Payments
Comment les commerçants canadiens changent de fournisseur de services de paiement en 2025
The Switching Landscape
In 2025, more Canadian merchants are re-evaluating their payment processing contracts than at any point in the past decade. The rise of flat-rate pricing, improved terminal hardware, and faster settlement windows have raised the bar for what a processor should deliver.
What to Look For
Before switching, evaluate three things: your effective rate (total fees divided by total volume), your settlement speed, and your support response times. A processor offering 1.5% flat-rate with next-day settlement and real human support will almost always outperform a legacy provider on all three.
Common Mistakes When Switching
The biggest mistake merchants make is focusing on rate alone. A lower interchange rate with poor hardware reliability will cost more in lost sales than the savings justify. Always request a 30-day pilot before committing.
La plupart des commerçants évaluent un système PDV en fonction de son prix affiché. Pourtant, le véritable coût d'un mauvais système de paiement se manifeste dans des aspects qui n'apparaissent jamais sur une facture.
