Free payment-setup review · Canadian small businesses
Find out what you're really paying to take card payments.
DFM Canada gives small businesses a clear, no-pressure review of their payment setup — fees, deposits, terminals, and online options. Plain English. No obligation.
Free · No obligation · No card or bank details to start
The problem
Card processing shouldn't feel like a trap.
- Statements you can't read and fees you can't explain.
- Reps who push, then disappear after the sale.
- No idea if you're paying a fair rate or twice what you should.
~$2,400/year
what the average small business loses to card-fee charges it can't see, per industry studies. Where that number comes from →
The review
What the review gives you
A plain-English breakdown
What you actually pay now — your true effective rate, line by line, in words you can read.
The fees worth questioning
Statement fees, PCI non-compliance charges, non-qualified surcharges, gateway costs. We name them plainly.
A clear next step — only if it's worth it
Many Canadian small merchants now qualify for a reduced in-person rate and were never moved onto it. If that's you, we'll flag it. If your setup is already good, we'll tell you that too.
The process
How it works
Tell us your setup
What you use now for payments — or upload a recent statement. The quick version is fine.
We review it
We go through it line by line and write up, plainly, what you're paying and where it could be better.
You decide
We walk you through what we found. You choose what to do — no pressure, no obligation.
Context
What Canadian small businesses typically pay
Market ranges — so you can place your own statement. Your review benchmarks your real numbers against these.
- In-person Visa / Mastercard
- 1.4 – 2.0%
- Amex
- 2.0 – 3.0%
- Interac debit
- $0.05 – $0.10 / tx
- E-commerce
- typically higher
Typical effective ranges, not quotes. Eligible small merchants may also qualify for Canada's reduced in-person interchange — worth checking.
Learn
Want to understand it yourself first?
No pressure to talk to anyone. These plain-English guides let you read up on how card-payment costs really work — on your own time.
Understand your processing fees
The one guide that shows you how a card-payment bill is really built — and where the money quietly leaks.
Read →The hidden-fee glossary
Statement fee, PCI non-compliance, non-qualified surcharge, batch fee — what each one means, in plain words.
Read →Interchange, explained
The wholesale cost every processor pays — and why knowing it changes how you read your rate.
Read →Still have questions?
Is it really free? Do you need my bank login? What if my setup is already fine? We answer all of it, honestly.
Read the FAQGet started
Get your free review
Tell us a little about your setup. We'll reply within 2 business days. No card or bank details needed — ever.
- Free and no obligation — always
- A reply within two business days
- One gentle follow-up at most