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Before You Sign with Merchant Accounts.ca: Full Review & Insights

Name: Merchant Accounts.ca
Item: Merchant Accounts.ca
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 21, 2025

Maintained Since: August 8, 2019

+ Advertising Notice

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Merchant Accounts.ca

Rating

5/5

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Pros

Transparent pricing structure

No early termination

No hidden fees

Flexible contract terms

Secure payment processing

Cons

Potential higher rates

Limited hardware options

Possible hidden charges

Transparency concerns

No 24/7 support

Overview

In this review of Merchant Accounts.ca, we provide an overview of the company’s credit card processing services. We cover the tools they offer, including POS systems, mobile payment options, and e-commerce features. The review also looks at which types of businesses may benefit from these services. In addition, we examine customer feedback to highlight common themes and concerns, as well as the company’s pricing, contract terms, and specific features. By the end, you’ll know whether Merchant Accounts.ca is the right fit for your payment processing needs.

Merchant Accounts.ca offers standard payment processing services

About Merchant Accounts.ca

Screen Capture of Merchant Accounts.ca — Merchant Accounts.ca Homepage

Founded in January 2001, Merchant Accounts.ca is a merchant account provider that specializes in cross-border payment processing for small and mid-size businesses. The company is partnered with a large number of banks in Canada, the U.S., and overseas in order to help merchants accept payments in any currency. The majority of its merchants are based in Canada and the U.S., but the company claims that it can also process payments for any legal entity in the UK, Europe, Japan, and Australia.

Products & Merchant Services

Payment Processing

Merchant (link unavailable) processes major debit and credit cards for a wide range of business types.

Virtual Terminals

Merchant (link unavailable) offers virtual terminal solutions, allowing businesses to process payments without the need for physical card readers.

Payment Gateways

The payment gateway services from Merchant (link unavailable) facilitate secure online payment processing for businesses operating in e-commerce and other digital environments.

e-Commerce Solutions

Merchant (link unavailable) provides e-commerce solutions designed to help businesses sell products and services online. These services integrate with existing online stores or shopping carts, enabling businesses to securely process payments and manage transactions.

Recurring Billing and Invoicing

For businesses that offer subscription-based services or need to send regular invoices, Merchant (link unavailable) offers recurring billing and invoicing solutions.

Data Reporting and Analytics

Merchant (link unavailable) offers data reporting and analytics tools to help businesses monitor their transactions and payment trends.

Multi-Currency Payments

The multi-currency payment solutions from Merchant (link unavailable) enable businesses to accept payments in various currencies, making it easier to serve international customers.

PCI Compliance

Merchant (link unavailable) emphasizes PCI (Payment Card Industry) compliance to ensure that businesses meet security standards for handling cardholder data.

Fraud Protection

Fraud protection services from Merchant (link unavailable) are designed to safeguard businesses against fraudulent transactions and chargebacks.

Customer Reviews & Sentiment

No Public Complaints

Currently, no negative Merchant Accounts.ca reviews have been found, which is a positive sign indicating the company isn’t involved in any scam or ripoff activities. Although only positive reviews are available, and their authenticity can be challenging to verify, they still contribute positively to the company’s reputation. If you have personal experiences or opinions about Merchant Accounts.ca, we encourage you to share them in the comments below.

Merchant Accounts.ca Lawsuits

No major class-action lawsuits or FTC complaints have been identified against Merchant Accounts.ca. For merchants preferring non-litigious problem-solving methods, considering reporting to relevant supervisory organizations is advisable.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	N/A
Google Maps	5
Average Rating	5

PaymentPop Rating for Merchant Accounts.ca

Negative Feedback

There are no negative reviews published about Merchant Accounts.ca on the PaymentPop website.

Positive Feedback

We needed something that could handle sales in both the U.S. and Canada, and Merchant Accounts.ca allows us to do just that. They explained everything clearly, helped us through the approval process, and we’ve had zero issues since going live.

Merchant Accounts.ca BBB Rating

The Better Business Bureau does not maintain a profile for Merchant Accounts.ca at this time. We therefore will not factor a BBB rating into this review.

Google Maps Rating for Merchants Accounts.ca

Merchants Accounts.ca has a 5 out of 5 star rating based on 38 user reviews on Google Maps.

