Payment processing

Lowest rates. Guaranteed.

Credit processing step-by-step

  • Restaurants/ Caterers/ Bakeries
    Rates start @ 1.36%

  • Restaurants/ Caterers/ Bakeries
    Rates start @ 1.38%

  • Start-ups qualify as low as 0.04 cents!

  • Cost Plus Pricing

  • Countertop, Short & Long Range Wireless

Payment processing

With EFS Merchant Solutions, you can start accepting customer payments with Visa, MasterCard, Discover Network and American Express. We also process Interac debit card payments.


Transaction interchange rates are set by Visa and Mastercard. Learn more about Interchange – what it does and how it works.

Super Easy Process to sign-up or switch
Our pricing model is cost plus
We fund you. You spend it how you choose
Verifone, Ingenico and Virtual terminals

Loyalty programs

Our gift card programs are among the best in the industry and well supported. Keep your customers coming back with gift and loyalty program cards customized for your business and your customers.

Grow your sales
Makes gifting easier
Custom Branded Cards
Customer support when you need it

Apply Now