Transparent & Competitive Pricing
At UCanPay AMS, we believe in offering clear, transparent, and competitive pricing for all your payment processing needs. As a trusted payment ISO in Canada, we are committed to helping businesses of all sizes access affordable, reliable payment solutions tailored to their specific requirements.
Pricing Comparison
To ensure that you receive the best value for your payment processing, we’ve compared our pricing with other leading payment ISOs in Canada. UCanPay AMS offers lower transaction fees, reduced settlement times, and flexible pricing tiers to accommodate businesses of all sizes. We offer two straightforward plans designed to meet diverse business requirements:
Interchange Plus
Get lower transaction costs with direct interchange pricing, plus a 0.5% fee per transaction. Perfect for businesses processing $5,000+ per month, this plan provides maximum cost efficiency by charging the actual interchange rate set by card networks.
⚡ Key Features
- ✅ Lower Costs – Pay interchange fees + 0.5% per transaction.
- ✅ Transparent Pricing – No hidden markups, just processing costs.
- ✅ Better for High Volumes – Save more with more transactions.
- ✅ All Major Cards Accepted – Supports Visa, Mastercard, Amex, etc.
🎯 Who should choose this plan?
- ✔ Businesses processing $5,000+ per month in card payments.
- ✔ Companies handling high-value transactions (e.g., wholesale, B2B, professional services).
- ✔ Merchants looking for lower fees than a flat-rate model.
Flat Rate
Enjoy stable and predictable pricing with a simple 2.5% fee per transaction. Perfect for smaller businesses processing under roughly $5,000 per month, this plan ensures cost stability with a fixed rate, eliminating interchange complexity.
⚡ Key Features
- ✅ Fixed 2.5% Rate – No extra interchange fees or hidden costs.
- ✅ Transparent Pricing – A single rate, no variations.
- ✅ Ideal for Small Sales – Best for frequent, low-ticket transactions.
- ✅ All Major Cards Accepted – Supports Visa, Mastercard, Amex, etc.
🎯 Who should choose this plan?
- ✔ Businesses processing under $5,000 per month in card payments.
- ✔ Merchants with frequent small transactions (e.g., coffee shops, restaurants, boutiques).
- ✔ Companies wanting predictable pricing with simple cost calculations.
Competitive Pricing Overview
| Provider | Interchange Rate | Monthly Fee | PCI Compliance | Chargeback Fee | Settlement Time |
|---|---|---|---|---|---|
| UCanPay AMS | Interchange + 0.5% | $32 | N/A | N/A | 1-2 business days |
| Helcim | 1.76% + 8¢ | $0 | N/A | N/A | 1-2 business days |
| Moneris | 2.65% + 10¢ | $29.95 | N/A | N/A | 1-2 business days |
| Square | 2.65% | $0 | N/A | N/A | Instant |
| Stripe | 2.7% + 5¢ | $0 | N/A | N/A | 1-2 business days |
Additional Fees
We aim to provide full transparency when it comes to fees, so you’re never caught off guard. Below are the additional fees that may apply to certain transactions or features.
- Cross-Border Fee: 1.50% surcharge on international transactions.
- ACH Payments: 25¢ per transaction for ACH payments.
- Terminal Rental: $25 per month for terminal rental (optional).
- Card Network Fees: Fees imposed by Visa, Mastercard, and other card networks (typically 0.10% - 0.15% per transaction).
- Refunds: 20¢ per refund processed.
AMS Advantages
UCanPay AMS offers industry-leading rates, transparent fees, and comprehensive support to help you manage your payment processing efficiently. Here’s why businesses across Canada choose UCanPay AMS:
Complete Pricing Transparency
At UCanPay AMS, we believe in absolute clarity when it comes to pricing. There are no surprises or hidden fees – what you see is exactly what you pay. Our transparent pricing structure ensures that you can confidently manage your costs without any unexpected charges along the way.
Fast and Reliable Settlements
Time is money, and we ensure you get your funds faster than ever. With industry-leading settlement times, including same-day settlements for Enterprise customers, we help keep your cash flow steady and predictable, so you can focus on growing your business.
Advanced Fraud Detection and Prevention
Safeguard your business with UCanPay AMS’s state-of-the-art fraud detection and prevention tools. Our robust security infrastructure ensures that each transaction is protected, giving you and your customers peace of mind. From real-time monitoring to encryption, we take fraud prevention seriously.
24/7 World-Class Customer Support
When you partner with UCanPay AMS, you're never alone. Our exceptional customer support team is available 24/7, ready to assist you with any questions, issues, or challenges that arise. Whether you need technical help or account guidance, we’re here to ensure your experience is seamless and stress-free.