PayFacto Review Canada 2026: Quebec's Restaurant Processor

Who PayFacto Is

PayFacto was founded in Montreal in 2018 through a merger of three Canadian payment companies: B2Billing, CT-Payment, and Supreme Payments. Since then it has acquired Maitre'D POS (from Posera Ltd.), Veloce POS, iShopFood (an online ordering platform), and NEOPOS.

The result is a vertically integrated hospitality payments company: POS software, payment processing, online ordering, and kitchen display systems all under one roof. This is the same playbook as Toast in the US market, but with a distinctly Quebec-focused go-to-market.

PayFacto's parent company and investment structure are not publicly disclosed in detail, which is worth noting for merchants evaluating long-term vendor stability.

Products and Hardware

Maitre'D restaurant POS is the centrepiece. It's been Canada's most widely deployed full-service restaurant POS for decades, particularly dominant in Quebec. Maitre'D handles table management, split bills, modifier tracking, kitchen routing, and loyalty — the full stack that quick-service alternatives like Square or Toast don't match in depth.

Tableside ordering uses Maitre'D integrated with handheld terminals, allowing servers to send orders directly to kitchen display systems (KDS) without paper dockets. The KDS integration is mature — this isn't a recent bolt-on.

Reservit hotel PMS integration connects Maitre'D to hotel property management systems, making PayFacto a natural fit for hotel restaurants and resort food & beverage operations that need folio posting.

iShopFood is PayFacto's white-label online ordering platform. Restaurants get a branded ordering page that integrates directly with the POS — no third-party commission model like DoorDash or SkipTheDishes. For restaurants doing significant pickup and delivery volume, owning the ordering channel is financially significant.

Hardware: Ingenico and Verifone payment terminals, certified for Interac debit, Visa, Mastercard, and Amex. Tap-to-pay supported. Terminal rental and purchase options available — terms vary by contract.

Pricing

PayFacto does not publish pricing. You must call or request a quote. This is a legitimate negative and worth stating plainly — any processor unwilling to publish rate structures is making it harder for you to comparison shop.

Based on merchant reports and industry data, expect:

• Card-present restaurant transactions: Interchange-plus structure at approximately 1.5–2.5% depending on card type and negotiated volume
• Interac debit: Flat rate, typically $0.10–$0.15 per transaction
• POS licensing: Maitre'D carries a separate monthly licensing fee — this adds to the total cost of ownership and is often bundled into a combined quote that obscures the individual components
• iShopFood: Monthly fee for the online ordering platform; commissions may apply depending on contract structure

Contract length is typically 3–5 years for merchants taking POS hardware. Early termination fees apply. Get the full contract reviewed before signing — the bundled nature of POS + processing makes it difficult to compare against standalone alternatives.

Quebec Regulatory Advantage: MEV-WEB and Bill 72

This is PayFacto's strongest differentiator for Quebec operators, and it's a real one.

Quebec's Bill 72 (in force May 2025) requires all Quebec restaurant operators to use a certified Sales Recording Module (SRM) — specifically the MEV-WEB (Module d'enregistrement des ventes — web) system — to transmit sales data to Revenu Québec in real time. Every transaction, tip, void, and refund must be logged and reported. Non-compliance carries significant fines.

PayFacto's MEV-WEB solution handles this natively within Maitre'D. The SRM integration is built into the POS workflow — servers and managers don't need to do anything different. The data goes to Revenu Québec automatically.

Square and Stripe do not handle Quebec SRM compliance out of the box. A Quebec restaurant using Square would need a third-party SRM solution, additional integration work, and ongoing compliance management. This adds cost and complexity that largely eliminates Square's price advantage for Quebec operators.

Lightspeed Restaurant has Quebec SRM compliance as well, making it the primary direct competitor to PayFacto for tech-forward Quebec operators who want better software and are willing to manage the payments integration separately.

Bilingual Support and Quebec Partnerships

PayFacto operates in French and English. Support is available in both languages, and the Maitre'D interface is fully bilingual — relevant for Quebec operators with mixed French/English staff.

PayFacto has established banking relationships in Quebec, including Desjardins partnerships. For restaurant operators whose primary banking relationship is with Desjardins (common in Quebec), this can simplify cash management and settlement coordination.

National support quality outside Quebec is less consistent. Merchants in Ontario, BC, or Alberta report longer wait times and less specialized restaurant expertise from PayFacto's support team — the Quebec roots show.

Who PayFacto Is Best For

• Quebec full-service restaurants — particularly multi-location groups where Maitre'D's centralized reporting and SRM compliance pay off across sites
• Hotel food & beverage operations — Reservit PMS integration is a genuine advantage
• Businesses requiring French-language POS and support — the bilingual stack is genuine, not an afterthought
• Operators already running Maitre'D — if your POS is already Maitre'D, PayFacto processing is the path of least resistance
• Restaurants that need Quebec SRM compliance handled without third-party integration

Who Should Look Elsewhere

• Solo food trucks and quick-service operators — Square for Restaurants or Helcim Go is significantly simpler to set up, cheaper at lower volumes, and doesn't require a multi-year contract
• Tech-forward restaurants wanting Stripe integration — PayFacto is not developer-friendly. There's no modern API, no webhook documentation, no sandbox environment for testing integrations
• Merchants outside hospitality — PayFacto is purpose-built for restaurants and hotels; retail merchants have better options
• Operators in provinces where MEV-WEB compliance isn't relevant — outside Quebec, the core differentiator doesn't apply and the opaque pricing becomes a harder trade-off

Red Flags

Non-transparent pricing. You cannot get a rate sheet without calling. This makes pre-sales comparison shopping nearly impossible and puts negotiating leverage heavily on PayFacto's side.

Contract terms not publicly posted. Early termination fees, equipment return requirements, and auto-renewal clauses are all negotiable — but only if you know to ask. Request the full merchant agreement before any demo or trial.

Difficult contract exits. Merchant reviews (particularly on Google and industry forums) describe contract exit experiences similar to Moneris complaints: fees, equipment return disputes, and protracted cancellation processes. This is worth factoring in if your business circumstances might change.

Quebec-centric national expansion. PayFacto is actively expanding outside Quebec, but the product depth and support quality are still strongest in their home market.

PayFacto vs Square vs Lightspeed: Quebec Restaurant Comparison

The Bottom Line

PayFacto earns its dominant Quebec market position. For a full-service restaurant in Quebec that needs MEV-WEB compliance handled natively, bilingual POS software, and deep restaurant-specific features, the trade-offs around pricing opacity are defensible. The alternative — patching together Lightspeed or Square with a separate SRM solution — carries its own complexity and cost.

Outside Quebec, the calculus changes. Without the regulatory advantage, PayFacto is a relatively expensive, non-transparent processor competing against well-documented alternatives. For those operators, Moneris, Helcim, or Lightspeed Restaurant are worth evaluating first.