Best Credit Card Processing Software in Canada
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Compare the Top Credit Card Processing Software in Canada as of November 2025
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What is Credit Card Processing Software in Canada?
Mobile credit card processing software allows businesses to accept and process credit card payments through their mobile devices. Compare and read user reviews of the best Credit Card Processing software in Canada currently available using the table below. This list is updated regularly.
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1
Square POS
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Square POS is a simple and intuitive point-of-sale (POS) solution that delivers a robust set of tools for sales tracking, inventory, online payment processing, digital receipts, and analytics. Available for Android and iOS devices, Square POS provides a recording of transactions offline by storing data locally and then automatically syncing all information when their is an Internet connection. Additionally, Square POS enables users to seamlessly manage details, such as names, prices, and quantities and provides features such as a barcode scanner, discounts, credit card processing, gift cards, refunds, and more. Whether or not your business has a brick-and-mortar location, building a robust online presence can help you engage customers from a distance. Square’s online solutions work with any of the above point-of-sale systems, or you can use them on your own. We give you the tools to create thumb-stopping, compelling, and on-brand ads that perform. -
2
Square Payments
Block
Accept every payment quickly, easily, and securely. Easily accept card payments—no matter if you’re selling on the go or at your store. Streamline the way you create, send, and track your invoices. Customer not there in person? Take remote credit card payments over the phone or from your computer, and get paid fast. Create and grow your online store, and seamlessly accept online payments with Square. We make accepting cards as fast, painless, and secure as possible. There are no extra fees, no long term contracts, and no tricks. Just fast, secure payments you can depend on. -
3
PayPal Here
PayPal
Enable your mobile device to accept cards and contactless payments with PayPal Here. Accept major credit and debit cards touch-free, in person, or on-the-go, send invoices, and record cash and check transactions. PayPal and Venmo QR codes, and Apple Pay and Google Pay help give your customers a safe, touch-free, and quick way to pay. Pay as you sell with no monthly fees, setup fees, cancellation fees or processing minimums. PayPal Here card readers, powered by our mobile app, turn your compatible phone or tablet into a point-of-sale system. Now you can accept PayPal and Venmo via touch-free QR codes, helping to make in-person sales safe and simple for you and your customers. -
4
Clearly Payments
Clearly Payments
Clearly Payments provides low-cost credit card processing services and software for online payments, payment terminals, credit card machines, mobile payments, and recurring billing and invoicing. The Clearly Payments mission is to drive down the cost for merchants to accept payments. Period. Our first step in the plan is to build a payment processor with an incredibly low-cost structure. That takes innovation, so we need a strong corporate culture. We keep costs low with: - Virtual teams, cloud software, and a metrics-driven culture to operate our business - Working with the best and lowest cost payment technology providers in the world - Customer acquisition through communities, word-of-mouth, and partnerships. Our low-cost structure allows us to pass on the savings to merchants to cut their costs. We are growing on this front, making merchants happy and saving them money every day. https://www.clearlypayments.comStarting Price: $10.00/month -
5
Computop Paygate
Computop
Computop offers its customers around the world local and innovative omnichannel solutions for payment processing and fraud prevention, for e-commerce and POS. With the Computop Paygate payment platform, retailers, service providers and industrial enterprises have the flexibility to choose from over 350 payment methods. Computop, a global player with locations in Germany, England and the USA, has been servicing large international companies for more than 25 years, including global brands such as C&A, Fossil, Otto Group, Sixt, Swarovski and Wargaming. Computop carbon-neutrally processes transactions with a combined value of USD 33 billion in 127 currencies.Starting Price: $29 per month -
6
Paytia
Paytia
Take secure & compliant payments over the phone and get real-time authorisation. With Paytia your customers use their keypad to communicate card data securely. They're protected, trust in your business is increased — plus it's no longer exposed to fines and charges for breaking payment-security rules. Paytia’s PCI-DSS certified phone-payment solutions give your customers the same protection they expect which shopping in-store or online, which means you no longer need to hear or store their card data.Starting Price: From $11.10 -
7
Shopify Payments
Shopify