Positive Feedback

It’s always a such good experience whenever we deal with Merchant Accounts. As new business owners just starting out, they were so helpful in answering our many MANY questions and setting up what we needed to have a safe and secure payment portal for our clients. Anytime we have a question or concern, they respond super fast and are so thorough in making sure we get all the assistance we need. This business has amazing customer service and has surpassed our expectations for this service. Would highly recommend to anyone!

Negative Feedback

There are no negative reviews published about Merchant Accounts.ca on Google Maps.

Processing Rates & Fees

Merchant Accounts.ca Starter Pricing

Merchant Accounts.ca offers two pricing plans for merchants: the “Starter” plan and the “Advanced” plan. The Starter plan is a month-to-month agreement with no early termination fees, no setup fees, no monthly fees, and a fixed per-transaction fee of 2.5% plus $0.30. This 2.5% plus $0.30 rate only applies to transactions with interchange costs below 2.5%. Transactions with interchange costs above 2.5% will be charged 2.5% plus the difference between 2.5% and the interchange rate, plus $0.30. This plan is intended for merchants who process between $2,000 and $10,000 per month.

Merchant Accounts.ca Advanced Pricing

The Advanced plan is a month-to-month agreement with no early termination fees, no setup fees, a $39 monthly fee, and a custom interchange-plus rate plus $0.20. This plan is intended for merchants who process more than $10,000 per month. Both plans come with a dormancy fee of $50 per inactive month and a chargeback fee of $25 per incident. Compare these plans to the best merchant accounts.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Merchant Accounts.ca also dedicates a portion of its website to advertising its virtual terminal and payment gateway services. According to the company’s website, its respective transaction rates for its Starter and Advanced Plans apply to its e-commerce services.

No Red Flags

We are unable to locate any merchant complaints that mention excessive charges or unreasonable Merchant Accounts.ca contract terms from the company. Merchant Accounts.ca’s pay-as-you-go pricing is a low-commitment option that may compete with even the cheapest merchant accounts for certain international businesses. This has earned the company an “A” rating in this category for now.

Merchant Accounts.ca virtual terminal — Merchant Accounts.ca offers e-commerce solutions including virtual terminals

Employee Reviews & Sales Practices

Inside/Outside Sales Team

Merchant Accounts.ca appears to hire both in-house and independent sales agents to market its services. The use of outside agents is commonly linked to elevated complaint rates, but we are currently unable to locate any Merchant Accounts.ca reviews that accuse the company of nondisclosure or misrepresentation. If you suspect that Merchant Accounts.ca is overcharging you, then you can double-check your monthly bill with a third-party statement audit.

Full Rate Disclosure

Merchant Accounts.ca posts its full rate schedule on its website, including the interchange rates charged for certain rewards cards. In combination with the lack of complaints and large number of positive merchant reviews, this is a strong indication that Merchant Accounts.ca is committed to fair dealing and honest sales practices. In this regard, Merchant Accounts.ca compares favorably to our list of the best credit card processors.

Merchant Accounts.ca Competitors

Compare Merchant Accounts.ca to competitors that earned top marks.

Pricing

Bottom Line

Merchant Accounts.ca ranks as a reliable option for international merchants according to our rating criteria. The company has maintained a spotless complaint record and seems to avoid deceptive sales tactics, further solidifying its reputation as a trustworthy provider.

Merchants are advised to meticulously scrutinize their monthly bills to ensure transparency and accuracy in their payment processing costs. Merchant Accounts.ca may stand out as a competitive player among top-rated multi-currency payment processors, potentially offering solutions tailored to international businesses. However, it remains crucial for merchants to carefully compare Merchant Accounts.ca’s terms and fees with other leading processors to secure the best possible deal aligned with their business objectives.

Read Actual User Reviews

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All user reviews have been moved to our partner, PaymentPop.com

Contact Merchant Accounts.ca

Contact & Customer Support
CEO	David Goodale
Address	4200 Morris Dr Unit C, Burlington, Ontario L7L 5L6, Canada
Toll-Free General Customer Service	(888) 414-7111
Local Office	(905) 901-2254
Email Support	info@merchant-accounts.ca
Additional Support Channels	Live Chat

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

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