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Paystone
Seamless payment processing that helps businesses get paid faster and serve customers better.
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Payment processing so smooth, all you’ll notice is the savings

As Canada’s largest bank-independent payment processor, we keep it simple, with no contracts or hidden fees. Just lower rates, faster deposits, and payment processing you can count on.
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Business owner sending packages to customers and using payment processing
4.5
rating on Google
38,000+
businesses using Paystone solutions
$10 Billion
processed annually
Business owner leaning against wooden desk providing payment processing testimonial
 Thousands of businesses trust Paystone for
smarter payment processing everyday 
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“The customer service has been fantastic.
They follow up with any issues, and we have
a point of contact where we can call and we
actually reach somebody. They take care of
you after you’re done the signup. They’re
there for you day-to-day. To me that is the
big difference.”

Daryl Olthoff
Founder and COO at Smart.ca

“The customer service has been fantastic.
They follow up with any issues, and we have
a point of contact where we can call and we
actually reach somebody. They take care of
you after you’re done the signup. They’re
there for you day-to-day. To me that is the
big difference.”

Daryl Olthoff
Founder and COO at Start.ca

 

Thousands of businesses trust Paystone forsmarter payment processing everyday

  • Simple onboarding

    “Easy to get set up and my rep has been great about answering any questions I have. Two thumbs up!!”

    - Susan S.

  • Amazing service

    “They are always available to hear us out if we have issues or questions. We feel very well taken care of.”

    - Scott G.

  • Cheaper rates

    “The card processing fee is low, and the speed of the device is fast and convenient."

    - Jongmin P.

  • The right terminals

    “Fees are extremely fair, machine upgrades are done when needed. I love their new web-based interface.”

    - Artisty I.

  • Competitive pricing

    "Used Paystone for a few years now. Pricing is competitive and the service has been excellent."

    - Wes S.

  • A no-brainer

    "Paystone worked hard to make sure that switching to them was a no-brainer, and has offered great support since we signed on."

    Colin K.

  • Great experience

    "Great experience with Paystone getting my business setup with new debit terminals. Customer service is very responsive."

    - Mike T.

  • Excellent choice

    "An excellent choice if you're looking for an alternative to the big guys. The customer service is amazing. Very easy to work with."

    - David R.

  • Using for years

    "We've been with Paystone for years and the service has always been great."

    - Martin K.

  • Switching is seamless

    "Really enjoy working with Paystone. They made the process of switching providers seamless."

    - Meagan L.

Start accepting credit card
payments in-person or online

We’ve got the perfect payment processing solutions for businesses of any size.

ACCEPT PAYMENTS IN PERSON
 
Man paying for his meal at a restaurant on a payment terminal
Restaurant owner using POS system
ACCEPT PAYMENTS ONLINE
Online checkout
Allow your customers to self-checkout, or do it for them through a web-enabled device.
 
See our payment gateway
Woman in red shirt online shopping and check out on her mobile phone

More ways to accept online payments

Paystone’s online payment solutions make it as convenient for your customers to pay you. 
Virtual terminal

Virtual terminal

Key in customer
payments from any
internet-connected
device. 
Hosted payment pages

Hosted payment pages

Accept payments on
your website. 
Online invoicing

Online invoicing

Get paid fast with
convenient online invoicing. 
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Recurring payments

Easily automate subscription and payment installments

We’ve spent over 15 years perfecting payments

We’re constantly improving our payment solutions so you get the best technology, the lowest
rates, and the smoothest experience. Your business deserves nothing less.

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Next day funding

Get paid faster with next-
business-day deposits to
keep your cash flow steady. 

Real-time reporting

Log in to your account to view transactions, batches, settlements, and disputes. Filter data and export reports.

Fraud prevention & security

Protect your business with real-time fraud monitoring, chargeback support, and regular security updates. 

Hassle-free setup

Get up and running in no time with free guided setup and FREE hardware shipping anywhere in Canada. 

Access some of the lowest processing rates in the industry

Credit Card Processing

AS LOW AS

1.26% + 5¢

per transaction

Debit Card Processing

AS LOW AS

5¢

per transaction

How ever your customers want to pay, you’ll be ready

  • Google
  • Interac
  • Discover
  • Union
  • Interac_Brand_2021 8
  • Mastercard
  • Visa
  • Interac_Brand_2021 4
  • Union
  • Mastercard

See why we’re the top-rated payment processor in Canada

Don’t just take our word for it. Read real customer reviews. 

  • “Our payment processing technology is very important to us. Our primary focus is customer service, and Paystone has played a big role in helping us reach our goals in terms of both efficiency and security. ”

     

     

    Anahid Kossaian
    Store Manager at Pandora CF Masonville Place

  • “With Paystone, we didn't have to secure a POS system and merchant services provider separately. Our solution is integrated, and we use it to make business decisions on a daily basis.”

     

     

    Asaad Naeei
    Co-owner at Dos Tacos

Our other brands give you more ways to grow your business

From building your loyal customer base to boosting your business’s reputation. We’ve got you! 

Get started with smarter payment processing today

Book a no-obligation call with one of our friendly sales reps to explore how we can meet your needs.
Get started

Frequently asked questions, answered

Payment processing refers to the technology and services that enable businesses to accept credit and debit card payments. When a customer pays with a card, the payment processor securely transfers funds from the customer’s bank to the business’s account. With Paystone, transactions are encrypted, fast, and deposited as soon as the next business day. 

The best payment processing company depends on your business needs. Look for a provider with transparent pricing, no long-term contracts, fast deposits, and great customer reviews.


Whether you need an in-person payment terminal, an online payment gateway, or a full POS system, Paystone offers flexible, competitive solutions designed for Canadian businesses.

A good payment processor for small businesses should offer affordable rates, simple setup, and reliable support. Paystone provides next-day funding, no hidden fees, and dedicated customer service, making it one of the top-rated payment processors in Canada. 

A payment processor facilitates transactions by moving funds between the customer and the merchant’s bank. A payment gateway is a secure technology that authorizes online transactions. Paystone offers payment processing and online payment solutions, so businesses can easily accept payments online, in-person, or remotely.

Processing fees vary depending on the provider and the type of transaction. Paystone offers competitive, transparent rates with no hidden fees or long-term contracts.

 

Our transaction fees include the interchange fees charged by the issuing bank, the card brand fees (Visa, Mastercard, etc.), and the acquiring bank fees, plus a small markup from Paystone. Your final rate depends on factors like processing volume, payment method, and card type.

.
 With Paystone, you get next-business-day deposits, ensuring your cash flow stays steady. Unlike some payment processing platforms, we don’t hold funds unnecessarily or delay payouts. 

Yes! Paystone’s online payment processing solutions let you accept payments through your website, virtual terminal, hosted payment pages, or recurring billing. Whether you’re running an eCommerce business or invoicing clients, we make online transactions seamless.

Paystone is Canada’s largest bank-independent payment processor with no contracts, no hidden fees, and some of the most competitive rates in the industry. With 30,000+ customers using Paystone services and over $10 billion processed annually, businesses choose us for our fast deposits, transparent pricing, and best-in-class customer support.

Transform any customer touchpoint into a fast, secure checkout

Book a no-obligation call with one of our friendly sales reps to explore how we can meet your needs.
Get started