Accept credit cards and other popular payment methods with a payment provider that’s ready to go when you are. Skip lengthy third-party activations and go from setup to selling in one click. Shopify Payments comes with your account, all you need to do is turn it on. Boost conversions when you make shopping simple. Enable popular payment methods and local currencies for smooth checkout experiences. Have a complete view of your finances. Only with Shopify Payments can you track your orders and payments all in one place. Browse articles and learn how to accept credit card payments with Shopify.Starting Price: $19/month -
8
Curbstone
Curbstone Corporation
Credit Card, ACH, and IVR Payment SaaS for Your IBM i, iSeries, and AS/400. Ensure a simple, stress-free implementation using native RPG APIs for the IBM i, iSeries, and AS/400. Eliminate manual data entry, achieve real-time authorizations, and perform background and recurring charges using cards on file. Take your entire existing infrastructure out of scope for PCI, helping you spend less time on compliance reporting and audits. Reduce your risk – and protect your data – by eliminating sensitive data on your systems with remote payment tokenization. Control your costs with a flat-fee pricing structure. We’ll show you easy ways to improve transaction quality, reduce unnecessary downgrade fees, and secure the best possible credit card processing rates.Starting Price: $17,000 -
9
Pencil In
Pencil In
Managing your business has never been so easy! Pencil In is an appointment system that brings you and your clients together. Pencil In is designed to give you control over your business and help you save your time. You may benefit from many features that make your professional life easier. Your service schedule is the heart of your business. The Pencil In Scheduler makes it easy for clients to find and enroll in your classes. Just update your Pencil In Schedule, and let your clients handle the rest. They look through the schedule using customised filters, book a class or appointment, edit their profile, and set their payment methods. Manage all of your appointments and your classes from one single view. Track your daily sessions, as well as your team’s, from the Pencil In Scheduler.Starting Price: $8 per month -
10
MONEI
Microapps sl
MONEI makes everything easy MONEI is a payment gateway that allows you to accept payments either online and offline. MONEI can be integrated directly into your website or online store with just one simple line of code (or not even that). MONEI protects you against fraud, can issue refunds and helps your business succeed. It’s the simplest and cheapest way to start making money on your site. Moving money with ease Move your money online transparently and securely — no paperwork or compliance when accepting payments to start a business. Integrating MONEI as your payment gateway will help you boost your conversion rates. Our features and capabilities are hard to beat. Insanely Simple We designed MONEI in a way that anyone can use it. Today you, tomorrow your six years old child on their way to conquer the business world. Few clicks here and there, and that's all there is to it.Starting Price: $0 -
11
Tazapay
Tazapay
Expand globally with Tazapay, your cross-border payment gateway. Simplify international transactions without local entities. Simplify with Tazapay, a unified platform for efficient worldwide payment collection. Your money is securely held until the shipment is completed and you get your money back if the shipment is delayed. Your money is released in full as soon as you ship the goods. Buyer cannot withhold or deny your payment if you meet your obligations. As a trusted third party, Tazapay holds the buyer’s funds until the vendor delivers the service. Tazapay releases the funds to the vendor upon verification of the proof of service delivery. All escrow funds are segregated and safeguarded with leading banks, under the jurisdiction of the mas. We take on the compliance and regulatory overhead so you don’t have to. Milestones for payment release can be customized to suit your business needs. Operational capability to do KYC, KYB, and verification of shipment documents.Starting Price: $2 per month -
12
Durango Merchant Services
Durango Merchant Services
When it comes to credit card processing, certain industries are considered low risk, while others are considered high risk. Low-risk industries are generally those that have a low incidence of fraud and chargebacks, and as a result, they typically pay lower processing fees and have fewer restrictions on their accounts. It’s important to note that while these industries are generally considered low-risk, every business is unique and may be subject to different processing fees and restrictions based on a variety of factors. Additionally, even low-risk industries may still experience occasional fraud or chargebacks, so it’s important for businesses to take steps to minimize risk and protect themselves. Merchants can process payments, manage transactions, and generate reports on all payment processing activity from a single account. Give your merchants valuable insights into customer behavior with a single view of data across channels.Starting Price: $5 to $60/month -
13
eMerchantGateway
eMerchantGateway
