Top Payment Integration Partners in Canada

Payment integration

You’re a software vendor looking to provide more value to your product by adding the ability to accept payments. But with so many processors out there, it can be hard to decide which one best aligns with your business and customers. This document summarizes the top payment integration partners in Canada to help you narrow your search and find a solution that will integrate seamlessly with your products and business.

To help you make an informed decision, the following criteria will be used to highlight the different capabilities of each partner:

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Strength of product

Do they have innovative payments technology? Is it secure? Do their payment offerings meet your customers’ payment acceptance needs?

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Ease of integration

Is their API integration process straightforward and simple? Is their API flexible? Developer-friendly? Does their API have the functionalities you and your customers need?

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Support

What kind of support do they offer for your customers? Do they have integration support for your developers? Do they offer marketing support as part of their implementation plan?

At the beginning of each entry is a “Quick glance” section where we’ve addressed the following topics:

  • If they offer flat rate pricing or MDR (merchant discount rate): The latter typically affords your customers lower and more flexible pricing. Additionally, payment partners may work with you to offer preferred pricing for your shared customers, providing them with even more competitive rates within the industry. For more information on flat rate versus MDR pricing, scroll to the bottom of the page.
  • If they offer sandbox accounts: This is necessary for your developer’s integration process.
  • If they offer a revenue share program: It’s common practice for payment integration partners to offer revenue share on your referred merchants in the form of a percentage of the total processing volume of your referred customers. It will vary from partner to partner, but some of the more robust payment integration partners will also offer line of sight into your referrals and residuals.
  • If they offer dedicated merchant accounts: This will affect your customers’ funding times.

Elaborating on the last point, a merchant account is mandatory to accept payments, even through an integration. The following list of payment integration partners is a mix of merchant account providers and processing aggregators. Merchant account providers, as you may have deduced, provide customers with their own merchant account, while processing aggregators allow customers to use a joint merchant account along with other similarly-sized merchants. Whether you decide to partner with a merchant account provider or a processing aggregator can significantly impact your customers’ funding times. With an aggregator, funds are initially deposited into their merchant account first instead of straight into the merchant’s individual account, and they can hold funds at their discretion. Aggregators typically have aggressive fraud prevention measures in place so if fraud is suspected in the slightest, they have the ability to freeze funds to investigate, leading to funding delays for your customers.

Top Payment Integration Partners in Canada

(in alphabetical order)

Bambora

https://www.bambora.com

Bambora North America was previously Beanstream, which was founded in 2000 and is based out of Victoria, British Columbia. Acquired by Swedish payments company Bambora in 2015, Beanstream officially rebranded to Bambora in May 2017 when they became Bambora's North American hub. Bambora specializes in online and in-app payment processing. Bambora's gateway is white labelled by companies like First Data Canada and TD Bank Merchant Services.
Quick glance
Pricing structure: Flat rate*
Sandbox account: Yes
Revenue share: Yes
Dedicated merchant account: Yes
*Bambora offers customized pricing for their enterprise accounts.

Strength of Product

Bambora deals strictly with online payments, and their in-house gateway can be paired with a merchant account from another processor if needed. Bambora is bank-neutral, meaning that they work with most acquiring banks in North America and Europe. They have a vast suite of secure payment processing tools that help your customers process online payments however their respective customers prefer.

  • Gateway
  • Mobile processing
  • Recurring billing
  • Virtual (web) terminal

Ease of Integration

Bambora offers a developer-friendly API with features that cover a wide range of functionalities. Their API enables online payments, card tokenization, secure payment profiles, and reporting. Bambora’s API is designed for easy integration with mobile and eCommerce applications as well as multiple plugins and tools for shopping carts, CMS suites, and multiple programming languages. Bambora offers two onboarding options (API or hosted screens) that can be branded with your look and feel to provide a smooth and quick onboarding experience for your customers.

Support

CUSTOMER SUPPORT
Bambora has a support FAQ as well as live chat, email, and phone support (24/7 from Monday to Friday and until 9 pm PST on Fridays).

DEVELOPER SUPPORT
Bambora has an extensive developer portal that contains guides and references with tutorials, quick starts, and SDKs to help your developers during their integration process.

MARKETING SUPPORT
Bambora does not provide marketing support.

