Canadian Dollar (CAD)
Published processing fees and market availability for the Canadian Dollar (CAD) across 13 gateways, bank acquirers, and payment rails serving Canada. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: North America payments guide · All North America currencies
Who serves this currency
All 13 gateways, bank acquirers and wallets serving CAD markets, including providers with published CAD fee schedules (7) and custom/quote-only processors (6).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeCanadian cards; +0.8% international cards, +2% currency conversion. | Published fees |
| SquareOnline transactions, Canada. In-person (tap/chip): 2.6% + C$0.10. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| BraintreeCanadian standard card processing. | Published fees |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| AirwallexRegional availability, ask for a quote. | Serves this market |
| HelcimInterchange-plus: online = interchange + 0.5% + C$0.25 (in-person +0.4% + 8¢). Independent comparisons cite ~2.3% average all-in. Volume discounts. | Custom pricing |
| MonerisOnline/card-not-present 2.85% + C$0.30; in-person 2.65% + C$0.10. Monthly plan and setup fees may apply; interchange-plus available at volume. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalCanadian commercial transactions; cross-border ~3.7–3.9%. | Published fees |
| GoCardlessPAD bank debit in Canada, capped at C$5. | Published fees |
| RotessaBank pre-authorized debit (PAD) only, not cards. C$25/month base + C$0.50 per transaction; C$30 per failed/NSF payment. Built for subscriptions. | Published fees |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (7 of 13 providers serving CAD). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified CAD rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 13 providers serving CAD.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (6 additional providers serve CAD with custom or quote-only pricing—see all 13 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeCanadian cards; +0.8% international cards, +2% currency conversion. | 2.9%+0.8% international cards | CA$0.30 | n/a | +0.8% |
| SquareOnline transactions, Canada. In-person (tap/chip): 2.6% + C$0.10. | 2.9%+1% international cards | CA$0.30 | n/a | +1% |
| BraintreeCanadian standard card processing. | 2.9%+1% international cards | CA$0.30 | n/a | +1% |
| MonerisOnline/card-not-present 2.85% + C$0.30; in-person 2.65% + C$0.10. Monthly plan and setup fees may apply; interchange-plus available at volume. | 2.85%+0.8% international cards | CA$0.30 | n/a | +0.8% |
Compare two CAD card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in CAD.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalCanadian commercial transactions; cross-border ~3.7–3.9%. | 2.9%+1% international cards | CA$0.30 | n/a | +1% |
| GoCardlessPAD bank debit in Canada, capped at C$5. | 1% | CA$0.40 | CA$5.00 | Same rate |
| RotessaBank pre-authorized debit (PAD) only, not cards. C$25/month base + C$0.50 per transaction; C$30 per failed/NSF payment. Built for subscriptions. | 0% | CA$0.50 | n/a | Same rate |
Monthly, plan & setup fees (CAD)
8 of 13 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| SquareSquare Plus: US$29/mo (locks in 2.9% + $0.30 online in US vs 3.3% + $0.30 on Free plan) | $0/mo + tiers | $0/mo (Free plan) | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| BraintreeStandard pay-as-you-go merchant account; custom enterprise pricing at scale | No monthly fee | $0/mo | $0 |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| AirwallexPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| HelcimNo monthly fee, no contract; automatic volume discounts on interchange-plus | No monthly fee | $0/mo | $0 |
| MonerisMoneris Checkout online gateway fee; custom interchange-plus at volume | Monthly plan | ~C$25–C$30/mo | C$0–C$100 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| GoCardlessAdvanced / Pro plans (£50–£200/mo) add custom branding & automated retry logic | $0/mo + tiers | $0 / £0 / €0/mo (Standard) | $0 |
| RotessaTiered by monthly volume (C$25/mo for 1–100 txns, C$60/mo up to 300 txns) + C$0.50/txn | Monthly plan | C$25/mo | C$0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Canadian Dollar (CAD) payment gateway FAQs
Which payment gateways and processors serve Canada (CAD)?
Sympli5 tracks 13 payment gateways, bank acquirers, and payment rails serving Canada (Canadian Dollar, CAD), including Stripe, PayPal, Square, Adyen, Checkout.com, Braintree and 7 others. Of these, 7 publish verifiable standard CAD per-transaction schedules and 6 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Canadian Dollar (CAD)?
Among the 7 providers with publicly verified CAD schedules, the lowest headline variable rate starts at 0% + CA$0.50 via Rotessa. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive CAD calculator on this page to compare exact net payouts.
Do CAD payment gateways charge monthly or setup fees?
Of the 13 providers serving CAD markets, 8 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 5 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for CAD transactions?
An international (foreign-issued) card fee applies when a customer pays your business in CAD using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In CAD, providers like Stripe (+0.8%), PayPal (+1%), Square (+1%) add an explicit cross-border card surcharge on top of their domestic rate.