Built on one of the largest payment gateway platforms in the world, eMerchantGateway is a trusted solution for accepting payments online, over the phone, or by mail. Secure, fast, and reliable, eMerchantGateway offers a variety of payment gateway features for processing and managing card-not-present payments. Full PCI-DSS compliance payment security. A convenient management console accessed through a web browser or an app. A virtual terminal function for orders by phone or mail. The ability to create invoices or web forms for online payment. Recurring billing options are customizable by the customer. 18 fraud modules with a variety of settings to suit your exact business needs. Detailed reporting to manage transactions by the minute. Batch and real-time payment processing options with mobile connections. Industry-specific software in a range of categories; examples include furniture, restaurants, and non-profits.Starting Price: Free -
14
Tranzila
Tranzila
Your payments are in good hands. Comprehensive data security for receiving payments. PCI DSS LEVEL-1 standard and SSL encryption to the most stringent standards of international credit card companies. Production of digitally signed invoices for email, with the execution of a credit card transaction, PayPal, or bank direct debit. Possibility to generate invoices manually for cash or cheque. The invoice system is approved by the income tax authority. Free application for every customer, both for Android and iPhone. Operations of debit, credit, viewing transactions, and more. Option to connect an EMV credit card reader using Bluetooth technology. A payment solution that grows with your business needs. It allows the clearing of credit from a mobile phone, from an independent clearing terminal, from any computer and tablet, from management software, a virtual store in ecommerce, and more. Full integration for receiving payments from PayPal, including automatic invoice generation.Starting Price: Free -
15
PayXpress
PayXpert
PayXpress mPOS. Multicurrency & Multi-brand QR reader supporting WeChat Pay, Alipay NFC & Camera Card Scanner SMS / eMail Confirmation of payment Off-line Mode via telecom (IVR) Multi Bank and Multi Merchant Account. Give customers the experience they want Access a flexible set of personalization options in your stores and make international shoppers feel at home. Offer payment methods customers know and trust. Customers can pay anywhere in their language and currency, even if they are blind or handicapped, Use the latest technology and innovations to enhance in-store experiences; Allow customers to pay the way they want now and in the future; Enhance your business operations using our industry-focused features. Provide a unified commerce (omnichannel) experience. Access a superb dashboard with a single data view of your payments to create a consistent experience across all sales channels and devices. You’ll improve the entire customer journey however shoppers are paying. -
16
Alviere Hive
Alviere
Alviere’s embedded finance platform allows any organization to seamlessly integrate financial products and services into their existing offerings, and provide customers and partners with the most comprehensive embedded financial solution on the market. Alviere’s platform offers an extensive range of customizable branded products and services that include FDIC-insured virtual accounts and physical card issuing, payments, digital global money transfers, and crypto/web3 products, all through one API integration. Alviere is a fully licensed and regulated financial institution, and provides comprehensive compliance, risk management, fraud/AML montioring and security to ensure long-term program success.Starting Price: $0 -
17
Cheddar Up
Cheddar Up
No matter the size of your group or organization, Cheddar Up lets you collect money and forms online. Collecting money online has never been easier. Simply create a page, add items or form fields, and share the link. Payments start coming in. We track everything for you and you can conveniently withdraw to your bank account for free. Every day groups find and use Cheddar Up in new and creative ways to collect money from their community. Membership fees, HOA dues, tuition, spirit wear, troop dues, group gifts, after-school programs, events, fundraisers, and beyond. Wow your community with a seamless, beautiful paying experience, no app or account necessary. Professional-looking payments out of the box or customize the look for your group, easily. Accept in-person payments with ease. Whether online or in-person, our mobile apps and Bluetooth card readers let you keep all your payments within Cheddar Up.Starting Price: $10 per month -
18
8am CPACharge
8am
Finally, there’s a professional, affordable payment solution made specifically for the accounting industry, with all the reporting tools you need for fast, easy reconciliation. Assure clients that you’re partnered with a PCI level 1 compliant, industry-leading solution, keeping their data secure. Plus, we help your firm maintain compliance too. Your clients expect a lot from you. Rely on an intuitive solution to deliver personalized, client-centric service. Streamline processes and automate time-consuming tasks so you can focus on what matters most: being great for your clients and building a successful firm. 8am™ CPACharge has the features and functionality that matter most to accounting professionals like you. From multiple easy ways to get paid to reporting and reconciliation features, and top-notch data security, we’ve got you covered. With invoicing, you can easily create itemized invoices using a user-friendly time entry system without any additional software programs.Starting Price: $10 per month -
