GT Payments POS & card processing

Serving Canadian merchants
since day one.

The card rates big chains get, for the shop on the corner. GT Payments sets up Clover and Square POS for independent businesses — pick the system that fits how you actually sell, then get a real person on the phone when something goes wrong.

Get a Quote Now Call 416-640-0902
On-site technical support
2–4 hrs
Live support line
24/7
Setup time
Under 10 min
GT Payments logo

Authorized Square reseller
Fiserv Canada agent

Now processing for

About GT Payments

Small businesses should not pay more than big ones.

That belief is the whole reason GT Payments exists. Large chains negotiate preferential card rates because of the volume they push. Independent operators get handed whatever their bank offers and rarely see the breakdown.

We place the hardware and the processing directly — Clover or Square — with no reseller in the middle marking it up. You get the pricing, the dashboard and the support that would normally take a national footprint to access.

2–4 hrs

On-site technical support

A technician comes to your counter, not a queue. Same-day on-site response across the GTA.

24/7

Live support line

A real person answers when your terminal stops on a Saturday night. No ticket, no callback window.

Under 10 min

Setup time

Terminal out of the box and taking payments before your next customer walks in.

What comes with every account

Whichever terminal ends up on your counter, the software behind it is included — no add-on tier to unlock the basics.

  • Dashboard & reporting

    Sales, inventory and staff numbers in a browser, from anywhere. Close the day from home if you want to.

  • Virtual Terminal

    Key in a card for a phone order or a back-office invoice without any extra hardware on the desk.

  • Tap to Pay on phone

    Take contactless cards and wallets on an iPhone or Android, so there is always a backup way to get paid.

Hardware

One provider. Both major POS platforms.

Most agents sell whatever they are contracted to sell. We place both Clover and Square, so the recommendation starts with how your counter actually works — not with what is easiest for us to ship.

Clover

Full POS systems

The complete counter — payments, inventory, staff, reporting and an app market in one box. We place it, install it and service it ourselves.

The Clover hardware family — Flex, Mini, Solo, Duo, KDS and Kiosk

  • Clover Flex

    Handheld on 4G and Wi-Fi with a receipt printer built in. Takes the terminal to the table, the curb or the market stall.

  • Clover Flex Pocket

    Palm-sized reader for delivery and pay-at-the-door. Runs a full shift on one charge.

  • Clover Mini

    Compact countertop POS that runs the whole till — payments, inventory, staff and reporting.

  • Clover Station Duo

    Full counter system with a second customer-facing screen for tips, signature and loyalty sign-up.

  • Clover Kiosk

    Self-order kiosk for quick service. Shortens the queue and lifts the average order.

  • Clover Kitchen Display

    Orders land in the kitchen the moment they are rung in. No paper tickets, no missed modifiers.

Square

Simple, app-first POS

For merchants who want the lightest possible setup, or who already run Square and would rather have the placement, the install and the support handled locally.

The Square hardware range — Register, Terminal, Reader and Stand

  • Square Terminal

    All-in-one handheld with a receipt printer on board. A strong first terminal for a small counter.

  • Square Reader

    Pocket contactless and chip reader that pairs with the phone or tablet you already own.

  • Square Stand

    Turns an iPad into a countertop till, with a swivel so the customer can tip and sign.

  • Square Register

    Two-screen countertop system that needs no tablet of its own.

Not sure which fits? Tell us what you sell and how you sell it — we will name the terminal we would actually put on your counter.

Get a Quote Now

Pricing

Three rate structures. Pick the one your sales fit.

These are the published rates, in full — and none of the three carries a monthly fee, so you only ever pay per transaction. The difference between them is not quality of service; it is who absorbs the cost of a credit card and how predictable you want your monthly statement to be.

Fixed

One flat rate on every sale

Credit card
2.50% per transaction
Debit card
0.70% + $0.07 per transaction

Best for cafés, salons and shops getting off a bank terminal.

