The terms governing your use of doughpayments.com and our payment processing services.
These Terms of Service ("Terms") govern your use of the website at doughpayments.com and any services provided by Dough Payments Inc. ("Dough," "we," "us," or "our"). By accessing our website or using our services, you agree to be bound by these Terms.
If you don't agree with these Terms, please don't use our website or services.
Dough Payments Inc. is a registered payments agent that helps Canadian small businesses with:
Actual processing services are provided through our acquiring partners. Specific processor agreements will be provided when you sign up.
To use our services, you must:
If you sign up for a merchant account through Dough, you agree to:
Pricing varies based on your selected model (surcharge, interchange-plus, or flat rate), your industry, your monthly volume, and our processor's underwriting decision. Specific rates and fees will be set out in your merchant agreement.
Published rates on our website (such as IC + 0.20% or 2.75% + 15¢ flat rate) are starting points. Final rates may vary based on industry, volume, risk profile, and underwriting outcome.
You agree to the rates and fees in your specific merchant agreement. If you don't agree, you can cancel without penalty before processing your first transaction.
The Dough Boost program offers free or discounted services (websites, social media content, custom AI tools, Google review cards) based on monthly card processing volume:
Boost program access requires:
If your processing volume falls below your tier threshold for an extended period, we may adjust your Boost benefits accordingly. We'll discuss with you before making any changes.
Boost benefits are non-transferable, have no cash value, and cannot be exchanged. We reserve the right to modify the Boost program with reasonable notice.
We do not guarantee account approval. All merchant applications go through underwriting by our processing partners. Approval depends on factors including business type, credit history, processing history, and risk profile.
If approved, your account may be subject to:
You may not use our website or services to:
The Dough name, logo, "Dough," "Dough Payments," "Dough Boost," and the look and feel of our website are owned by Dough Payments Inc. You may not use them without our written permission.
Content created for you under the Boost program (custom websites, social posts, GPTs) is licensed to you for use in your business. Specific terms about ownership and licensing will be covered in your service agreement.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, except as required by law.
While we work hard to deliver accurate, helpful information, we don't guarantee:
Examples of savings shown on our website (like "save $800/mo") are real examples from real merchants but are not guarantees. Your actual savings depend on your specific business, volume, current processor, and pricing model.
To the maximum extent permitted by law, Dough Payments Inc. and its directors, officers, employees, and agents are not liable for:
Some jurisdictions don't allow these limitations, so they may not fully apply to you.
You may stop using our website or services at any time. If you have an active merchant account, termination is governed by your merchant agreement (which may have specific notice requirements).
We may suspend or terminate your access to the website or services if you violate these Terms, engage in fraudulent or illegal activity, or if required by law.
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law principles.
Any disputes arising from these Terms or use of our services will be resolved in the courts of Ontario, Canada.
Questions about these Terms?
Dough Payments Inc.
Hamilton, Ontario, Canada
Email: zachary@doughpayments.com
Phone: +1 (647) 691-9085