Bluefin

https://www.bluefin.com

Bluefin was founded in 2007 and is based out of Atlanta, Georgia. Bluefin formerly operated under Capital Payments and switched over to Bluefin in 2012.
Quick glance
Pricing structure: MDR
Sandbox account: Yes
Revenue share: Yes
Dedicated merchant account: Yes

Strength of Product

Bluefin’s patented P2PE (point-to-point encryption) solution, Decryptx, keeps up with payment industry standards by providing industry-leading security and reducing PCI scope for your customers. Their propriety gateway, PayConex, supports all point of sale transactions types.

  • Gateway
  • Mobile processing
  • Recurring billing
  • Virtual (web) terminal

Ease of Integration

Bluefin provides a full suite of developer SDKs and APIs for integration with your software. Their API enables one-time or recurring debit, credit, ACH, and e-Check transactions, as well as online transaction reporting. Bluefin has multiple API programming interfaces that allow your developers to easily integrate their range of payment methods into your software.

Support

CUSTOMER SUPPORT
Bluefin offers a knowledge base and FAQs for self-serve resolution. Your customers can contact their Chicago-based support team via phone and email during regular office hours. Bluefin also has an online service for merchant applications and a dedicated team to walk your customers through the onboarding process.

DEVELOPER SUPPORT
In addition to sandbox environments, they provide SDKs and APIs to help your developers seamlessly integrate Bluefin’s payment solution into your software.

MARKETING SUPPORT
Each integrated software vendor (ISV) is assigned a dedicated partner manager that ensures client satisfaction, processing performance, and revenue generation. Bluefin also provides resources that support your needs: sales collateral, videos, customer landing pages, webinars, sales campaigns, and trade show support.

BluePay

https://www.bluepay.com

BluePay was founded in 2002 and is based out of Naperville, Illinois. BluePay provides services to over 42,000 businesses and processes over $11,000,000 in transactions annually. They also provide real-time settlement, reporting, and reconciliation.
Quick glance
Pricing structure: MDR
Sandbox account: Yes
Revenue share: Yes
Dedicated merchant account: Yes

Strength of Product

Compared to its competitors, BluePay isn’t as innovative but they do meet merchants’ needs with a wide selection of PCI-compliant online, in-store, and on the go payment services.

  • Gateway
  • Invoicing
  • Mobile processing
  • Traditional terminals
  • Virtual (web) terminal

BluePay also offers an interactive voice response option that allows customers to pay or manage an account through an automated touchtone and voice-activated phone system.

Ease of Integration

BluePay has a feature-rich API that’s developed by an in-house team of more than 50 developers. Their large developer team and portfolio of over 200 integrations mean that they’ve built an API that’s extremely flexible and developed a streamlined integration process. BluePay’s API integrates their virtual terminal, recurring billing, and reporting into your software. They also integrate easily with accounting software like QuickBooks.

Support

CUSTOMER SUPPORT
BluePay’s support section houses FAQs, a resource library of user guides, training materials, and video tutorials. They also offer support via live chat, email, and phone, as well as real-time updates of the current BluePay gateway and merchant portal status.

DEVELOPER SUPPORT
BluePay has a designated integration support team to offer ongoing maintenance and technical support. They also offer integration resources in the form of a code library, full API documentation, test forms, and FAQs.

MARKETING SUPPORT
For their partners, BluePay provides sales training, co-branded marketing opportunities, lead generation expertise, and dedicated partner support.

Braintree

https://www.braintreepayments.com

Braintree was founded in 2007 and is based out of Chicago, Illinois. A subsidiary of PayPal, Braintree is an exclusively digital processor that specializes in online and mobile payments. Their in-house gateway comes as part of every account and merchants also have access to a customer vault and the ability to port customer data if needed.
Quick glance
Pricing structure: MDR*
Sandbox account: Yes
Revenue share: No
Dedicated merchant account: Yes
*For their enterprise accounts only, otherwise Braintree offers flat rate pricing

Strength of Product

Braintree offers cutting-edge payments technology, including a one-touch payment option that allows users to pay securely and easily on apps and websites, contextual commerce, and a mobile cash transfer service: Venmo. Braintree’s SDK enables faster mobile payment integration and customization across platforms. They are also a validated Level 1 PCI DSS-compliant service provider.

