Statement review · Ontario businesses
What are you actually paying to accept cards?
Send us last month's processing statement. We will read it line by line, show you what you are being charged and where, and tell you what it would look like with us. You keep the analysis either way.
One business day. No obligation, and nothing to sign to find out.
| InterchangeSet by Visa and Mastercard. Passed straight through by everyone, including us. | $1,842.10 |
| Processor markup and assessmentsThe part that is actually negotiable. | $714.55 |
| Statement and service feesMonthly account, PCI program, batch and reporting charges. | $189.00 |
| EquipmentTerminal rental, 3 units. | $117.00 |
| Total paid, August | $2,862.65 |
| Projected with MSGEstimate for discussion, not a binding quote. | $2,388.40 |
| What that savesApproximately $5,691 over twelve months. | $474.25per month |
How it works
Three steps, and you can stop after any of them.
STEP 01
You send the statement
Last month's is enough. A PDF from your processor's portal, or a photo of the paper copy if that is what you have.
STEP 02
We read it properly
Within two business days you get a written breakdown: what each line is, which fees are fixed, which are the processor's own margin, and anything that has quietly gone up.
STEP 03
One of us walks you through it
Fifteen minutes with a named person from our team. If switching does not make sense for you, we will say so. The analysis is yours regardless.
Start here
Send us your last statement
One recent merchant statement is all we need. We read it line by line, work out what you are actually paying, and show you what the same volume would cost with us.
- No cost and no obligation. The numbers are yours whether or not you switch.
- A specialist, not a call centre. The person who reviews your statement is the person who stays with you.
- Back to you within one business day. Often the same afternoon.
Your statement stays with us. We never sell or share your information.
Who you will be talking to
A named person, not a queue position.
You book directly with one of us. That person reads your statement, takes your call, and stays your contact afterwards.
TO ADD
Gabriel Mattacchione
President
TO ADD
Gianluca Pinchera
VP Sales
What Ontario operators say
Ask them, not us.
“Merchant Solutions Group are professional, efficient, and most importantly HONEST. They have delivered exactly what they had promised, if not, more!”Lindsay SilvestriDLS Electric
“The transparency, and honesty that Merchant Solutions Group presented were very comforting and knowledgeable. Within days of registering and receiving our device, MSG were here to help set it up and explain how it works.”LauraEU Autowerks
“Their customer service is outstanding, always ready to assist. The affordability has allowed us to invest more in other areas of our business without compromising on quality or functionality.”Emily MattacchioneNovo Healthnet
Why us
Boutique, Ontario, and in it for the long haul.
Cost-plus pricing
Interchange is passed through at cost and our margin sits on top of it, visible and separate. You can see what you are paying us for, which is the whole point.
Buy rates from two processors
Our agreements with Moneris and Elavon mean we can price against both and put you on whichever fits your business. Most merchants save 30 to 50 percent on processing markup.
Three-year term, no cancellation fee
The paperwork says three years. In practice it runs month to month, because there is no penalty to leave. If a fee ever turns up that we did not tell you about, you can walk.
Fully PCI compliant, chargebacks made simple
We keep your account PCI compliant and handle the certification paperwork for you. Chargebacks you respond to yourself, through a portal built to make that straightforward rather than a paperwork exercise. And when one is worth a second opinion, you call us and we work through it with you.
Before you ask
The questions everyone asks first.
What does the analysis cost me?
Nothing, and there is nothing to sign to get it. We do this because over 80% of the statements we read have something on them the owner did not know about, and that conversation tends to go somewhere. If yours does not, you have still got a clear picture of your own bill.
Am I locked in if I switch?
The agreement is written for three years, with no cancellation fee at any point. That is deliberate. A processor that is confident in its pricing does not need to trap anyone, and if we ever surprise you with a charge, leaving costs you nothing.
What happens to my current terminal?
Depends what you have. Some equipment can be reprogrammed, some is locked to your existing processor and gets replaced. We work through both the hardware and any remaining rental on your current agreement on the call, before you decide anything.
How long does switching actually take?
Most merchants are processing in under a week from application, and much of that is underwriting rather than anything you have to do. Your terminal is set up and explained before you go live, so there is no day where you cannot take a card.
Is my statement confidential?
Yes. It is used to build your analysis, it is not shared outside our team, and we delete it on request. If you would rather black out your business name and MID before you send it, the analysis works just as well.
I am happy with my processor. Is this worth doing?
Probably, for fifteen minutes of your time. Being happy with your processor and being priced well are separate things, and the second one is hard to check without someone reading the statement. Plenty of merchants read the analysis and stay where they are.
You focus on your business. We focus on your payments.
Find out what you are actually paying.
One statement, one business day, and a straight answer from someone who will tell you their name.
Send us your statement