Wholesale-plus pricing, in writing.

There isn't one, and that's the awkward part of an honest pricing page. The rate is real, the absence of junk fees is real, and the promise is enforceable in writing.

Our margin is what you pay us above interchange and card-network fees. Interchange runs about 1.31% in person and 1.67% online on a typical card mix; we pass it through at cost and add 0.30% + 5 cents at Tier 1, decreasing as you scale. That's the whole business model. Everything we don't charge for is everything our competitors padded their margins with.

Square and Stripe are aggregators. They take on the underwriting risk of letting anyone sign up in 5 minutes by charging a flat rate (2.6% or 2.7%) that's wide enough to cover their riskiest merchants.

On the rails we connect you to, you get your own merchant account and a rate matched to your actual risk, the wholesale interchange-plus structure large retailers use, not a flat aggregator rate. The trade-off is a slightly longer approval window in exchange for a much lower rate.

Yes, and the contract works in your favor. You sign a three-year processing agreement that locks your wholesale rate, your 0.30% margin, and the Honest Rate Promise in writing for the full term. If you ever leave early, the only charge is $295 per terminal. No junk fees, no monthly minimum, no statement fees. · Payzium-controlled fees only

Hardware is separate. Smart terminal rental is month to month with no termination fee. Clover terms are quoted on your application. Full hardware details live at /hardware.

A short online application. We ask for business info (name, address, BN), owner info (name, date of birth, banking details for the application review), banking info (transit, institution, account number for deposits), and a recent bank statement.

Complex cases (high-risk industries, large transactions, recent business formation) may need a 24 to 48 hour manual review. You'll know which path you're on as soon as you submit.

Next business day for transactions batched before 9 PM Eastern. We don't hold funds, we don't roll reserves, we don't do anything unusual with the timing. Card runs Monday, money lands Tuesday.

Same-day funding is available for an additional 0.5% on the transaction if speed matters more than cost. Most merchants don't need it.

Surcharging is the practice of passing the credit card fee to the customer at the point of sale. It's legal across Canada outside Quebec, with specific disclosure rules. We handle the compliance: the terminal prompts the surcharge automatically, prints it on the receipt, and reports it correctly.

Your debit card transactions still process at our standard rate, because surcharging on debit isn't permitted. If your card mix is 60% credit / 40% debit, you'll save roughly 0.75% net on every transaction.

Card networks categorize transactions by risk and reward type. Standard consumer debit and basic credit cards qualify for the lowest rate (qualified). Rewards cards, corporate cards, and certain card-not-present transactions fall into higher tiers (mid-qualified or non-qualified).

Most processors hide the higher tiers in fine print. We surface them on the full rate card so you can see exactly what each card type costs. For a typical SMB card mix, the effective rate sits at 1.30 to 1.40%. That range assumes a mostly-credit in-person profile; the homepage hero example uses a broader card-mix assumption that includes more debit and Interac, which is why the same $40,000-a-month volume resolves to a lower all-in rate on the hero.

We'll migrate you in under 7 days. Our team handles your account setup, the gateway swap (if you use Stripe online), and the terminal swap (if you use Square in person).

You don't have to coordinate anything beyond signing the application and pointing your bank account at the new account. We keep both setups live until your first successful batch on Payzium, then you can deactivate the old one.

Card networks define high-risk merchant categories that face stricter underwriting. Our published rate card covers standard merchant categories. If your business is high-risk by card-network definition, we can refer you to a service that specializes in your category.

If your business is standard (restaurant, retail, professional services, healthcare, etc.) and your chargeback ratio is below 1%, you'll qualify without issue. If you're not sure, just apply. The decisioning will tell you which way it lands.