Built for Canadian Business Owners

Canada's Only
All-in-One Payments,
POS & Marketing.

Grandco is a Canadian merchant account, POS terminal, and full marketing CRM bundled into one monthly subscription — powered by Elavon interchange-plus pricing, with surcharging that can make your entire net cost $0.

Book a Free Demo → ▶ Watch the 3-min Overview
JD
SR
MK
TL
★★★★★
Trusted by Canadian merchants coast to coast
Grandco Merchant Dashboard — October 2026
Processing Volume
$84,320
Net Surcharge Benefit
$192
Net Platform Cost $0 / mo
SMS Campaign Open Rate 94%
Active CRM Contacts 2,847
Google Reviews (30 days) +27 ⭐
New Reviews Today
+7 ⭐⭐⭐⭐⭐
Auto-requested after checkout
Surcharge Surplus
$0 net
Platform + processing at $47.5K volume
✓ No Cancellation Penalties — Ever
🇨🇦 Canadian Data Residency — Always
⚡ Surcharging Enabled on Every Account
💳 Next Business Day Funding
✓ Bilingual Support — EN & FR
🚀 Full CRM Marketing Suite
✓ Live in Under 1 Week
✓ No Cancellation Penalties — Ever
🇨🇦 Canadian Data Residency — Always
⚡ Surcharging Enabled on Every Account
💳 Next Business Day Funding
✓ Bilingual Support — EN & FR
🚀 Full CRM Marketing Suite
✓ Live in Under 1 Week
The Problem

You're Paying More
for Less Than You Think.

Most Canadian merchants are managing 4–5 separate tools that don't talk to each other — paying a premium for the complexity of juggling them all.

❌ What you're paying now
💳Square / Stripe (US company)$120+
📊Separate CRM (HubSpot / Keap)$150
💬SMS & email marketing tool$99
⭐Review management platform$79
🖥️Separate POS software$80
Monthly total $528+
✓ With Grandco Growth
💳Canadian merchant account✓ Included
📊Full CRM✓ Included
💬SMS + email marketing✓ Included
⭐Reputation management✓ Included
🖥️POS solution (hardware+software)✓ Included
⚡Credit card processing fees$0 via surcharge
After surcharge offset $0 net
💸
You're Overpaying Your Processor
Square and Stripe charge bundled "flat rate" pricing that hides your real interchange cost. With transparent interchange-plus pricing, most merchants save immediately.
avg. 0.3–0.6% hidden markup
🔌
Your Tools Don't Talk to Each Other
Your POS data isn't in your CRM. Your payment data isn't fuelling your marketing. You're doing manual work that should be automatic — and losing revenue because of it.
2–4 hrs/week manual data entry
🔒
You're Locked In With Exit Penalties
Moneris and First Data routinely charge $300–$500+ to leave. You're not a valued partner — you're a trapped revenue source. That's not how Grandco works.
avg. $400 cancellation fee
See It In Action

Watch How Grandco Works
for Real Canadian Businesses.

See a live walkthrough of the full platform — payments, POS, surcharging, and marketing — in under 3 minutes.

▶ Platform Overview
💳 Payments & Surcharging
🖥️ POS Demo
🚀 Marketing Platform
▶
Grandco Platform Overview
3:24 min · See payments, POS, and marketing in action
0:00 · Platform Intro
0:52 · Merchant Account
1:30 · POS Walkthrough
2:14 · Marketing Suite
2:55 · Surcharging Demo

Want a personalised walkthrough? Book a free 20-minute demo →

The Surcharge Advantage

Make Grandco
Cost You Nothing.

Every Grandco merchant account comes with credit card surcharging enabled from day one. When customers pay by credit card, the processing fee gets passed to them — which means your processing fees are covered by the surcharge too. At just $47,500 monthly volume with 85% card mix, you pay nothing to accept cards and nothing for the Starter plan.

