Payment providers in Canada
Payment providers in Canada: PSPs, payment gateways and aggregators for pay-ins and payouts — local methods, rates and onboarding terms. Listings: 84.
Flexepin
Flexepin is a payment system founded in 2015 and part of Australia's Novatti Group. It covers a broad mix of methods, from cards and Apple Pay to European…
Fluid Pay
Fluid Pay is a cloud-based white-label payment gateway with a REST API, built on a modern Go architecture and founded in 2017 in the Chicago area (Lombard…
Fondy
Fondy is a payment service provider founded in 2016. It accepts international card payments, serves marketplaces and can split payouts between several parties…
Fullsteam
Fullsteam is a payment facilitator (PayFac) operating in the United States and Canada. Its product, FullsteamPay, provides embedded payment processing and…
GoCardless
GoCardless is a London-based provider of bank debit and instant bank payments, founded in 2011. It collects one-off and recurring payments account to account…
Guardarian
Guardarian is a fiat-to-crypto gateway through which users and partners buy, sell and convert cryptocurrency. It provides on- and off-ramps between fiat and…
Helcim
Helcim is a payment service provider for businesses in Canada and the United States. It accepts payments in store and online, issues invoices and handles…
InstaDebit
InstaDebit is a payment system operating since 2003 and aimed at users in Canada. Customers use it to fund an account and pay for purchases, while merchants…
Klarna
Klarna is a payment provider founded in 2005 that operates through the Swedish entity Klarna Bank AB. It serves e-commerce, financial services and travel, and…
LemFi
LemFi is an international money transfer service that works through a mobile app. Money can be sent from Canada, the United States, the United Kingdom and…
Lightspeed Payments
Lightspeed Payments provides embedded payment acceptance for retail stores and restaurants. Payments run inside the point-of-sale system, and in supported…
Mercuryo
Mercuryo is a Web3 payment infrastructure group founded in 2018, with offices in London and Limassol. It provides embedded on/off-ramp and payment services for…
Moneris
Moneris is a Canadian payment acquirer and processor founded in 2000 and created as a joint venture of RBC and BMO. The operating entity is Moneris Solutions…
MuchBetter
MuchBetter is an e-wallet that has been running since 2016. Users top up a balance and spend it at merchant checkouts that support this payment option, which…
Neosurf
Neosurf is a payment system founded in 2004. Users manage funds through a mobile app, and deposits and withdrawals are made by bank transfer. Currencies euro…
NMI
NMI is a white-label payment gateway platform and infrastructure for ISOs, PayFacs, ISVs and acquiring banks. It was founded in 2001, with offices in Roselle…
Noda
Noda is a platform for instant open banking account-to-account payments, payment cascading and AI-based user analytics, built for high-conversion verticals. It…
Nuvei
Nuvei is a Montreal-based payment provider founded in 2003, with roots in SafeCharge, a cashier long used by betting and casino operators. It combines a…
Services in Canada
Payment providers by country
Subsections
Payment service providers in Canada
Canadian consumers split their spending between credit cards and Interac, the domestic debit network. This page lists {count} payment gateways, processors and payout providers that accept Canadian dollars (CAD) or onboard Canadian businesses.
Local payment methods in Canada
- Interac e-Transfer: bank-to-bank transfers by e-mail or phone, widely used for top-ups, P2P and iGaming deposits; also a common payout route.
- Interac Debit in-store and online, plus Visa, Mastercard and Amex cards.
- EFT / pre-authorised debits for subscriptions, rent and B2B — see ACH-style transfers.
- Crypto on- and off-ramps for regulated platforms.
Regulation
Money services businesses (including many payment processors and crypto platforms) register with FINTRAC. Payment service providers are also being brought under Bank of Canada supervision through the Retail Payment Activities Act. Gambling is provincial: Ontario runs a regulated iGaming market through iGaming Ontario and AGCO, while other provinces rely on their lottery corporations. See legal in Canada.
High-risk, iGaming and forex
Licensed Ontario operators can get domestic acquiring; offshore iGaming, forex and crypto merchants typically look for Interac-based pay-in through specialised providers. Ask about chargebacks on cards, recall risk on transfers, and source-of-funds checks. See high-risk merchants.
Choosing a Canadian PSP
- Interac coverage (e-Transfer, Online, Debit) and confirmation speed
- Card pricing (interchange-plus vs flat), FX markup for USD-priced goods
- Payout options: Interac e-Transfer, EFT, push-to-card
- Reserves, settlement frequency, CAD or USD settlement
Related hubs: banks in Canada, exchangers, teams and traders. Check offers or post a request.