No matter your needs, we can customize options to fit your business. Our experienced and knowledgeable team of lending professionals will work with you to achieve the financial stability you desire. Our Business Relationship Managers have an appreciation and knowledge of business communities throughout the Lower Mainland. Talk to us about our competitive lines of credit today!

Boost your sales volumes and make faster transactions backed by payment experts

You can expect competitive pricing and products, convenience, and personal service from our merchant services solution. By offering your customers the convenience of paying with their debit or credit card, you can improve your service, build customer loyalty, and increase sales.

• New, lower interchange rates — Benefit from interchange rates as low as 0.87%*. Effective May 2020 through to May 2025.
• Fast access to funding — Breathe easy knowing that the payments you process today will be funded as early as the next business day.
• Payment technology to suit your needs — Get the right solutions to minimize fraud and chargebacks and lower your interchange rates.
• 90-day satisfaction guarantee — Feel confident with your decision with our 90-day guarantee. You can exit penalty-free if you’re not satisfied.
• Support right from the start — Get the support you need at every step including dedicated account management, training and customer support 24/7/365.

*Quoted interchange rate applies to emerging market merchants on consumer credit card transactions; otherwise the new average interchange rate will be between 1.4-1.5%, depending on transaction and credit card type. Rates apply to Canadian transactions that qualify at the Consumer Electronic Interchange level, as set by Visa and Mastercard. Transactions that do not qualify for this interchange level will be subject to an interchange differential/downgrade fee.

Assessment fees apply to Canadian transactions. Other fees/taxes may apply. Global Payments reserves the right to determine qualified merchants and is under no obligation to approve a merchant.

Wire transfer

Use Gulf & Fraser’s wire transfer service to transfer funds to and from financial institutions world-wide.

Make business payments to other countries quickly and easily. Choose from single or multiple, one-time, recurring, or future-dated payments. Gulf & Fraser can set up advanced online payment services to help you send funds quickly and securely.

Interac e-Transfer^®

Send and receive money quickly, conveniently, and safely using your phone or computer with Interac e-Transfers. All you'll need to know is the recipient's email or mobile number. No account information is required. You can also transfer on-the-go, using Gulf & Fraser's mobile banking app. 

See our FAQs for more information on e-Transfers, including transaction limits and additional features such as Request Money.

Automated funds transfer

Fast, secure, and economical, PaymentStream^TM AFT streamlines your payment processing.

With our convenient and cost-effective online cash management service, you can automatically deliver or receive payments to and from accounts held at other financial institutions (this service is also known as AFT, CAFT, EFT, pre-authorized payments and pre-authorized debits). 

Convenient and hassle free, you can use the PaymentStream AFT service for a variety of purposes:        

• Depositing your employees' payroll directly into their accounts         
• Collecting monthly/scheduled membership fees (e.g., health club)      
• Collecting monthly/scheduled maintenance fee or rent (e.g., strata fees)         
• Making recurring payments to your suppliers       
• Collecting donations as a charity or other not-for-profit organization         
• Collecting payments from your customers

PaymentStream services are offered in partnership with Central 1^®. PaymentStream is a web-based application which uses two-step security. Some benefits of PaymentStream include comprehensive risk controls, a retention history of up to 18 months and the ability to download AFT reports in CSV and PDF formats.

As a business owner, you've worked hard on creating a solid business plan. What about your personal financial plan?

Often overlooked from a business perspective, financial planning for owners is vital to protect their personal assets and plan for the future. Our team of wealth experts can develop a plan to meet your business and financial goals. 

Through Gulf & Fraser's partnership with Aviso Wealth, we offer a full array of investments* including tax-efficient investments whether held in the business or personally. CalI 604-419-8888 and get started today! 

*Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities. Online brokerage services are offered through Qtrade Investor. Qtrade Investor and Credential Securities are divisions of Credential Qtrade Securities Inc.