Where do most of your sales happen?
How much do you process per month (or expect to)?
What matters most to you?
Do you use (or plan to use) a specific e-commerce platform?
What type of business do you run?

Not Sure About Your Answers? Here's the Cheat Sheet

If you don't want to take the quiz, here's the short version:

SituationBest ProcessorWhy
Just getting started, want it easySquareFree, instant, no approval needed
Processing $5K+/month, want lowest feesHelcimInterchange-plus saves 20-30% vs flat rate
Online business or SaaSStripeBest API, best online checkout
Shopify storeShopify PaymentsAvoids extra transaction fees
RestaurantLightspeedBest restaurant POS in Canada
Want a big Canadian bank behind youMonerisRBC/BMO-backed, widest terminal support
Nonprofit / charitySee nonprofit guideSpecial rates and donation tools available

For detailed fee comparisons, see our fee comparison page or run your exact numbers through the fee calculator.

🏆 Still Not Sure?

Read our full comparison of the best payment gateways in Canada. It covers every major processor with detailed pricing, pros, cons, and real cost examples.