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Thinking about switching? Read this first.

Switching processors should be simple and low-risk. Here is exactly how we do it, including a close look at how your Interac is priced, and how to make sure no one hides the real number from you, ours included.

Start with a free statement review

How a clean switch works

1

We go over your current pricing with you

Send your latest statement. We translate it into your true effective rate and every fee, and we check whether you’re paying credit-card rates on Interac debit.

2

Zero-downtime setup

We set you up before you cancel anything, so your payments never stop. If you have recurring customers, we help move them.

3

We help with what is stuck

Locked into a contract or a terminal lease? Tell us. We can help cover the cost of getting out, and match you with the right equipment.

A clean switch: no gap in payments Three panels, before, during and after a switch: your current account runs as usual, then both accounts run while AllProPay is approved, equipped and tested, and only once the new account is live is the old one cancelled. BEFORE, DURING, AFTER Often just a few business days, depending on your setup and underwriting BEFORE LIVE Your current account runs as usual Send one recent statement. We check your current quote and every fee. DURING NO GAP IN PAYMENTS STILL LIVE TESTING Both running, nothing cancelled Account approved, equipment arrives, test transaction confirmed. Your payments never stop. AFTER LIVE CANCELLED New account live, old one cancelled Go live. Recurring customers move with you. Termination fee? Ask about contract buyout. LEGEND Your current account AllProPay Both running, no gap in payments Contract buyout and no-cost equipment are subject to conditions and eligibility.

We help cover the cost of leaving

The biggest reason businesses stay stuck is the cost of getting out. We help with both sides of that.

Contract buyout

Stuck in a contract with an early-termination fee? When you switch and start processing with us, we can help cover that fee. Send us the charge and we’ll tell you exactly what you qualify for.

Help with a terminal lease

Locked into a terminal lease? Tell us what you have. We’ll look at what it costs to leave and match you with the right equipment for how you actually sell, with Interac done right.

The contract buyout is subject to conditions and eligibility. Ask us and we’ll lay out the details up front, no surprises.

How to read any processor's quote (ours included)

The fastest way to avoid getting fooled is to ask every processor the same simple questions:

  • What is my all-in effective rate, counting every fee?
  • How is Interac debit priced, and is it separated from credit?
  • Is this interchange-plus, flat, or tiered? If tiered, what lands in the expensive buckets?
  • What are the monthly, PCI, batch, statement, and gateway fees?
  • Is there a contract or a cancellation fee? For how long?
  • Will the rate change after a few months?

If a processor won’t give you straight answers to these, that’s your answer. We’ll put every one of these in writing. The Code of Conduct for the Payment Card Industry in Canada is on your side here: you have the right to clear pricing and to leave without penalty when terms change.

Your switching questions, answered

Is switching credit card processors hard in Canada?
No. The work is mostly on our side. You send one recent statement, we set up your new account, and we switch you over so there is no gap. Most businesses spend less than an hour of their own time on it. The Code of Conduct for the Payment Card Industry in Canada also protects your right to clear pricing and fair cancellation terms.
Will switching interrupt my payments or my Interac?
No. We set up your new account, including Interac, and confirm it works before you cancel your old provider, so your payments never stop. If you have recurring customers or stored card data, we help move them so you don’t lose a payment.
Is there a fee to switch to AllProPay?
We don’t charge setup fees unless something specific is stated in writing first, and we don’t use long-term contracts or cancellation fees. Your current provider may have its own fee, which we’ll help you identify before you do anything.
What if I’m stuck in a contract or terminal lease?
Tell us. We look honestly at your contract or lease and what it would cost to leave, and through our contract buyout we can help cover the early-termination fee when you switch and start processing with us. Conditions and eligibility apply, so send us the charge and we’ll tell you what you qualify for.
Will my current terminal still work?
Some terminals are locked to a provider's network and some aren’t. Tell us what you run and we’ll confirm whether it carries over or what the cleanest path is, with no pressure to buy equipment you don’t need.
How do I know if my Interac is priced wrong?
On a free statement review we check whether your Interac debit is being billed at a credit-card rate, which is the most common and most expensive Canadian mistake. If it is, we show you exactly what it should cost.

See your switch math

Free, no obligation. If switching doesn’t make sense for you, we’ll say so.

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