Better rates. Better service. A better newday.
Card processing,
in plain daylight.
Newdays gives the GTA's nail salons, hair salons, convenience stores, cafés and restaurants honest, itemized pricing — with flat-fee Interac that keeps your small tickets cheap and a Zero-Cost program that can bring your credit-card processing to 0%. Run your numbers and see the real rate.
0% credit-card processing fees — you pay only Interac from 3.9¢/transaction + terminal rental from $30/mo, available with Clover terminals. Your credit-card customers pay a disclosed surcharge (never more than your cost of acceptance, max 2.4%). Credit cards only · not available in Quebec.
Real human support, 24/7 · 365 — English · 한국어 · Tiếng Việt — talk to a real person.
Plug in the numbers from your latest statement.
Our standard rates: 1.50% Visa/MC · 1.80% Amex · from 3.9¢ Interac
Debit is figured at the tap rate (Clover 5.9¢ · PAX 5.5¢). Clover chip & swipe is 3.9¢. Your terminal’s monthly rental is included in the Newdays total.
Just enter the total fees from your latest statement — that’s all we need for an estimate.
On the Zero-Cost program your credit-card customers cover the processing through a disclosed surcharge, so credit-card processing is $0 to you. You still pay per-transaction Interac and terminal rental — pick your Clover terminal below.
Surcharge shown as a percentage of the sale, before tax. Credit cards only — Interac debit is never surcharged. Not available in Quebec.
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These flat fees cost the same whether you sell $100 or $10,000 — with Newdays you see every line before you sign, and we quote only the fees you actually need.
Newdays standard rates for every business — volume pricing for high-volume merchants
These are our standard Newdays rates — an all-in credit rate of 1.5% on Visa & Mastercard and 1.8% on American Express, and device-specific Interac from 3.9¢ per transaction; high-volume merchants may qualify for volume pricing, so call or send your statement. Credit is priced as a percentage of sales, Interac as a flat fee per transaction. Pull your numbers straight off your statement to compare.
Two honest pricing models
Fund your credit-card processing with a disclosed surcharge your customers pay — or choose our standard rate with no surcharge at all. Full costs, both ways.
Zero-Cost Credit Card Processing
0% credit-card processing fees
Your credit-card customers pay the disclosed surcharge (max 2.4%).
Capped at your cost of acceptance · credit cards only · available with Clover terminals · not available in Quebec.
Prefer no surcharge for your customers?
1.50% Visa/MC · 1.80% Amex
1.5% on Visa & Mastercard, 1.8% on American Express (+0.3% on non-qualified transactions). No transaction, monthly, service or PCI fees.
No surcharge for your customers.
The full rate breakdown
Standard rates for every business — volume pricing available for high-volume merchants. Terminal rentals from $25/mo.
Why Newdays
No mystery markups
You see interchange, our margin, and your effective rate — line by line. The number in your quote is the number on your statement.
Flat-fee Interac
Most debit transactions are small tickets. We charge a flat fee per transaction, not a percentage — so a $4 coffee never costs you like a $400 sale.
Genuine local experts
Real people in the GTA who know payments inside out — setup, support and straight answers in your language, never a 1-800 queue in another time zone.
We grow together
We earn when you process more, so we're on your side of the counter — modern contactless-ready hardware and tools that help you actually grow.
Your personal account manager
Every store gets one person who knows your business by name, handles everything personally, and grows with you as you scale.
24/7 · 365 support
We're reachable every day of the year — plus a free monthly statement review, so your rate stays honest as you grow.
Terminals & POS
Clover Flex
A handheld all-in-one with a built-in receipt printer and all-day battery — tap, chip and swipe tableside or on the go, over WiFi or 4G/LTE.
$30/mo
Clover Mini
An 8-inch countertop smart terminal with a built-in printer over ethernet, WiFi or LTE — the anchor for a fixed checkout counter.