💰
Zero processing fees. The surcharge covers your interchange, assessment, and authorization costs — so at sufficient volume, you accept credit cards for free.
⚡
Legal across all Canadian provinces since October 2022 following the Visa/Mastercard class action settlement. Maximum rate: 2.4%.
💳
Only applies to credit cards. Debit cards (Interac) are never surcharged — protecting your everyday customers.
🔢
Fully automatic. Grandco calculates and applies the surcharge at checkout. Your statement shows exactly what was collected and what you owe.
📋
Disclosure handled. Required customer notification is built into your checkout flow. You stay compliant without extra effort.
Get my surcharge calculation →
Surcharge Savings Calculator Interactive
Monthly Processing Volume $47,500
% of Sales Paid by Credit Card 85%
Surcharge Rate 2.4%
Surchargeable volume $40,375
Monthly surcharge collected $969
Processing fees (Interchange + Assessment + Authorization) −$820
Net surcharge benefit $149
Grandco Starter plan cost $149/mo
Net cost to merchant $0
Processing fees are included in the calculation above.
At ~$47,500 volume with 85% card mix, your Starter plan cost and processing fees are fully covered.
The Bundle

Three Products.
One Portal. One Bill.

01
💳
Canadian Merchant Account
Transparent interchange-plus pricing — no hidden bundled rates.
✓Visa, Mastercard, Amex, Interac, Discover, UnionPay — all cards
✓Tap, chip, swipe, and online payments
✓Virtual terminal for phone & invoice billing
✓Recurring billing & subscription management
✓Credit card surcharging enabled from day one
✓PCI DSS Level 1 compliance — handled for you
✓No cancellation penalties — ever
No Cancellation Penalties
02
🖥️
POS Solution
Hardware and software that syncs live with your merchant account and CRM — zero manual data entry.
✓Tap-to-pay terminals (buy or lease)
✓Mobile POS — iOS & Android
✓Inventory management with low-stock alerts
✓Easily feed your sales data into your CRM
✓Digital receipts that capture customer info
✓Staff management & sales by employee
✓Multi-location support
Auto CRM Sync
03
🚀
Marketing Platform
Full CRM suite — SMS, email, reviews, funnels, and booking all in one login.
✓CRM with automated follow-up pipelines
✓Google review requests after every transaction
✓SMS campaigns (94% open rate avg.)
✓Email marketing with drag-and-drop builder
✓Appointment booking with no-show recovery
✓Landing page & funnel builder
✓Social media planner & scheduler
Full CRM Suite
See full feature list & product details →
Pricing

Simple Bundles.
No Surprise Fees.

One monthly price covers your merchant account, POS software, and full marketing platform. Enable surcharging and your effective cost could be $0.

Starter
Solo operators getting started with payments + CRM.
$ 149 /mo
⚡ $47,500 volume = surcharge covers plan + processing fees = $0 net
✓Merchant account
✓1 POS mobile terminal
✓Starter POS software package
✓CRM — contacts & pipeline (500 contacts)
✓Reputation management & email review requests
✓Appointment booking & reminders
✓Missed call text back
✓Email marketing (500 contacts)
✓Webchat widget (non‑AI)
✓Surcharging enabled
✓No cancellation penalties
✓No AI features that trigger usage fees
✓No SMS usage exposure
✓No AI minutes, tokens, or per‑use billing of any kind
Sign Up Now →
Most Popular
Growth
Established merchants ready to grow with automation.
$ 299 /mo
⚡ ~$95K volume = surcharge covers plan + processing fees = $0 net
✓Everything in Starter
✓Standard POS software package
✓1 POS station including cash drawer and printer
✓Full CRM — up to 5,000 contacts
✓Workflow automation
✓SMS marketing campaigns
✓Funnel & landing page builder
✓Social media planner
✓Monthly strategy session
✓Priority onboarding support
✓AI Phone Answering — 100 minutes included
✓AI Website Chat — 50,000 tokens included
✓AI Appointment Booking
✓AI FAQ Handling
✓AI Lead Capture
✓200 SMS review requests included
✓Unlimited email review requests
✓Review monitoring
Sign Up Now →
Scale
Multi-location and high-volume Canadian businesses.
$ 549 /mo
⚡ $200K+ volume makes this essentially free
✓Everything in Growth
✓Premium POS software package
✓Unlimited contacts
✓API access & custom integrations
✓Custom reporting dashboard
✓Dedicated account manager
✓Payment Gateway for Website Sales
Tokenization & API access for integrations
✓Advanced Level 3 Processing Coming Soon
✓Advanced Online Sales AI Fraud Detection Coming Soon
✓Unlimited AI Employee (unlimited calls, chats, bookings, follow‑ups, review requests — no usage limits)
✓Workflow Pro (premium triggers, actions, routing, and advanced automation logic)
✓AI conversation assistant
✓AI auto‑responses to reviews
✓Unlimited 2‑way texting (carrier compliance applies)
✓Unlimited workflow automation
✓Unlimited AI chat + AI phone usage
✓No token limits, no minute limits, no SMS caps
Sign Up Now →
✓ No cancellation penalties  ·  ✓ No hidden fees  ·  ✓ Hardware priced separately  ·  ✓ Are you an agency? See reseller rates →
👑 White Glove — $999/mo
Everything in Scale + Your Full Marketing Team
Custom website · 12 social posts/mo · 4 reels · Monthly blog & newsletter · Seasonal campaigns · Google Business Profile management · Dedicated account manager · Monthly strategy call
See White Glove →
Service limits apply. See Terms of Service §13 →
Getting Started

