Credit Card Processing & POS Systems for Toronto Businesses
Greater Toronto Area installation across Toronto, Mississauga, Brampton, Markham, and Vaughan. $0 upfront hardware for qualifying merchants. CAD/USD dual-currency settlement and Interac-native Clover, Skytab, and Talech terminals.
Canada's largest financial market deserves enterprise-grade payments.
Toronto is the financial capital of Canada — Bay Street is home to the Big Five banks, the Toronto Stock Exchange, and a tech corridor running from MaRS Discovery District to Liberty Village. Merchant Solutions Corp partners with Canadian acquirers to install Clover POS, Skytab, and Talech terminals across the GTA, configured for Interac, Visa/Mastercard/AmEx, tap-to-pay, and CAD/USD dual-currency settlement for the city's heavy cross-border merchant volume.
Toronto is also Canada's most diverse retail market — more than 200 ethnicities and 160 languages spoken in the GTA. Our deployments support multilingual receipts, bilingual customer-facing displays, and ethnic-corridor retail patterns from Spadina Chinatown to Gerrard India Bazaar to Greektown on the Danforth. We pre-configure for Ontario's harmonized 13% HST (no separate GST/PST), Interac as the dominant debit rail, and the post-October-2022 surcharging framework for fee-conscious independents.
Toronto merchants run the full stack — Clover Station Duo for King West and Yorkville restaurants, Clover Flex for tableside service in Little Italy and Distillery District, EFT processing (Canadian ACH equivalent) for Bay Street B2B invoicing, and CAD/USD merchant accounts for cross-border e-commerce sellers shipping to U.S. customers from Mississauga warehouses.
Toronto Industries We Serve
Deep playbooks for the verticals that drive Toronto's economy.
Financial & B2B Services
Bay Street financial services, Liberty Village SaaS, and MaRS biotech — CAD/USD merchant accounts, EFT B2B, and high-ticket compliance underwriting.
Restaurants & Bars
King West gastropubs, Ossington Avenue indie restaurants, and Yorkville fine dining — Clover Station Duo, Interac tap, and Toronto tip-pooling rules.
Retail & Ethnic Corridors
Spadina Chinatown, Gerrard India Bazaar, Greektown, Little Italy, and Yonge-Dundas — multilingual receipts and bilingual customer displays.
Hotels & Convention
Downtown convention-center hotels, boutique Distillery District inns, and Pearson Airport-area properties — PMS-integrated and concierge billing.
Logistics & Cross-Border
Mississauga and Brampton fulfillment centers, Pearson Airport-area B2B, and Niagara cross-border shippers — CAD/USD multi-currency and EFT.
E-commerce & DTC
Toronto-headquartered DTC brands (cosmetics, apparel, supplements) shipping to U.S. customers — Shopify-integrated payments and dual-currency settlement.
Toronto Neighborhoods We Install In
Same-week on-site installation, in-person staff training, and dedicated account manager — across every major business district.
Financial District & Bay Street
Bank of Montreal, RBC, TD, Scotiabank, and CIBC corporate-services merchants — high-ticket compliance and EFT B2B.
King West & Entertainment District
TIFF area gastropubs, condo-tower retail, and Ossington indie restaurants — Clover Station Duo and Interac tap.
Yorkville & Bloor-Yorkdale
Luxury retail, Mink Mile boutiques, and high-end professional services — premium service tier and CAD/USD invoicing.
Distillery District & St. Lawrence Market
Boutique restaurants, artisanal retail, and St. Lawrence Market vendors — Clover Mini and Square Stand setups.
Queen West & Ossington
Indie restaurants, cocktail bars, and design retail — Clover Flex tableside and bilingual customer displays.
Liberty Village & Parkdale
Tech offices, breweries, and condo-area retail — EFT recurring billing and CAD/USD invoicing.
Scarborough & North York
Multi-ethnic suburban retail (Bangladeshi, Sri Lankan, Caribbean, Filipino) — multilingual receipts and EBT-equivalent provincial benefit programs.
Mississauga, Brampton & Markham
Suburban GTA retail, fulfillment, and South-Asian / East-Asian dining corridors — same-week install across Peel and York regions.
POS Hardware We Install in Toronto
Choose from leading brands — installed, configured, and supported by our local team.
POS Systems
Clover POS Systems
- Inventory tracking
- Employee management
- Sales reporting
- Online ordering
- Free Clover placement program
Square POS Systems
- Easy setup and onboarding
- Integrated payments and POS
- Mobile and tablet compatibility
- Built-in invoicing and subscriptions
- Authorized Square dealer
Exatouch POS Systems
- Full-feature restaurant + retail POS
- Tableside ordering with handhelds
- Built-in loyalty + gift cards
- Cloud reporting & inventory
- 24/7 US-based support
Skytab Restaurant POS
- Cloud restaurant POS
- Tableside handhelds
- Online ordering integration
- Real-time labor + sales reporting
- Free placement program
Talech POS
- Cloud iPad-native POS
- Inventory + reporting
- Online ordering ready
- Multi-location dashboard
- Canadian merchant ready
Smart Payment Terminals
Ingenico Payment Terminals
- Secure, PCI-compliant transactions
- High-speed processing performance
- Durable for high-volume use
- Seamless gateway integrations
- AXIUM Android line available
PAX Smart Terminals
- A920, A80, A35 Android family
- EMV chip and contactless
- 4G + Wi-Fi connectivity
- Multi-currency settlement
- Retail and hospitality ready
Sunmi Smart Terminals
- Android handheld smart terminals
- V2s, V3 Mix and P2 Pro
- Built-in printer + Wi-Fi/4G
- EMV chip and contactless
- Compact countertop option
Why Toronto Businesses Choose Merchant Solutions Corp
We are not a national 1-800 processor with a remote rep. We are a Florida-based, owner-operated team that ships nationwide.
Same-Week Install
GTA-wide install in 7-10 business days. Hardware ships from a Canadian depot, avoiding CBSA customs at the U.S. border.
$0 Upfront Hardware
Qualifying GTA merchants get Clover, Skytab, and Talech terminal placement at $0 upfront. See free POS terms.
Dedicated Account Manager
Bilingual EN / FR account managers and 24/7 emergency device-swap across the GTA — Yonge-Dundas to Mississauga to Markham.
Toronto Payment Processing FAQ
Do you support Interac in Toronto?
Yes. Every Clover, Skytab, and Talech terminal we deploy in Ontario accepts Interac flash, Interac chip & PIN, Interac Online, and Visa Debit / Debit Mastercard alongside credit and tap-to-pay.
Can I settle in both CAD and USD?
Yes. Toronto merchants — especially DTC e-commerce sellers shipping to U.S. customers — can settle to a CAD account for Canadian sales and a USD account for U.S. sales, eliminating round-trip FX fees.
How does Ontario HST 13% work in the POS?
Ontario uses a single harmonized 13% HST instead of split GST + PST. We configure Clover and Square for HST-inclusive or HST-exclusive pricing depending on your industry, with reporting that maps to your CRA HST filings.
Is credit card surcharging legal in Ontario?
Yes. Since October 2022, Ontario merchants can surcharge credit transactions up to 2.4% (capped). We deploy compliant programs with required POS receipt language and signage.
Do you serve Mississauga, Brampton, and Markham?
Yes. Our GTA install network covers Toronto proper plus Peel Region (Mississauga, Brampton), York Region (Markham, Vaughan, Richmond Hill), and Durham Region (Pickering, Ajax, Whitby).
How fast can you install a POS in Toronto?
Most GTA merchants are live in 7-10 business days from approved application. Hardware is dispatched from a Canadian depot — no border delay.