19
360 Payments
360 Payments
We make payments simple, secure, and seamless for businesses of all sizes, allowing you to forget about them entirely and focus instead on what really matters – your customers, employees, and families. Run your shop, store, or practice with state-of-the-art equipment powered by the latest technology. You’re on the go – your payments should be, too. Our mobile solutions travel everywhere you do. Deliver the safe, sophisticated, and secure online shopping experience today’s customers demand. Through seamless integration into dozens of leading business management software solutions, we’re simplifying payments like never before. Get paid faster with our text payments feature. Send your customer their invoice via text message and let them pay from their smartphone when it’s convenient. We have small business roots, and we’ve never forgotten them. From our spare bedroom start to your million-dollar exit, we’re with you at every step. -
20
Payanywhere
Payanywhere
Payanywhere makes payments easy for business owners, employees, and customers. Accept payments any way your customer wants to pay. Accept credit cards in your store, on the job site, and online. Use one of our devices or your own. Payanywhere works around you. Use a Payanywhere device to accept payments at your location. Send invoices, accept phone orders, and more from your back office. Take your business with you with a Payanywhere mobile reader connected to your own smart device. Use every transaction to power your business. Payanywhere goes beyond payments, informing smarter business decisions that save you time and money. We just need some basic info about you and your business. Pay as you go or custom pricing for any business type. Choose a countertop or mobile device, or use your own. Payanywhere is designed to be flexible for you and your customers. Accept nearly any payment method in your store, on the go, and online. -
21
TSYS
Global Payments
Innovative payment solutions built with your business in mind. At TSYS, we can say with confidence that we’re the industry’s leading choice for payment solutions — all under one roof. Payments are changing and fast. In the future, we'll be paying in ways we can't even imagine today. At TSYS, we help our customers anticipate that future, through our products, solutions and expertise. Through partnership and expertise, we'll help you unlock the possibilities of payments. You can trust us to be honest and transparent, and depend on us for stability and security. We will hold ourselves to uncompromising standards. We will never settle, never make do. We will earn your trust, and your business, every day. -
22
Merchant One
Merchant One
We use state-of-the-art technology, and make compliance a top priority. We’re here to stay. We aren’t brokers, so you’ll be dealing directly with the source. We understand what it takes for merchants to be successful online. The Merchant One payment gateway offers data security, fraud detection, and lots of options for ease of use and, ultimately, your success. Virtual Terminal: Key in or swipe sales through our secure payment portal. Credit and ACH payments. If you prefer to do your own EMV Level 3 processor certification, you can interface directly with our unified payment enablement platform using our API. We’ll provide you with integration examples for your own applications as well as our integration guide and API documentation. Unlike with our SDKs, any development using our APIs will require additional processor certifications for your chosen payment device. -
23
PaymentCloud
PaymentCloud
Here at PaymentCloud Merchant Services, we provide credit card processing for businesses of all types. From Fortune 100 companies to small, local storefronts, ecommerce or retail, and all levels of risk, we can support each and every business. We have a robust toolset of integrations with nearly any platform, shopping cart, and CRM, unified fraud detection software, and chargeback mitigation tools that allow you to reduce your risk and amplify your reward. Talk with one of our dedicated account managers to get personalized care and a real person every single time. PaymentCloud lays the foundation businesses need to thrive. With 50+ years of combined experience within the payments industry, we look forward to paving the way to your business’ success. Free cost comparison. Seamless setup. Chargeback and fraud prevention. Hundreds of integrations. Low risk and hard to place industries accepted. -
24
Gravity Payments
Gravity Payments
We help you get paid any way you want, with the least amount of hassle. It’s just one of the reasons we are the most trusted name in credit card processing. Our team can help your business accept payments anywhere, any time. Whatever you need, we’re here for you 24/7. Whether you’re running a bar, bridal shop, boat dealership, or any other small business, we can help you save money and grow your business. We’re changing the way the industry operates. The world is taking notice. -
