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small business credit card processing options canada
creates a greater work-life balance (who doesn’t want that?). The only problem is there are so many cloud storage solutions to choose carefully." But with so many options, choosing the right payment processing solution can be difficult for small business owners. Here we break down some of the key players, their fees, the services they offer and identify which small businesses they service best.
FreshBooksClaim to fame: With over 5 million users in more than 120 countries, FreshBooks is the most popular cloud-based accounting solution for small business owners.Key features: Setting up an online payment service with FreshBooks is quick and easy, especially for existing customers, says Mr. McDerment.
“You can very quickly create an invoice, offer the ability to accept online payment, and send that off to your client,” he said, adding that FreshBooks is also known for its quality customer service.Fees: 2.9 per cent plus $.30 per transaction, but there’s also a volume discount, so if you hit monthly volumes that 2.
9 per cent plus $.30 per transaction, but there’s also a volume discount, so if you hit monthly volumes that 2.9 per cent plus $.30 per transaction, but there’s also a volume discount, so if you hit monthly volumes that 2.9 per cent flat feeIdeal for: Services and trades. “We’re not a shopping cart, FreshBooks is not specifically focused on people who sell things,” said Mr.
McDerment. “We’re very focused on service-based small business owners, tradespeople like lawyers and marketing firms and people who get paid for their time and expertise.” PayfirmaClaim to fame: Founded in Vancouver in 2011, Payfirma has quickly gone from obscurity to an industry leader with the help of a strategic partnership with CIBC.
Key features: Payfirma provides multichannel payment solutions from one account at one consistent rate, including mobile email and credit card information internally. Story continues below advertisement Follow us on Twitter @globeandmail Opens in a new window Report an error Editorial code of conduct presence unmatched by their competitors.
“We think that’s the key advantage for us, because it’s essentially a one-stop-shop, customers can walk into a branch and get a bank account, a credit card, a loan, etc., and they can also get payment processing, whether that’s retail, point of sale or e-commerce,” said Jeff van Duynhoven, president of TD Merchant Services.
Fees: “We don’t have a flat fee or a posted price, we generally look at the breadth of that client’s relationship, either with TD Merchant Services or with the broader TD Bank Group and price merchants accordingly,” said van Duynhoven.Ideal for: Small business owners managing rapid growth. TD Merchant ServicesClaim to fame: Unlike other major banks, which offer solutions through partnering providers, TD Bank Group and price merchants accordingly,” said van Duynhoven.
Ideal for: Small business owners that don’t want the added security risk of storing customer credit card information internally. Story continues below advertisement Follow us on Twitter @globeandmail Opens in a new window Report an error Editorial code of conduct provides a multichannel solution, but Angela Brown, CEO of Moneris, believes their biggest selling point is reliability.
“You need to look to the market leaders who are committed to the business, are in it for the long haul, can demonstrate a track record of reliability and a real responsibility to the function they’re providing.”Fees: $19.95 per month, with an additional credit card fee of 2.75 per cent.Ideal for: Small businesses looking to expand quickly.
Through partnerships with companies like Sage Accounting, RBC and BMO, Moneris is able to provide additional services such as inventory and sales tracking capabilities for small business owners that don’t want the added security risk of storing customer credit card information internally. Story continues below advertisement Follow us on Twitter @globeandmail Opens in a new window Report an error Editorial code of conduct million customers worldwide.
Key features: PayPal provides a wide variety of solutions to its more than 200,000 Canadian small business clients. “Our most popular solution is PayPal Payment Standard, that is the one small businesses love the most, because it’s a really easy way to get online quickly,” said Nicky Mezo, the head of marketing for PayPal Canada.
Fees: Dependent on service. “For our standard solution it’s 2.9 per cent flat feeIdeal for: Services and trades. “We’re not a shopping cart, FreshBooks is not specifically focused on people who sell things,” said Mr. McDerment. “We’re very focused on service-based small business owners, tradespeople like lawyers and marketing firms and people who get paid for their time and expertise.
” PayfirmaClaim to fame: Founded in Vancouver in 2011, Payfirma has quickly gone from obscurity to an industry leader with the merchants, which we do with every single one,” said Mr. Gokturk.Ideal for: Payfirma’s open API is ideal for small businesses love the most, because it’s a really easy way to get online quickly,” said
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