  • Tap to Pay on iPhone and Android
  • One predictable rate on every sale
  • Built for small to mid-size businesses
  • No long-term contract required
Get a Quote Now

Most transparent

Variable

Interchange-plus

Credit card
Interchange + Assessment + 0.20%
Debit card
$0.05 per transaction

Best for growing or high-volume merchants who want the raw cost broken out.

  • Full interchange-plus pricing transparency
  • Real-time reporting through your POS dashboard
  • Terminal included with the plan
  • Hardware upgrades available at any time
Get a Quote Now

Surcharge

Credit cost passed to the cardholder

Credit card
2.40% — surcharged to the customer where permitted
Debit card
$0.05 per transaction

Best for businesses that want card fees off their own books entirely.

  • Built-in surcharge program to offset processing costs
  • Compliant disclosure handled at the terminal
  • Terminal included with the plan
  • Debit stays on a straightforward per-transaction cost
Get a Quote Now

Run your own numbers

What would a month actually cost you?

Move the sliders to match a normal month at your business. The estimate updates as you go — no form, no email required.

Interchange and the network assessment are set by the card networks and vary by card type. They only affect the Variable plan.

Estimated monthly cost

  • Fixed —
  • Variable —
  • Surcharge —
Get a Quote Now

How a quote works

An estimate is not a quote.

The calculator works off published rates and your own assumptions. A real quote reads your actual statement. Prefer to talk it through? Call 416-640-0902.

  1. 01

    Send us a recent statement

    One month from your current provider is enough. If you have never taken cards before, roughly what you expect to process will do.

  2. 02

    We read your actual card mix

    Debit against credit, average sale, card types, monthly volume. The mix is what moves the number — far more than the headline rate does.

  3. 03

    You get one page back

    The structure we would put you on, what it costs, and what we think you save. No obligation, and usually inside one business day.

Rates shown are standard published pricing and may vary with business type, card mix and processing history. Estimates produced by the calculator are estimates, not a quote or an offer of credit.

Reviews

The people already on our terminals.

Every quote below is left by a merchant we look after — collected from Trustpilot, published as written and never edited for tone.

Read every review

  • One of the best pos system out there they give me a best rate Dexter help me with everything go check them out would recommend them for pos

  • The guys at GT Payments are the best! They hooked me up with Clover and I couldn’t be happier about my experience

  • Always there when I need help with my payment processing, very quick reliable and consistently on standby whenever I have questions or need support. The team is extremely professional, easy to work with, and genuinely cares about making sure everything runs smoothly for my business.

    Highly recommend if you’re looking for a payment processing solution like Clover or Elavon. I’ve personally referred a lot of clients to them because they are one of the best companies to do business with.

  • amazing customer service and great help overall, they assisted me in cancelling my provider and gave me cheap rates as well as trained me to use to my clover machine.

    overall, Great company to work with!

  • Dexter was amazing to deal with. #1 person to do business with. He drove over 2 hours to Western Ontario in order to help us setup our system and do his services. He’s also willing to go past 10pm at night. I cannot recommend him enough. Thank you so much Dexter!!!

  • I personally know Jade and Dex and these guys are on point. You can’t tell the difference between daytime and nightime because these guys will pick up your call any time you need their assistance. The relationships they build with their clientele is unmatched.

  • Great service if you need them call them they are here asap. Best rate in the market. Dexter and Jade did a good job. Best customer service would recommend them! If you are looking a pos system

  • Excellent. Great service Dexter of Clover guided me to provide tailored services for my business. Well done.

  • It’s always a pleasure doing business GT Payments. They are very friendly, reliable, patient and professional. They installed our machine, and dealt with switching our past provider seamlessly. I would highly recommend going with their surcharge program as it is saving us hundreds of dollars monthly.

Want your business on this wall? It starts with a straight answer on price.

Get a Quote Now

Get a quote

Tell us what you sell. We will tell you what it costs.

No obligation and no long form. If you send a recent statement from your current provider, we can usually tell you within a day whether we can beat it.