05 — About — BC, Canada
A merchant services company that answers the phone.
We process for 1,000+ Canadian merchants — from independent cafes to $100M GMV retailers. Same ops team as day one, same direct support, still headquartered in BC.
Payment planning
One setup for the way you sell.
Online, in-store, mobile, and settlement workflows.
Mission
Give Canadian merchants a payment partner that doesn't require an MBA to understand.
Most payment providers hide pricing behind opaque statements and lock merchants into multi-year auto-renewing contracts. We publish interchange-plus pricing, ship itemized statements, and write contracts in plain English. If you want to leave, you can.
History
Where we've been.
Founded
Built in BC.
Started as a field-sales operation helping local Vancouver merchants switch off big-bank processors. First 100 clients referred by word of mouth.
2022
1,000 merchants.
Crossed 1,000 active merchant accounts across Canada. Added named account management and a direct ops team for same-day issue resolution.
2024
Crypto + FX rails.
Partnered with VirgoCX to offer cryptocurrency acceptance with CAD settlement. Added multi-currency FX for cross-border merchants.
Today
$1B+ annually.
Processing over a billion dollars in card volume yearly, with the same named-rep ops model we started with. Still BC-headquartered.
Operating principles
Four rules we work by.
Merchants first
Our compensation is tied to merchant retention, not signup volume. If you leave, we lose — so we build for long-term fit, not close rate.
Hardware-agnostic
No exclusive vendor contracts. We recommend Clover, Square, Lightspeed, or Moneris terminals based on your workflow, not our commission.
Transparent pricing
Interchange-plus pricing, itemized statements, no mid-contract rate hikes. Contracts top out at 36 months with no auto-renew.
Direct support
Named account manager for every merchant over $50K monthly volume. Your first support contact is always a human on our Canadian team.
Most of our new clients come from referrals.
If you got here from a referral: welcome. If not, send a note — we'll tell you straight whether we're a fit.