Street lawyers, midtown accountants, consulting firms across the core. Predictable volume, clean rates, looking professional online.
See professional services pricing →Toronto has the highest concentration of agencies in Canada. We're the Stripe alternative that doesn't freeze your account or hold your funds for 90 days.
See agency pricing →Hair, beauty, and wellness from Yorkville to Liberty Village to Bloor West. Boost gets you a booking-ready website and monthly social content.
See salon pricing →Chiropractors, massage therapists, fitness studios, physiotherapists across the city. Predictable volume, dual pricing optional.
See wellness 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.
Toronto has more processor options than anywhere else in Canada — 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 Toronto businesses are stuck with
What you get with us
Yes. Dough serves businesses across all of Toronto and the GTA — from downtown to North York, Scarborough, Etobicoke, and out into Mississauga, Markham, Vaughan, and Richmond Hill. We're headquartered in Hamilton, but Toronto is right next door, and we work with Toronto merchants every day.
Yes. We do in-person meetings across the GTA. Our founder is in Toronto regularly and we'll come to your shop, office, or restaurant to walk you through the setup. No call centre routing, no Zoom-only sales pitch — actual face-to-face if that's what you want.
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 one of the most expensive ways to process cards 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 Toronto merchants who switch save 30-60% on their monthly processing bill.
Yes. Surcharging is legal across Ontario, including Toronto. It's especially well-suited to high-ticket businesses — auto repair, trades, professional services. Under the 2026 rules, you can apply up to a 2.4% surcharge on credit cards, effectively reducing your processing cost to near zero.
Read our full surcharging guide for how it works, signage requirements, and where it fits best.
Same deal. We serve every part of the GTA — Scarborough, North York, Etobicoke, East York, York, plus Mississauga, Markham, Vaughan, Richmond Hill, Brampton, Pickering, Ajax. If you're within reach of the 401, the 400, the QEW, or the DVP, we can come to you.
Every industry across Toronto — auto repair, trades, restaurants, salons, retail, professional services (lawyers, accountants, consultants), 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.