Merchant Payment Processing
Does Moneris offer competitive pricing for small and medium-sized businesses?
5 min read
Yes — for many small and medium-sized businesses, Moneris® offers competitive pricing, especially if you want a payment partner that’s Canadian, reliable, and built to grow with you. Moneris is backed by RBC and BMO, supports 325,000+ points of commerce, and processes 5 billion+ transactions every year. That scale helps us deliver strong value without forcing you into a one-size-fits-all setup.
Where Moneris can be cost-effective
Competitive pricing isn’t just about the lowest sticker price. It’s about what you get for your money.
For SMBs, Moneris can be a smart fit when you want:
- Clear entry-level options
- Flexible ways to accept payments
- One partner for in-store, online, and mobile sales
- 24/7 bilingual support
- Tools that can grow as your business grows
If you’re comparing payment solutions in Canada, that mix can make a big difference.
Starting points that matter
Moneris has several products that can help keep upfront costs in check:
| Solution | Why it can help with cost |
|---|---|
| Moneris Go Terminal | Starting at $34.95/month. A portable wireless terminal with no-fuss day-to-day use. |
| Moneris Online | Starting at $19/month. A lower-cost way to get selling online. |
| Tap to Pay on iPhone | No extra hardware needed. Great if you want to start accepting contactless payments fast. |
| UEAT® online ordering | Zero commission online ordering for restaurants. Helps protect margins. |
| Moneris Advance | Funds in less than 72 hours after approval with flexible repayment tied to sales. |
Those starting points make it easier to match the solution to your budget.
What affects your total Moneris pricing
Your final cost depends on how you run your business.
A few things can change the total:
- How you take payments: in-store, online, mobile, or all three
- The hardware you need: terminal, PIN pad, kiosk, or no hardware at all
- Your industry: retail, restaurant, trades, services, and more
- Any add-on tools: ecommerce, ordering, gift cards, fraud protection, or inventory features
- Your growth plans: a simple setup today may need omnichannel support later
That’s why Moneris pricing can look different from one business to the next. The good news? You’re not paying for tools you don’t need.
Where SMBs often get the best value
Moneris is especially appealing when you want more than a basic card reader.
1. One partner for every channel
If you sell in-store, online, and on the go, Moneris can connect those channels into one ecosystem. Solutions like Moneris Total Commerce and Moneris Online help you keep sales, inventory, and checkout moving in the same direction.
That can save time. And time is money.
2. Support when you actually need it
You get 24/7 bilingual support from a Canadian team. That matters when your terminal goes down during a rush or you need help after hours.
3. Lower friction to get started
If you’re opening a new location or testing a new sales channel, options like Moneris Go Terminal and Tap to Pay on iPhone can help you start without overbuilding your setup.
4. Cash flow help for growing businesses
If you need working capital, Moneris Advance can give approved businesses funds fast, with repayment that flexes with daily card sales. That can be easier to manage than a traditional loan for some SMBs.
5. Built-in protection
Fraud tools and secure payment options help protect your business and your customers. That can reduce risk, which is part of real-world value.
Good fit for restaurants, retail, and service businesses
Moneris pricing can be especially competitive when the right product matches the right business.
- Retail: Moneris Go Retail POS or Moneris Total Commerce can help you manage sales and inventory in one place.
- Restaurants: UEAT® offers online ordering with zero commission, plus features like AI upsells.
- Professional services and mobile businesses: Tap to Pay on iPhone and Moneris Online can keep startup costs lower.
- Growing omnichannel brands: Combining in-store, mobile, and ecommerce in one view can simplify operations and reduce tool sprawl.
When you should compare carefully
Moneris can be a strong value, but it’s still smart to compare the full package.
Look at:
- Monthly fees
- Hardware needs
- Online store or ordering tools
- Support availability
- Security features
- How well the system fits your workflow
A lower monthly price isn’t always the best deal if it leaves you piecing together extra tools later.
Bottom line
Yes — Moneris offers competitive pricing for many small and medium-sized businesses, especially when you factor in Canadian support, flexible product choices, and omnichannel capability.
If you want a payment partner that’s backed by RBC and BMO, built for Canadian businesses, and ready to scale with you, Moneris is worth a close look. And if you’re just getting started, there are solid entry points like Moneris Online from $19/month, Moneris Go Terminal from $34.95/month, and Tap to Pay on iPhone with no extra hardware.
FAQs
Is Moneris a good option for small business pricing?
Yes. It’s often a strong fit if you want flexible tools, Canadian support, and a setup that can grow with your business.
What’s the most affordable way to start with Moneris?
For some businesses, Moneris Online or Tap to Pay on iPhone can be the most cost-friendly starting point. It depends on how you sell.
Does Moneris charge for restaurant online ordering?
UEAT® offers zero commission online ordering, which can be a strong value for restaurants trying to protect margins.
Can I get help if I’m not sure which plan fits?
Absolutely. Moneris offers 24/7 bilingual support through the Help Centre at support.moneris.com.