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Grandco Insights

Payment know-how
for Canadian business.

Practical guides on surcharging, processing fees, POS setup, CASL compliance, and building recurring income as a Grandco reseller partner.

$0 $300 $600 $900 $10K/mo $20K/mo $35K/mo $50K/mo Monthly processing cost Cost recovered via 2.4% surcharge $1,200 RECOVERED/MO at $50K volume = $14,400 saved/year
📍 Merchant Guide
Credit Card Surcharging in Canada: The Complete 2026 Guide for Small Business Owners
Grandco Editorial·March 1, 2026·12 min read
Merchant
Credit Card Surcharging in Canada: The Complete 2026 Guide →
Mar 1, 202612 min
Reseller
How to Build $10K/Month Recurring Revenue as a Grandco Partner →
Mar 1, 202610 min
Guide
Interchange-Plus Pricing Explained: Why Transparent Fees Always Win →
Feb 20, 20267 min
Merchant
The Canadian Merchant's Guide to Preventing and Fighting Chargebacks →
Feb 8, 20269 min
Reseller
Your First 90 Days: Onboard 12 Merchants and Build Recurring Income Fast →
Jan 28, 20268 min
8 articles
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2.4% SURCHARGE Processing cost → Recovered from cardholder ✓
Merchant
Credit Card Surcharging in Canada: The Complete 2026 Guide
The 2022 settlement, max rates, disclosure rules, Quebec exceptions, and full compliance checklist for Canadian SMBs.
GC
Grandco Editorial · Mar 1
Read →
Silver $2–4K/mo Gold $4–8K/mo Platinum $10K+/mo ↗ $10K/mo achievable SaaS margin + BPS residuals
Reseller
How to Build $10K/Month Recurring Revenue as a Grandco Partner
Real math, real milestones. From your first merchant to Platinum tier — the exact roadmap to serious passive income.
GC
Grandco Editorial · Mar 1
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Interchange 1.60% → goes to issuing bank +0.25% Grandco markup (visible) +fees Card scheme assessment Flat 2.65% — hidden margin buried inside ↑
Guide
Interchange-Plus Pricing Explained: Why Transparent Fees Always Win
Most processors hide their margin in a flat rate. Here's how to read your statement and understand exactly what you're paying.
GC
Grandco Editorial · Feb 20
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$84.50 + $2.03 surcharge ✓ EMV chip & PIN ✓ Contactless NFC ✓ Auto-surcharge ✓ Next-day settle ✓ Cloud reporting
Merchant
How to Choose a POS System for Your Canadian Small Business in 2026
Hardware vs software, cloud vs on-premise, integrated vs third-party processing — the complete comparison for Canadian SMBs.
GC
Grandco Editorial · Feb 14
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⚠ >1% Danger zone VMAS monitoring 0.1% Healthy rate Target Keep ratio below 1% to avoid Card Scheme monitoring
Merchant
The Canadian Merchant's Complete Guide to Preventing and Fighting Chargebacks
What triggers chargebacks, how to fight with documentation, and the ratio that triggers Visa and Mastercard monitoring.
GC
Grandco Editorial · Feb 8
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D1 Approved D30 3 merchants D60 7 merchants D90 12 merchants Gold Tier 🏆 $600 $1.8K $3.6K $5.2K Monthly commission ramp ($/mo)
Reseller
Your First 90 Days: How to Onboard 12 Merchants and Build Recurring Income Fast
Week-by-week action plan for new Grandco Resellers — from first sales call to first commission and ongoing recurring income.
GC
Grandco Editorial · Jan 28
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👋 Hi Sarah! Your appt is tomorrow at 2:00 PM ✓ ⭐ Thanks! Can I leave a Google review? 🎉 Yes! Here's the link → Open rate: 98% · Reply rate: 35% · Review boost: +0.4⭐
Merchant
SMS Marketing for Local Businesses: How to Get 40% More Repeat Customers
Why texts get 98% open rates, automated appointment reminders, and review request sequences that work for Canadian SMBs.
GC
Grandco Editorial · Jan 22
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✓ Express consent on file ✓ Unsubscribe in every send ✓ Sender clearly identified ! Retain consent records 3 yrs LCAP Compliant ✓ $10M max fine/violation
Guide
CASL Compliance for Canadian Businesses: What You Need to Know in 2026
Canada's anti-spam law carries fines up to $10M per violation. What express consent means and how Grandco keeps you compliant.
GC
Grandco Editorial · Jan 15
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Credit card surchargingPricing interchange plusPOS systems CanadaChargeback preventionSMS marketingCRM for small businessCASL complianceReseller incomeBPS residualsPayment processingPCI DSSElavon / ConvergeGrandco CRMWhite-label paymentsMerchant account Canada