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Pricing

One rate. No surprises.

The number you see is the number you pay. A lower rate, free Basic POS, and a one-time setup of just $10 — no contract holding you hostage.

The Surge rate
2.5%+ $0.15
per in-person transaction — tap, chip, swipe, or mobile wallet
In-person credit & wallets2.5% + $0.15
Interac debit$0.30 flat
Online & keyed-in2.9% + $0.30

In person = tapped, inserted or swiped at your counter. Online & keyed-in = paid on a website or payment link, or typed in by hand (like a phone order).

No monthly feeNo statement feeNo lock-in contractNo hidden junk fees
Other fees, no surprises
One-time account setup$10
Dispute fee (only if a chargeback happens)$35
See your exact savings on a free call

Your final rate is confirmed on a quick call. Most local businesses qualify for the rate above.

Software

Pick the plan that fits

Start free with Basic, upgrade to Advanced as you grow, or have us build something completely custom for your business.

Basic
Freewith payments

Everything you need to ring up sales and get paid.

Unlimited sales and checkout
Tap, chip, swipe and mobile payments
Printed and emailed receipts
Daily sales reports
Simple inventory tracking
One register
Start with Basic
30-day free trial
Advanced
$29/ month, after trial

For shops that want to run the whole operation.

Everything in Basic
Barcode and low-stock inventory
Appointments and bookings
Staff roles and permissions
Advanced analytics and insights
Priority support
Start my free trial
Custom
Custompriced per project

Bespoke software built around how your business runs.

Custom CRM systems
Business dashboards and reporting
Workflow automation and integrations
Booking and customer portals
Internal tools and admin panels
Full custom web apps and SaaS
Book a call to scope it

Basic and Advanced run on the same 2.5% + $0.15 payment rate. Custom builds are quoted per project.

Surge vs the big processors

Same payments. Less taken off the top, and nothing buried in the fine print.

Surge
Typical processor
Per-transaction rate (in person)
2.5% + $0.15
2.9% + $0.30
Setup fee
$10 one-time
Up to $99
Monthly fee on payments
$0
$10 to $30
Chargeback / dispute fee
$35
$25 to $100
Lock-in contract
None, cancel anytime
1 to 3 years
Basic POS software
Included free
Paid add-on
Support
GTA-based, real human
Call center

Typical figures shown for comparison and may vary by provider.

Questions

The honest answers

Are there any other fees?

We keep it simple and transparent: a one-time $10 setup, and a $35 fee only if a customer files a chargeback. No monthly fees on payments, no statement fees, and no hidden line items.

What does online or keyed-in mean?

In person means the card is tapped, inserted, or swiped at your counter — that is the lowest rate. Online means a customer pays on a website or payment link. Keyed-in means you type the card number in by hand, like a phone order. Those cost a little more (2.9% + $0.30) because the card is not physically present, which the card networks treat as higher risk.

What is the difference between Basic and Advanced?

Basic POS is free and included with your payments. Advanced adds barcode inventory, appointments, staff roles, and deeper analytics. You can try every Advanced feature free before you pay a cent.

Can you build custom software for my business?

Yes. Beyond the POS we build bespoke software — CRMs, dashboards, automations and full custom apps. Pricing is scoped to your project, so book a call and we will work it out together.

Am I locked into a contract?

No. There is no term contract and no early-termination fee. If Surge is not saving you money, you walk away.

Ready to stop overpaying?

Book a free 15-minute call and we will show you the exact amount you would save by switching to Surge.

Book my free savings call