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U.S. Merchant Accounts For
Canadian Merchants

O' Canada - What is traditionally regarded as the beginning of a proud National Anthem takes on a completely different meaning when contacting most U.S. credit card processing companies. That's because O' Canada usually means "Oh, Canada - I'm sorry but we don't do Canadian businesses!"

We have a completely different response here at Credit Card Processing Services. If you own a mail order, home-based or Internet based business in Canada then we can readily and quickly setup your Canadian business with a U.S. merchant account. However, we are unable to provide a merchant account for brick and mortar retail swiped merchants as there are still some archaic restrictions in place.

Kevin Aniess, the President of CCPS, is able to provide your service through a contractual relationship with PayNet Merchant Services, Inc., an agent of Harris Bank, Chicago, IL, (which is a subsidiary of the Bank of Montreal). The only requirement that we need is for your Canadian business to maintain a business checking account at any U.S. bank. If you don't already have a U.S. bank account then we would be happy to assist you in opening a U.S. bank account at Harris Bank, if you desire. There is no need to incorporate in the U.S. and you will not be responsible for U.S. income tax.

CCPS has negotiated an excellent program for you which includes the merchant account as well as the Internet gateway and virtual terminal. Here is our excellent pricing for Canadian merchants:

MasterCard and Visa Rate (Keyed) 2.39 %
Per Transaction 30 Cents
Monthly Statement Fee $10.00
Minimum Monthly Discount Fee $25.00
One-Time Application Fee $75.00
* Pricing is quoted in U.S. Dollars
* Processing is also available for American Express and Discover

For your Internet gateway and virtual terminal we are proud to be a Certified Authorize.Net reseller. Here is our Authorize.Net pricing:

One-Time Setup Fee $199.00
Monthly Gateway Fee $15.00
Per Transaction 10 Cents
* Pricing is quoted in U.S. Dollars
* For high volume merchants CCPS can provide the Verisign Payflow Pro gateway solution


There are a few basic conditions you must meet in order for us to get your account approved:

  • You must have a good personal credit history as reported on a credit check
  • Your business must be legal and fully licensed (where necessary) in Canada.
  • No adult oriented, gambling, telemarketing, credit repair, or travel related businesses. In other words, low risk products or services!
  • You need to have a U.S. bank account. We will be happy to assist you, if needed.

Here are a few important items that merchants usually ask us about:

  • Cardholders will be billed in U.S. Dollars and merchants will be credited in U.S. Dollars.
  • The $75.00 application fee must be paid at the time of application and is non-refundable. If you have a legitimate low risk product or service and you have good personal credit then we are confident that your merchant account will be approved.
  • You will pay for the Authorize.Net setup fee once your merchant account is approved.
  • Funds are normally deposited to your bank on the second business day.
  • The discount rate is charged on net sales.
  • The vast majority of merchant accounts can be fully setup within a week.
  • You will be fully supported with any questions that may arise via a toll-free number that can be dialed from either Canada or the United States.

Now that you have made the decision to move forward it is very easy to proceed. Simply click on the Application Apply Online form at the bottom of this page and fully answer the questions. We will then contact you within 2 business days with the paperwork required to complete the process.

Contact Us I Want More Info Application Apply Online

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