Payment processing

Lowest rates. Guaranteed.


Credit processing step-by-step

  • Restaurants/ Caterers/ Bakeries
    Rates start @ 1.36%

  • Restaurants/ Caterers/ Bakeries
    Rates start @ 1.38%

  • Start-ups qualify as low as 0.04 cents!

  • Cost Plus Pricing

    The most transparent way to be billed!

  • Terminals

    Countertop,
    Short Range Wireless,
    Long Range Wireless

Payment processing


With EFS Merchant Solutions, you can start accepting customer payments with Visa, MasterCard, Discover Network and American Express. We also process Interac debit card payments.

Transaction interchange rates are set by Visa and Mastercard. Learn more about Interchange – what it does and how it works.

  • Super Easy Process to sign-up or switch
  • Processing rates are cost + 0.05% on every card type
  • We fund you. You spend it how you choose
  • Verifone, Ingenico and Virtual terminals

Loyalty programs


Our gift card programs are among the best in the industry and well supported. Keep your customers coming back with gift and loyalty program cards customized for your business and your customers.

  • Grow your sales
  • Makes gifting easier
  • Custom Branded Cards
  • Customer support when you need it