  • Gateway
  • Recurring billing
  • Mobile processing

Ease of Integration

Braintree’s innovative API fits advanced developer needs that go beyond simple payment processing. Ideal for more senior programmers, their developer-friendly tools for mobile and digital commerce are extremely customizable and are highly functional. They have integrated with the likes of Facebook, Uber, and Lyft. Braintree’s advanced API makes it easy for your developers to build a payment system into your software that allows your customers to accept a wide range of payment methods like all credit cards, Apple Pay, Android Pay, PayPal, bitcoin, and more. They claim that developers can initiate a transaction with as few as “10 lines of code”.

Support

CUSTOMER SUPPORT
Braintree has a knowledge base and offers support via email and phone during business hours. For emergency assistance, they provide 24/7 support via email from reps and engineers on-call.

DEVELOPER SUPPORT
Braintree provides extensive resources for your developers: guidelines, self-serve knowledge base, FAQs, as well as support for various programming languages. There’s also a live update of the operational status of their API.

MARKETING SUPPORT
Braintree does not provide marketing support.

Moneris

http://www.moneris.com/

Moneris was founded in 2000 and is based out of Toronto, Ontario and owned by RBC (Royal Bank of Canada) and BMO (Bank of Montreal). Their POS is proprietary, meaning their software is only compatible with their hardware.
Quick glance
Pricing structure: MDR
Sandbox account: Yes
Revenue share: Yes
Dedicated merchant account: Yes

Strength of Product

As one of the largest payment processors in Canada, Moneris offers many secure payment solutions and services for your merchants that keep up with industry trends.

  • Gateway
  • Mobile processing
  • Tablet POS
  • Traditional terminals
  • Virtual (web) terminal

Moneris also integrates with a wide selection of third-party tools like accounting software, simplifying your customers’ backend systems.

Ease of Integration

While their API isn’t as advanced as others in the market, they do have industry standards in terms of fraud management tools like CVV, AVS, Verified by Visa, hosted tokenization, and more. Moneris’ API offers end-to-end encryption, hosted tokenization, vault and customer database, as well as an embedded/hosted web solution. Their payment integration process is straightforward, complete with extensive step-by-step integration resources in their developer portal.

Support

CUSTOMER SUPPORT
Moneris offers 24/7 customer support by phone or through their Merchant Direct message center. Moneris’ self-serve support section includes guides and troubleshooting sections. They also have a section for understanding your bill.

DEVELOPER SUPPORT
Through Moneris’ developer portal, your developers can access a collection of tools to customize payment processing solutions: API integrations, HTML documentation, blogs, forums, shopping cart instructions, hosted pay page, and an individual testing environment.

MARKETING SUPPORT
They offer marketing support via dedicated relationship managers and sales training.

Payfirma

https://www.payfirma.com

Payfirma was founded in 2010 and is based out of Vancouver, British Columbia. Partnered with two of Canada’s strongest banks, CIBC and Canadian Western Bank, Payfirma is known for providing omnichannel payment processing and data to their merchants, ISVs, and financial institutions. Their revenue share program sets them apart from the pack by including revenue share on traditional terminals as well.
Quick glance
Pricing structure: MDR
Sandbox account: Yes
Revenue share: Yes
Dedicated merchant account: Yes

Strength of Product

Credited as the first merchant service provider to bring mobile payments to the Canadian market, Payfirma is an omnichannel payment processor, offering seven different payment channels. Both their payments platform, PayHQ, and API are user-friendly and PCI-compliant. They also offer a white label version of their payments platform. Payfirma allows merchants to access all of their payment data in a single dashboard, providing powerful insight into their business.

  • Gateway
  • Invoicing
  • Mobile processing
  • Recurring billing
  • Traditional terminals
  • Virtual (web) terminal

Ease of Integration

Payfirma’s RESTful API offers a flexible build experience by using HTTP & JSON protocols with the same message and response formats you would see in APIs from companies like Slack and Google. Their API follows a standard code structure and error messaging formats that are easy for your developers to work with. Payfirma’s intuitive features make it simple to manage saved customer information in their customer vault, maintain recurring billing plans, and integrate into customers’ bank accounts. Their simple and easy onboarding process allows your customers to activate the integration in just a few clicks.

