I’m not familiar with Take Payments.

Take Payments has over 100,000 merchants and handles sales volumes of over 2 billion transactions per month. TPCI's unique value proposition is to provide exceptional customer service with No Hidden Fees, No Contracts, No Cancellation Fees, Free Terminals, and to be the LOWEST COST PROVIDER in Canada. We GUARANTEE to lower your rates or you will receive $5,000!

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​Take Payments is a merchant services and card issuing company serving North America and Europe. We partner with leading global financial institutions to ensure that our clients’ businesses are served by the best payment gateways and security. We have the Cheapest Debit and Credit card on the market today. Take Payments is at the cutting edge of Social Media, Text, Email and QR Code commerce which supports our merchant’s Marketing and Sales efforts on Twitter, Facebook and YouTube. Our Merchants sell 4 times more. Partnering with an excellent selection of international banks, we provide efficient, cost-effective, client-centered solutions to meet businesses’ point-of-sale and card issuance needs. With over 20 years’ experience operating internationally, we provide bespoke merchant services solutions and products.

I’m already in a contract and/or I have an Early Termination Fee.

Most of the merchants that we deal with already are in a contract as well and we can offset your Early Termination Fee with monthly savings!

Once we analyze your current bill and calculate the monthly savings, we can advise you on the break-even point for switching, net of any cancellation fees you may incur. Obviously, if the savings are sufficient to justify the cancellation fees, smart business owners will seize the opportunity to lower their overall costs of doing business.

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November 2016 ANNOUNCEMENT: Whenever the banks change the terms of the agreement, such us the underlying interchange rates, your contract automatically becomes open-ended which allows you to switch providers with NO CANCELLATION FEE! They typically provide very little in the way of obvious notice to merchants who are often too busy to catch this small detail, never mind that fact that their term contracts have now become open-ended!

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The good news for merchants in 2017 is that the card issuers announced a change in the underlying interchange fees effective for April 1, 2017. Since they changed the terms of your contract unilaterally, ALL merchants are now free to move providers without a cancellation fee. Of course, they hope merchants don't know this valuable tip and may even offer to perform a rate review, revise your fee structure, and then lock you into another term before you get wise to the trick. The Industry Code of Code of Conduct - Get Out of Contract Rules is available here. 

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We GUARANTEE to offer you better terms, rates, & opportunity for month-to-month savings, all with NO CONTRACTS and NO HIDDEN FEES.

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Now that is a tip you can take to the bank!

What are your Rates?

Since every merchant's situation is different, we don’t offer flat rate pricing, or the same pricing for every merchant. And neither does the entire industry, despite their initial advertisement that may say that they do. Rather, they offer you a "best case scenario) rate which usually doesn't apply to the majority of you transactions. We take your unique attributes and consider them when proposing our pricing to you. Our rates depend on a variety of things, but we do offer a meet or beat program, so if you share your recent statements, we can run a fair comparison and show you the breakdown on how you are currently being charged. Although this may sound like obfuscation, the reality is that every processor has essentially the same challenge in answering this question. Many will be dishonest and quote a flat rate, but once you get their proposal and read the fine print, you will discover that the devil is in the details. All processors need to recoup their costs and make a profit margin, and they do this by hiding behind cryptic codes and conditional fees. We are transparent and educational in our approach with you. That is why we offer no-term contracts, and no hidden fees. Wouldn't you rather do business with a company that is this transparent?

I already have a good rate with my current provider.

That's great, but could it be even better? Let us see if we can help identify any areas of opportunity where you could possibly save money with your current provider. We offer a NO OBLIGATION customized statement analysis that most merchants find very revealing.

• When was the last time you were offered a rate review by your current processor?

• When is the last time they called you to lower your rates with them?

• Why does it take a prompt from a third party to suggest this idea to you? 

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Often times merchants don't realize the real impact of the hidden fees contained within their statement that dramatically increase the effective rate they are being charged. Most merchants hear and remember only the lowest best-case rate applicable to certain "qualified" transactions. This is the attention grabber that gets you to sign on. As with most marketing these days, the devil is in the details.

All processors add additional mark-ups and other fees to "non-qualified" transactions which represent the majority of most merchant's monthly transaction volume. Then they tack on monthly, quarterly, and annual statement fees, machine rental fees, batch-out fees, non-qualified transaction fees, wireless mobile data charges, e-commerce mark-ups, and a myriad of other fees that are hidden in the fine print. In our very transparent proposal, which includes all fees and hidden charges assessed by your current provider, we disclose to you the Effective Discount Rate you are being charged and how we can help lower those fees by 25-75%, in most cases. Our quotes will help educate you on these hidden charges and allow you to make better decisions regarding your choice of service provider.

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We GUARANTEE to Meet or Beat your current rates or

Take Payments Canada Inc. will send you $5,000. 

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Q: What do you have to lose by requesting a quote? Nothing but a few minutes of your time to send us your most recent statement for analysis. We'll take it from there and show you how to save money, whether you choose to switch to Take Payments or remain where you are. Either way, you will be better educated on how to better manage your service fees. Now that is just smart business.

I don’t want a change in my deposits.

There is no need to change your current banking relationship. We EFT your funds directly into your account just as you would expect. You simply provide a void cheque and TPCI sends you the money.

I don’t want any disruption.

If you decide to switch, the process is incredibly Fast & Easy. Set-up can be done in-person by your rep with no interruption, or by self-service at your convenience. Terminals come shipped pre-programmed and ready to go right out of the box. Simply plug it in, call the activation number, and you are up and running in minutes. It's as simple as activating a new credit card. 

I don’t have time for this right now.

Successful business owners are never too busy to find ways to improve their bottom line. A penny saved is a penny earned. If we saved you $1000 in fees at you gross profit margin of 15%, that is equivalent to selling an additional $6700 in revenue in your business. All we need today is a statement and an email address to return your NO Obligation quote. If you like what you see, you can start saving money today! 

I don’t want to buy a new terminal.

No need. We offer free state-of-the-art, EMV ready terminals. We save merchants an average of 25% on their machine rental costs with no need to buy a new machine. You always have the latest in hardware with Take Payments. See the slideshow at the top of this page for more details about the terminal models we provide. 

I currently process with a friend or family member.

We are experts in this industry; this is our area of expertise. We are a full service partner with a National processor with local representation. We employ security measures such as PCI compliance to ensure full encryption and tokenization of transaction data. No credit card data is stored locally which could put you and your customers at risk! Many merchants who utilize smaller operators often fail compliance tests, putting their customers and their businesses at risks of data breaches and liability issues.Why take the chance with their data? One data breach could destroy your reputation, no matter the size of your business.

I have a gift card provider.

We also offer a gift card solution & may be able to convert your existing card stock to our new provider. We have some of the lowest fees in the gift card industry. 

I use a POS / VAR / Software Solution

We can work with most solutions with minimal interruption to your business! Coming soon, we will be able to integrate with Inuit and Quickbooks. Ask your rep for availability dates of this service.