Live in Under a Week.

📅
Day 1
Book Your Demo
20-minute call. We walk through your business, current tools, and processing volume. You get a live surcharge calculation before we hang up.
✅
Days 1–2
Account Approved
Merchant account application submitted and typically approved within 24–48 hours. Converge integration activated. Surcharging enabled immediately.
🖥️
Days 3–5
POS Goes Live
Hardware ships or software is configured remotely. 30-minute team training included. First live transaction with Grandco support on the call.
🚀
Day 7
Marketing Live
Your Grandco account configured. Customer list imported. Review requests turned on. First automated campaign ready. You're growing from day one.
Why Grandco

Why Canadian Businesses
Choose Grandco

We built Grandco because Canadian merchants deserve better than US platforms that don't understand Canadian payments, Canadian law, or Canadian data sovereignty.

🇨🇦
Canadian Data Residency
Your merchant and customer data stays in Canada. Unlike Square, Stripe, or Shopify Payments — all US-based — Grandco maintains Canadian data residency under PIPEDA at no extra cost.
PIPEDA Compliant
🚫
No Cancellation Penalties. Ever.
Moneris, First Data, and Desjardins lock you in with 3-year contracts and $300–$500 exit fees. Grandco is month-to-month. Leave anytime with zero penalty — because we earn your business every month.
Month-to-Month
💸
Interchange-Plus — No Hidden Markup
Square and Stripe hide their margins inside "flat rate" pricing. Grandco uses transparent interchange-plus — you see exactly what Visa/Mastercard charges and exactly what our markup is. No surprises.
Full Transparency
⚡
Surcharging Built In — Not Bolted On
Most processors treat surcharging as an afterthought. Grandco enables surcharging on every account from day one — including the calculator, compliance disclosure, and customer-facing messaging.
Up to 2.4% Offset
🔗
Payments + POS + CRM — Actually Integrated
POS sales automatically trigger review requests in your CRM. Customer contact info captured at checkout flows directly into your marketing automations. This integration is Grandco's core differentiator — not a third-party workaround.
Zero Manual Sync
🎧
Bilingual Canadian Support Team
When you call or chat, you reach a Canadian team that speaks Canadian payments. English and French support, Canadian business hours, and a dedicated account manager on Growth and Scale plans.
EN & FR Support
Merchant Stories

Real Canadian Merchants. Real Results.

★★★★★
"We were paying Square 2.9% + 30¢ and had a separate HubSpot subscription. Grandco cut our effective rate in half and gave us a full CRM. The surcharge alone covers the monthly plan. I wish we'd switched years ago."
MK
Mike K.
Auto Detailing Shop · Mississauga, ON
★★★★★
"The POS-to-CRM link is the game changer for us. Every time someone checks out, they automatically get a review request. We went from 34 Google reviews to 91 in about 60 days. Our bookings are up 30%."
SL
Sarah L.
Physio & Wellness Clinic · Calgary, AB
★★★★★
"I was nervous about the surcharge — worried customers would push back. In six months, we've had maybe three complaints out of hundreds of transactions. The savings far outweigh it, and Moneris never would have let us do this."
DP
Dev P.
HVAC & Plumbing · Ottawa, ON
$0
Net platform cost at
$47,500/mo volume
+51
Avg. new Google reviews
in first 90 days
5–7
Days to go fully
live with Grandco
0
Cancellation fees
charged — ever

Built for Every Canadian Business

🍕
Restaurants
Table-side payments, digital receipts, loyalty campaigns
👗
Retail
Inventory management, multi-location, e-commerce
💆
Health & Wellness
Appointment booking, membership billing, review management
🔧
Trades & Services
Invoice payments, virtual terminal, service area CRM
🚗
Automotive
High-ticket surcharging, vehicle CRM, follow-up automation
🏥
Professional Services
Recurring billing, client portals, reputation management
Book a Demo

See It Live.
Free. 20 Minutes.