Support

CUSTOMER SUPPORT
Payfirma offers 24/7 customer support via phone and email, as well as an extensive self-service support center with videos and FAQs. They were a winner in the Frost & Sullivan 2016 Customer Service Excellence Recognition Program.

DEVELOPER SUPPORT
Payfirma’s product team is on hand before, during, and after to support your developers during their integration process. Their developer center also provides thorough guides and FAQs.

MARKETING SUPPORT
Payfirma provides their partners with marketing support in the form of co-branded email campaigns and landing pages, as well as white labelled Payfirma content (blog posts and resources). They also provide your sales employees with product training about Payfirma’s payment solutions, platform, and integration.

PayPal

https://www.paypal.com/ca

PayPal was founded in 1998 and is based out of San Jose, California. PayPal is a digital wallet-based eCommerce company with a global presence, available in 203 markets. PayPal is looked to as the default payment method for eBay sellers worldwide.
Quick glance
Pricing structure: Flat rate
Sandbox account: Yes
Revenue share: Yes*
Dedicated merchant account: No
*Qualified partners may be eligible for revenue share. Eligibility is determined during the onboarding process

Strength of Product

A veteran in the payments space, PayPal provides industry-leading encryption and fraud prevention tools. They offer a powerful suite of online, mobile, and in-store payment solutions for their partners.

  • Gateway
  • Invoicing
  • Mobile processing
  • Recurring billing
  • Virtual (web) terminal

They continue to innovate in payments, most recently offering a one-touch payment feature that was initially introduced for mobile but is now available for websites as well.

Ease of Integration

PayPal services are extremely easy to set up and able to integrate with just about any shopping cart, accounting application, or shipping software. Their API is well-documented, customizable, and fast – with little to no downtime. PayPal’s API offers your developers powerful payment functionalities like invoice management, transaction processing, and account management.

Support

CUSTOMER SUPPORT
PayPal offers an extensive self-help section, complete with a community forum, as well as support via email and phone (although there are several reports of long wait times).

DEVELOPER SUPPORT
PayPal offers extensive developer resources, including integration planning, guides, community forums, and resources as well as ongoing support from a dedicated service team.

MARKETING SUPPORT
PayPal’s partner portal gives their partners access to logos, customizable templates, best practice guides, sales training, and more. They also give their partners a standard listing in the PayPal partner directory. PayPal provides promotional opportunities with marketing tools and resources to help your business maximize revenue and grow.

Square

https://squareup.com/ca

Square was founded in 2009 and is based out of San Francisco, California. Square was the first to introduce mobile payments to the U.S. market. They offer several add-ons (customer management, appointments, and more) as well as integrations (QuickBooks, Xero, etc.).
Quick glance
Pricing structure: Flat rate
Sandbox account: Yes
Revenue share: Yes
Dedicated merchant account: No

Strength of Product

Square is known for providing small businesses with simple, secure solutions for online and in-store payments and an easy-to-use interface. They offer a simple iPad application that includes an advanced inventory management system, a sleek online store that syncs with your in-app inventory, as well as an NFC/EMV-enabled chip reader.

  • Gateway
  • Invoicing
  • Mobile processing
  • Tablet POS
  • Virtual (web) terminal

Ease of Integration

Square’s API focuses on and excels at mobile POS payments. Compared to their competitors, their API for eCommerce is not as robust. Much like their products, Square’s integration process is quick and simple, allowing your developers to customize a seamless payment solution right into your software. Their API allows your developers to integrate Square’s billing system and subscription APIs. They also sync easily with any existing partner software.

Support

CUSTOMER SUPPORT
Square has a vast self-service knowledge base with a number of educational articles and an FAQ section. They are extremely active on Twitter, with a dedicated account for support issues. Square is also reachable by email and phone (the latter is limited to merchants with a customer code to call in).

DEVELOPER SUPPORT
Square offers several guides, code samples, client libraries, troubleshooting errors, and FAQs.

MARKETING SUPPORT
Square allows you to track sign-ups online, however, they do not offer any specific co-marketing materials.

