Our Story
Built for Canadian businesses
CorePay exists for one reason: to help Canadian merchants stop paying credit card fees. Through compliant surcharging and straightforward POS technology, we put those savings back where they belong — in your business.
What drives us
Our mission, values, and commitment
Every decision at CorePay starts with one question: is this good for the merchant?
Our Mission
Help every Canadian merchant pay less in processing fees and keep more of what they earn — without complexity, hidden markups, or long-term lock-in.
Our Values
Transparent pricing, compliant surcharging programs, and a merchant-first approach. We never profit from confusion — every fee is disclosed up front, every time.
24/7 Canadian Support
Real people, based in Canada, available around the clock. No overseas call centres, no ticket queues. When your terminal goes down at 11 PM, we pick up.
Credit card processing cost
for qualifying Canadian merchants
Canadian support — phone, chat, and email,
365 days a year
The year compliant credit card surcharging
became legal across most of Canada
The CorePay story
Why we built CorePay
For decades, Canadian merchants had no choice but to absorb credit card processing fees — typically 1.5% to 3.5% of every transaction. For a restaurant doing $1 million in annual sales, that can mean $25,000 or more paid to the card networks every year, with nothing to show for it.
In 2022, a landmark change in Canadian payment regulation opened the door for compliant credit card surcharging. For the first time, merchants outside Quebec could pass the cost of credit card acceptance on to customers who choose to pay by card — the same way merchants in the United States and Australia had been doing for years. Debit and Interac payments remain free to the customer, as always.
CorePay was built from the ground up to make that change real for everyday Canadian merchants. We handle the compliance — the card network notifications, the disclosure signage, the surcharge caps, the receipt formatting — so you never have to think about it. You just stop paying.
We work with leading acquirers including Elavon, Clover, Moneris, Square, and Global Payments, and we supply the hardware, the software, and the support to keep your business running smoothly. Whether you run a single-location restaurant or a multi-site retail chain, CorePay fits the way you work.
What makes CorePay different
- Fully compliant surcharging — we handle all card network requirements on your behalf
- Free POS hardware for qualifying merchants — no upfront capital required
- Works with the processors you may already know: Elavon, Clover, Moneris, and more
- Clear, plain-language pricing — no hidden markups or surprise fees
- Surcharge capped at 2.4% and never more than your actual cost of acceptance
- Debit and Interac transactions are never surcharged
- 24/7 Canadian support team with a real phone number that rings
- Month-to-month flexibility — no punishing long-term contracts
Get started
Ready to start keeping more?
Send us your last merchant statement. We'll show you exactly how much you would have saved with CorePay — no obligation, no sales pressure.