No pressure, no sales pitch — a real walkthrough built around your specific business, with a live surcharge calculation using your actual numbers.

💳
Your merchant account — we'll show transparent pricing vs. what you're paying now and calculate your exact interchange-plus rate
⚡
Your surcharge number — we'll calculate exactly how much surcharging offsets your monthly platform cost and your processing fees, based on your real volume
🖥️
Your POS setup — hardware options, remote vs. in-person configuration, staff training time estimate
🚀
Your marketing platform — we'll configure a live review request for your business during the call so you can see it working
✓ No obligation
✓ No cancellation penalties
✓ Canadian support team
✓ Live in under 1 week
Book Your Free Demo
Choose a time — Canadian business hours
20 min

FAQ

Merchant Questions

Are there really no cancellation penalties?
+
Correct. Every Grandco merchant account is month-to-month with zero cancellation fees. You can cancel at any time with no exit charges, early termination fees, or equipment lease penalties (if you've purchased your hardware outright). This is a core part of how we operate — we believe your continued business should be earned, not locked in.
Is surcharging legal in Canada?
+
Yes. Following a 2022 Visa/Mastercard class action settlement, Canadian merchants can legally add a surcharge of up to 2.4% on credit card transactions. Debit card (Interac) transactions cannot be surcharged. The disclosure requirement is automatically handled in your checkout flow — you stay fully compliant without any extra effort.
How long does it take to get set up?
+
Most merchants are fully live within 5–7 business days. Merchant account approval typically takes 24–48 hours. POS hardware ships in 2–3 business days (or is configured remotely for software-only setups). Your Grandco marketing platform is configured by our team and ready within the same window, along with a 30-minute onboarding call.
What processing rates can I expect?
+
Grandco uses transparent interchange-plus pricing through Converge. You see exactly what the card networks charge and what our markup is, separately — no bundled rates that hide the real cost. Your specific rate depends on your business type, card mix, and monthly volume. We'll quote your exact rate on the demo call, and show you a side-by-side comparison with what you're currently paying.
Do I have to use all three products?
+
The bundle includes all three, and they work best together — but you're not required to actively use every feature. Some merchants start primarily using the payment processing and POS, then gradually activate more Grandco platform features as they get comfortable. You pay one bundle price and activate features at your own pace.
Will my customers be upset about surcharging?
+
In practice, very rarely. Most merchants report minimal customer friction, especially when debit card payments (which are never surcharged) are offered as an alternative. Customers are increasingly accustomed to seeing surcharges or cash discount programs. The surcharge is disclosed clearly at checkout, which is both a legal requirement and a best practice. Many merchants find that accepting credit cards at zero net cost — with processing fees fully covered — far outweighs any occasional pushback.
Is my data stored in Canada?
+
Yes. Grandco maintains Canadian data residency for merchant and customer data. This is important for Canadian businesses concerned about cross-border data transfer under PIPEDA. Unlike US-based platforms such as Square or Stripe, your business and customer data stays in Canada.
What support do I get?
+
All Grandco merchants get email and chat support during Canadian business hours, access to our onboarding team during setup, and a help centre with video tutorials. Growth plan merchants receive a monthly strategy session with a Grandco specialist. Scale plan merchants get a named dedicated account manager. Bilingual support (EN/FR) is available on all plans.
🇨🇦 Limited onboarding spots this month
Ready to Switch?

Stop Paying Fees.
Start Paying Nothing.

Book a free 20-minute demo and walk away with a live surcharge calculation using your actual numbers — and a side-by-side comparison showing exactly what you're overpaying today.

$0
Net cost possible
5–7
Days to go live
$0
Cancellation fee
20
Min demo call
Book My Free Demo — See My Savings → I'm an Agency / Reseller →
✓ No cancellation penalties
✓ Canadian-owned & operated
✓ Surcharging enabled from day one
✓ Live in under one week