Stripe

https://stripe.com/ca

Stripe was founded in 2011 and is based out of San Francisco, California. They focus on eCommerce, making it easy for companies to do business online. Stripe’s feature list is extensive and continues to grow. While their tools are extremely easy to work with, it’s unlikely that you’ll need everything they offer.
Quick glance
Pricing structure: Flat rate
Sandbox account: Yes
Revenue share: No
Dedicated merchant account: No

Strength of Product

Stripe makes it simple to take payments online and within mobile apps, store cards, enable subscriptions, and direct payments to a bank account. They are PCI-DSS-certified at the highest level of PCI compliance (Level 1). Mobile app developers can use Stripe’s functionality and retain full control over the UI. This full-stack payment platform lets merchants accept instant payments in 139 currencies. They offer Connect (payment integration), Relay (buy button), and Checkout (hosted payment page).

  • Gateway
  • Mobile processing
  • Recurring billing

Ease of Integration

Stripe is one of the simplest solutions for payments on the market and gives your developers control over a lot of the payment process. Stripe offers a feature-rich API that covers a wide range of functionalities including charging credit cards, recurring billing, sending transfers, and more. They’re ideal for advanced developers who require a highly customizable API. Integration with the Stripe payment platform is quick and easy to deploy with a variety of programming languages (Curl, Ruby, Python, PHP, Java, Node, etc.). Stripe improves their features frequently, updates their documentation regularly, and keeps their API lean with only essential data, enabling experienced developers to build quickly and efficiently.

Support

CUSTOMER SUPPORT
Stripe has no phone support but they offer a comprehensive self-serve support center as well as support via email. Customers can also get updates on the status of Stripe service at Status.stripe.com.

DEVELOPER SUPPORT
For your developers, they provide well-documented resources, guides, and references on how to integrate with their API.

MARKETING SUPPORT
Stripe does not provide marketing support.

Vantiv

https://www.vantiv.com

Vantiv was founded in 1970 and is based out of Cincinnati, Ohio. They are one of the larger payment processors and cater to a wide range of businesses from start-ups to large enterprises. Vantiv offers their partners one of the most competitive revenue share programs in the industry.
Quick glance
Pricing structure: MDR
Sandbox account: Yes
Revenue share: Yes
Dedicated merchant account: Yes

Strength of Product

With its many years in the industry, Vantiv has acquired countless companies to help it expand their payment offerings, and as a result, they offer a comprehensive set of secure payment tools that fit any merchant’s needs. Among the payment companies that Vantiv has acquired are National Processing Company, Jeanie (ATM network), SKIPJACK (payment gateway), Element Payments, Mercury Payments, and most recently, Moneris USA.

  • Gateway
  • Mobile processing
  • Recurring billing
  • Traditional terminals
  • Virtual (web) terminal

Ease of Integration

Vantiv’s API is easy to integrate with, language and platform agnostic, and extremely flexible. Their test accounts give you full access to their interface specifications and certification process. Some of Vantiv’s API features include advanced AVS, custom billing descriptor, batch and online processing, recurring payments, Apple Pay, Android Pay, and more. Their API is designed for streamlined integration, and they provide comprehensive integration resources.

Support

CUSTOMER SUPPORT
Vantiv offers 24/7 service, support, and technical assistance for their customers, and they’re also available via live chat.

DEVELOPER SUPPORT
Vantiv offers thorough resources on how to work with their API through SDKs, documentation, sample code, and on-demand support. There’s also a member community where you can post questions and participate in discussions.

MARKETING SUPPORT
They offer sales enablement services that include sales and marketing materials, joint marketing material, lead generation assistance, and promotion. Vantiv also provides dedicated support for their partners.



Addendum: Flat rate vs. MDR pricing

With flat rates, no matter the type of card, the transaction rate is always a flat percentage – which is set at a higher average rate to protect the payment provider from losses. Because the flat rate assessed is typically set at a rate well above the cost of premium cards, the downside of this pricing structure is the cost. Typically, if a merchant is processing more than $40k, they likely won’t get to enjoy the lower rates associated with the majority of cards accepted.

MDR (merchant discount rate) affords the payment processor the ability to customize pricing based on each individual business. The payment structure used may differ from interchange plus to bill back but typically, merchants will get a competitive payment structure that best fits their business needs and processing volume.

For more information on payment processing pricing, download our eBook Pricing Demystified for a thorough overview of what merchants pay to get paid.

For more information visit us at payfirma.com