Payment processing in Toronto, without the junk fees.
From a King West café to a Scarborough salon to a Kensington Market shop — Surge gives Toronto businesses a lower, transparent card rate and a real person who picks up the phone.
Why Toronto owners switch
Toronto runs on cards. Between tourists tapping foreign Visa and Mastercard, locals paying with Apple Pay, and a heavy share of Interac debit, most independent shops here are handing a bigger slice of every sale to their processor than they realize — usually inside a “blended” rate that hides what each transaction actually costs.
Surge replaces that with one clear rate: 2.5% + 15¢ on in-person cards, a one-time $10 setup, and no monthly fee. You see the number, you keep more of every sale, and you can walk away any time — there’s no term contract.
2.5% + 15¢ on in-person cards, with the setup and terminal explained up front — no statement-fee maze.
Canadian debit is a big share of Toronto tabs. We keep Interac cheap instead of burying it in blended pricing.
We come to your counter across the city and the GTA, get your terminal live, and stay reachable after.
A point-of-sale, sales reports and inventory come with your payments — not a separate monthly bill.
See what you'd save
Drag the sliders to your real monthly card volume and average ticket. Most Toronto owners are surprised by the annual number.
That is about 800 transactions a month.
Estimate only. Compares a common 2.9% + $0.30 per-transaction rate against Surge pricing of 2.5% + $0.15 per transaction. Your exact savings are confirmed on the call.
Prefer we do the math? Book a free 15-minute call and we’ll read your current statement with you.
Payments and point of sale, together
Every Surge account includes a built-in point-of-sale: fast checkout, inventory, receipts, and daily reports on the device you already have. Run a restaurant? Our POS for restaurants handles tabs, tips and the kitchen. It’s the same lower rate whether you’re a single register or several across the city.
Learn the fees before you switch
Find out what you're overpaying in Toronto
A free 15-minute call, a clear quote, and the exact dollar amount you'd save by switching. No pressure, no jargon.