$60/mo
Clover Bundle
Two Clover Mini for $60/mo with a $20 linking cable — run two checkouts on one plan.
PAX Combo
PAX A920 Pro + A80 together for $30/mo combined — instead of $25 each.
Competitive pricing on Square and Clover POS systems, plus hands-on setup assistance — we come to you, in English · 한국어 · Tiếng Việt.
Ask about terminalsFrequently asked questions
How is Newdays pricing different?
Newdays uses itemized pricing: you see the wholesale interchange plus our margin, line by line, so the number we quote is the number on your statement. No bundled tiers or mystery markups hide the real cost.
What is flat-fee Interac and why does it save small-ticket businesses money?
Flat-fee Interac means you pay a fixed cents-per-transaction fee on debit instead of a percentage of the sale. Because most debit transactions are small tickets, a flat fee stops a $4 coffee or a $15 manicure from costing the same rate as a $400 sale, so nail and hair salons, convenience stores, cafés and quick-service spots keep more of every debit dollar.
How fast do I get my quote and statement analysis?
You get a same-day quote in most cases, and a real person reviews your statement and sends a line-by-line savings analysis within 24 hours. A human in the Greater Toronto Area reads your numbers, not an automated black box.
Can I get support in Korean?
Yes. The owner speaks Korean, so you get a direct line to a real person instead of a call center, and setup, questions and ongoing support can all happen in Korean.
Is support available in Vietnamese?
Yes. Newdays offers support in Vietnamese with a direct line to a real person instead of a 1-800 queue, and setup, questions and ongoing support can all happen in Vietnamese.
Do you serve businesses outside Toronto?
Yes — Newdays serves the entire Greater Toronto Area and surrounding regions: Mississauga, Brampton, Markham, Vaughan, Richmond Hill, Oakville, Burlington, Hamilton, Oshawa and nearby communities. Setup and support come to you, in person.
What kind of support do I get?
You get a personal account manager assigned to your store, 24/7 · 365 support in English, 한국어 or Tiếng Việt, and a free monthly statement review. Your manager learns your business and grows with you, so help always comes from someone who already knows your account — never a 1-800 queue.
What terminals and POS systems do you offer?
We rent the Clover Flex handheld from $30/mo, the Clover Mini countertop smart terminal from $60/mo, and the PAX A80 and PAX A920 Pro from $25/mo — all with tap, chip, swipe and built-in receipt printers, plus competitive pricing on Square and Clover POS systems with hands-on setup. Ask about our bundles too: our Clover Bundle puts two Clover Mini on one $60/mo plan (with a $20 linking cable), and our PAX Combo pairs a PAX A920 Pro and A80 for $30/mo combined. Whether you want a portable handheld or a countertop terminal, we help you pick the right fit, set it up in person across the Greater Toronto Area, all on our standard processing rates, with volume pricing available for high-volume merchants.
Is credit-card surcharging legal in Ontario — and can I really pay 0%?
Yes — credit-card surcharging has been legal across Canada except Quebec since October 2022, so it works throughout Ontario and the GTA. On our Zero-Cost Credit Card Processing program your credit-card customers pay a disclosed surcharge, capped at your cost of acceptance (never more than 2.4%) and applied to credit cards only — Interac debit is never surcharged. You still pay Interac from 3.9¢ per transaction plus terminal rental from $30/mo, so it is not truly free; the program is available with Clover terminals only and is not available in Quebec. Prefer not to surcharge? A standard rate — 1.5% on Visa and Mastercard, 1.8% on American Express — is always available instead.
Ready to see your real rate?
Send over a recent statement and we'll show you, line by line, exactly what you're paying now and what you'd pay with Newdays. No pressure, no jargon.
Get your real rate
Send your numbers for an instant itemized quote — usually same-day — or attach a recent statement and a real person will send you a line-by-line analysis within 24 hours. You get a personal account manager and a free monthly statement review, in English, 한국어 or Tiếng Việt.