25
PayPal Virtual Terminal
PayPal
Get paid when sales are made by phone or mail. Use our virtual terminal to process credit card and debit card payments for offline sales. No website or POS system needed. When the order arrives by mail or phone, you can easily accept payment by credit or debit card. No coding is required, and you don’t need any extra software or equipment—just a web browser. Virtual Terminal activity is included in your PayPal reports. Log in to your PayPal Business account from your web browser and open Virtual Terminal from your dashboard or the Business Tools page. Use the optional Quick Order form to save time. Add the shipment or delivery address and other contact details as needed. When the transaction is processed, you can send an email receipt, and print a pre-populated packing slip and a PayPal Shipping label. Once approved, the money shows up in your account, usually within minutes. The transaction will be included in your Activity and other reports. -
26
Dharma Merchant Services
Dharma Merchant Services
Let us explain the mysterious world of payment processing, and shine a light on a notoriously dark industry. No secrets here, the code word is transparency on all fronts. We strive to pull away the veil most merchant providers and merchant processors put up. Instead, we provide a credit card processing service that business owners can be proud to use for their credit card merchant accounts. What does top merchant services processing get you? Enquire about our merchant credit card services to find out. Upon request, we can provide a full-disclosure rate comparison that highlights the savings Dharma can offer. We’ll share our assumptions, and we’ll even tell you if our rates are not the most competitive. We’ll point you in the right direction regardless of how it impacts us. -
27
National Processing
National Processing
Your business needs unbiased, cost-effective payment solutions. Options are vast. We’re here to simplify the complexities and help you grow. We strongly believe in clear and straight-forward pricing – here’s everything. Compare us to the competition. We have a variety of tailored payment solutions to help maximize the potential of your business, regardless of which sector you work in. Whether you need a robust POS system, reliable credit card processing, or a trustworthy merchant account, there’s no need to worry; National Processing has you covered. -
28
ProMerchant
ProMerchant
We fully understand that today’s businesses need a tremendous amount of care and support. We accomplish this by providing our clients with best-in-class service and free processing solutions, while leveraging decades of payment processing expertise to ensure our merchants have a second-to-none payments experience. From your first moment of contact with us, we will compassionately listen to your needs, which allows us to provide you with the correct rate structure for your business. Transparency, competency and consistency are key to our philosophy and we meet these standards by offering Interchange and Zero Cost Processing pricing plans. Our fair, straightforward pricing models allow our clients to truly understand their rates and fees, which provides peace of mind. We’re also focused on ensuring our merchants are set up with the processing solution that is best for their specific business type, which removes the guess work that often accompanies setting up a merchant account. -
29
Host Merchant Services
Host Merchant Services
We provide merchant services payment systems for all businesses. Get a credit card processing system customized for mobile payments, point of sale, e-commerce credit card processing, EMV terminals, and more. We will greatly reduce your merchant services fees while substantially improving the customer service you receive. Our excellent customer service and low rates retain customers, not termination fees. Experience the freedom of locked-in credit card processing rates that won't increase over time. Qualify for a free EMV-compliant mobile swiper or terminal with a merchant account. You’ve created an app but need to integrate payment processing. You’ve come to the right place! We offer custom direct integrations with an easy-to-use API and a broad range of terminal solutions. -
30
PayWorld
PayWorld
PayWorld is a specialist service provider to helps businesses that are already trading or starting up to leverage the experience of the processing industry and get the best processing rates and settlement times to make sure that payments are not hindering the business. PayWorld provides merchant account services to businesses and individuals that are just starting up, as well as established businesses that are now looking for a better payment solution. PayWorld provides a stable, secure online trading environment to ensure your online business has the best chances of success. If you are ready to sell online and don’t know quite where to start, start here. Whatever your business, we have a solution. Our acquiring partner network is worldwide and includes carefully selected reliable and stable partners providing competitive rates. We offer ecommerce solutions for all types of low-risk and high-risk online ecommerce and brick-and-mortar businesses.
