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 10¢/transaction + terminal rental from $25/mo, available with every terminal. 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 · 5.9¢ Interac flat
Interac debit is a flat 5.9¢ per transaction on every terminal — tap, chip and swipe. 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 any terminal below.
The surcharge matches your own cost of acceptance on credit cards and never exceeds the cap, 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, a flat 5.9¢ per Interac transaction on every terminal, and American Express priced by industry (call us for a quote); 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 — never more than your cost of acceptance, capped at 2.4%.
Plan perks: $5/mo off every terminal rental, and 10% off the Sunmi D3 Pro POS bundle.
Capped at your cost of acceptance · credit cards only · available with every terminal · not available in Quebec.
Prefer no surcharge for your customers?
1.50%* Visa/MC · 1.80% Amex
1.5% on Visa & Mastercard (+0.3% on non-qualified transactions). No transaction, monthly, service or PCI fees.
* American Express is priced by industry — call us for a quote.
American Express is 1.80% all-in.
No surcharge for your customers. No contracts.
The full rate breakdown
* American Express is priced by industry — call us for a quote.
Standard rates for every business — volume pricing available for high-volume merchants. No contracts. Terminal rentals from $30/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.
No contracts
You are not locked into a term. We earn your business every month with the rate we quoted and the service behind it — not with a signature that traps you.
Terminals & POS
Ingenico Desk/5000
A countertop terminal with a colour touchscreen and a built-in receipt printer — tap, chip and swipe at a fixed checkout counter.
$30/mo
Hands-on setup assistance with every terminal we rent — we come to you, in English · 한국어 · Tiếng Việt.
Ask about terminalsPOS systems · Sunmi
A full point-of-sale to run the whole store — orders, inventory and checkout. The Sunmi D3 Pro pairs with your Newdays payment terminal to take card payments.
Request a Sunmi quoteFrequently 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 Ingenico Desk/5000 countertop terminal at $30/mo, the Ingenico Axium DX8000 Android smart terminal at $40/mo, and the Ingenico Move/5000 wireless handheld at $50/mo — all with tap, chip and swipe, plus the Sunmi D3 Pro POS bundle at $2,200 complete (cash register / cash drawer, barcode scanner and receipt printer included) with hands-on setup. On the surcharging plan every terminal rental is $5/mo less and the POS bundle is 10% off. 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 no contracts and 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 at 10¢ per transaction plus terminal rental from $25/mo, so it is not truly free; the program is available with every terminal and is not available in Quebec. Prefer not to surcharge? A standard rate — 1.5% on Visa and Mastercard with Interac debit at a flat 5.9¢, and American Express priced by industry (call us for a quote) — 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.