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Merchant services

Business and payment tools to help your business thrive.

Connect with your customers—keep them coming back

Our full range of merchant services let you manage payments with ease, improving your customer experience and your cash flow.

Why use merchant services?

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Competitive pricing

Interchange rates as low as 0.87% until May 2025. 

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Fast access to funds

Get your money faster and with less hassle. Payments you process are funded as early as the next business day.

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Secure payment processing

Designed to meet your business’s unique needs, our smart payment technology minimizes fraud and chargebacks.

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24/7 support

Enjoy personalized service and dedicated account management, training and support—any time.

Explore merchant services

Comprehensive merchant services

Fast, convenient and secure payments are just the beginning. Boost your customer loyalty, streamline your financial operations and get the expert support you need.

  • Streamlined tools to process payments through ecommerce, point of sale, virtual terminal, pay links and more

  • Merchant portal analytics to help you understand your customers and their spending patterns

  • Convenience and ease for you and your customers

  • Competitive pricing

  • 90-day satisfaction guarantee: If you’re not satisfied, exit penalty-free within 90 days

  • Personalized support

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Ready to set up merchant services in Canada?

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Chat with an advisor

Book an appointment

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Visit a branch

Find a branch

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Call our Member Hub

Call 604-419-8888


Boost your business finance know-how

How do I get commercial lending?

Securing commercial lending for your business takes careful planning. Whether you want to expand your operations, upgrade your technology or start a land development project, we’ve got the tools and expert advice to help propel your business forward.


Get advice on the go

Life gets busy, but don't let that stop you achieving your goals. Whether you’ve got $50 or $50,000, we want to help power your possible – and we'll come to you to do it.

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Your merchant services questions answered

Merchant services cover a wide range of tools and services businesses use to accept and process payments from their customers. Those include hardware like credit card terminals, software like Point of Sale (POS) systems and online payment gateway services.

Beyond processing payments, merchant services also include tools like customer analytics and loyalty programs. So businesses can learn more about their customers’ spending habits, spot trends and improve customer experience.

Merchant services in Canada are designed to help businesses make sales smooth and secure—boosting revenue and improving cash flow.

Merchant service providers (MSPs) offer tools and technology that simplify payment processing for businesses. They make it easier and more secure for businesses to accept and manage payments from customers online and in person.

MSPs help set up merchant accounts for businesses and provide customer support to help with payment-related issues including chargeback management. They establish fee structures, assess risk and ensure security and compliance.

Many MSPs also offer their clients reporting and analytics tools, customer loyalty programs and customized services.

A merchant account is a financial tool that helps businesses accept electronic payments securely and efficiently. Funds from payments are temporarily held in the merchant account before being transferred to the business's main account. Merchant accounts are designed with security features to protect sensitive customer and payment data, which reduces the risk of fraud and data breaches. This makes it convenient and safe for both businesses and customers.

Payment services are consumer-focused and make it safe and convenient for people to make electronic payments and transfers. Merchant services are business-focused and help businesses accept and manage those payments effectively.

Payment services include tools like digital wallets and money transfer apps, which can help businesses accept a range of payment options. Merchant services include a much broader range of tools and services.

When the two are used together, these tools help businesses offer their customers a range of payment options and streamline their financial operations.

Have more questions?

Don’t hesitate to reach out. We’re just a live chat, video, or phone call away when you need us.

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Other solutions you may want

Business credit cards

Simplify and manage your corporate expenses with Gulf & Fraser credit cards.

Business lines of credit

Instant access to funds you need, when you need them. Manage daily operations and seize new opportunities with ease.