Pay Less. Keep More.
CorePay helps Canadian businesses cut credit card processing to 0% with compliant surcharging — accept Visa, Mastercard, debit and Interac, get POS hardware free for six months, and reach a real person any hour, anywhere in Canada.
Multiple providers. One trusted payment partner.
0% credit‑card processing is available to qualifying merchants through an eligible payment program.* See how it works →
What are you really paying?
Live estimateEstimate based on your inputs. With CorePay's 0% program the credit card fee moves to the cardholder at checkout, so your processing cost drops to zero.* Your statement review confirms the exact figure.
Terminals for every counter and curb.
From a sleek countertop unit to a handheld smart terminal, a full POS station, or tap-to-pay on a phone — up to six months free for qualifying merchants.
See all hardware →Countertop terminal
Fast tap, chip & PIN for the till.
Most popularHandheld smart terminal
Take payment to the table or curb.
Smart POS station
Full point-of-sale with live reporting.
Tap-to-pay on phone
No extra hardware — accept tap anywhere.
Watch your processing fees drop toward zero.
With compliant credit-card surcharging, the card fee moves off your books — so your effective processing cost can reach 0% for qualifying merchants. Debit and Interac stay standard, and your listed prices never change.*
See how 0% works →Lower costs. Free hardware. Real support.
The same things every processor promises — actually delivered, and built for the way Canadian businesses run.
Explore all payment solutions →0% credit card processing
Keep 100% of every credit sale. Through compliant surcharging, the card fee shifts to the cardholder at checkout — so your effective processing cost is zero.*
6 months free hardware
Smart terminals and POS for your counter, your table, or your pocket — free for the first six months. Open the doors without a hardware bill.
24/7 support
Payments don't stop at closing time, and neither do we. Reach a real Canadian-based person any hour, any day — not a ticket queue.
Why pay more when you can pay 0%?
Your current processor may be taking more from every sale than you realize. Here's a typical $10,000 month, side by side.
- No monthly fees, no statement fees quietly stacking up on your account.
- No hardware cost for the first six months.
- $1,000+ back in your pocket in a typical month for a mid-volume business.
A full POS platform behind every sale.
0% is the headline. Underneath it, CorePay gives you the tools to actually run the business — reporting, inventory, staff, loyalty and more.
Explore payment solutions →Live reporting
Real-time sales, deposits and trends from any device — so you always know your numbers.
Omni-channel
One system for in-store, online, mobile and tap-to-pay on phone, in a single dashboard.
Inventory control
Track stock, get low-stock alerts, and spot your best sellers automatically.
Staff management
Role-based access, clock-in and per-employee sales — without exposing sensitive data.
Gift cards & loyalty
Sell branded gift cards and run points or rewards that bring customers back.
Customer engagement
Email, text or printed receipts that turn one-time buyers into regulars.
Surcharging, done by the book.
"0%" isn't a gimmick — it's a compliant surcharge program that's been legal across Canada since 2022. Here's exactly how it works.
Read the full 0% explanation →A small, visible card fee
Customers paying by credit card see a clearly displayed fee at checkout — capped at the legal maximum. It's printed on signage and the receipt, so nothing is hidden.
Customers keep the choice
Anyone can avoid the fee by paying with debit, Interac, or cash. Your listed prices never change — the surcharge only applies to credit.
You keep 100%
The card cost no longer comes out of your margin. CorePay configures the terminals, supplies the signage, and keeps the whole setup compliant for you.
*0% credit‑card processing is available to qualifying merchants through an eligible payment program. It works through compliant surcharging where permitted (generally outside Quebec), with advance notice, a maximum 2.4% surcharge, and disclosure at the entrance, point of sale and on the receipt. Debit and Interac are not surcharged, and the fee is shown before payment and avoidable with debit or cash, so listed prices remain attainable. Program structure, equipment eligibility, card types and terms may vary; eligibility is confirmed during your free statement review.
Configured for the way you get paid.
From a $4 coffee to a $4,000 repair invoice, CorePay is set up around your floor — not a generic default.
See all industries →Restaurants & cafés
Tableside tap and tip prompts. Small‑ticket fees add up fast — stop paying them.
Retail & boutiques
Better margins start at checkout. Keep more for inventory and growth.
Salons & spas
Your talent fills the chair. High fees shouldn't take a cut of every appointment.
Auto & repair
Big invoices shouldn't mean big processing fees. Keep more from every job.
Clinics & professional
Focus on your clients, not transaction fees. Simple, affordable getting‑paid.
Convenience & grocery
Hundreds of taps a day means small fees become major costs. Higher volume, higher savings.
New businesses
Every dollar matters at launch. Start with lower costs and free hardware from day one.
Online & mobile
Payment links, e‑commerce and tap‑to‑pay on phone for markets, carts and delivery.
Three steps to 0%.
Most businesses are live within a week — and we handle the heavy lifting.
Free statement review
Send us last month's processing statement. We read it line by line and show you exactly where the money is going.
We build your 0% setup
You get a written savings breakdown, the right terminals for your floor, and signage — all configured and compliant.
Go live with 24/7 support
We ship pre‑configured hardware and walk your team through go‑live. A real person stays on call after launch.
*Illustrative figures for layout — replace with your verified numbers before launch.
What CorePay merchants actually say.
Real results from businesses that stopped overpaying. (Sample stories shown — swap in your own client quotes.)
We were losing close to $900 a month in fees and didn't even know it. The switch took a week, the terminal was free, and now that money stays in the business.
Setup was painless and the team walked through my old statement line by line. I finally understand what I was actually paying for.
Big repair invoices used to mean big fees. Now I keep 100% and my customers don't blink at the card option.
See your savings before you commit to anything.
Send us a statement, get a clear breakdown, and find out what 0% processing puts back in your business. No obligation.
- Free, no‑obligation statement review
- Written, line‑by‑line savings breakdown
- 6 months free hardware on switch
Get your free statement review
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