Your Local Partner ForClover Payment Systems.
Credit card machines, wireless payment systems, and Clover terminals with Interchange+ pricing, on-site installation, and support from real people — not a call centre. Serving small businesses across Southern Ontario from Owen Sound to Niagara.
Trusted Payment Networks We Accept
Discover
UnionPay
JCB
Diners Club
Visa
Mastercard
Amex
InteracDiscoverUnionPayJCBDiners ClubVisaMastercardAmexInteracSound familiar?
Most business owners don't switch payment processors because they're excited about it. They switch because they're fed up. If any of this sounds like your situation, we should talk.
The pain
Most processors bury fees deep in your statement so you can't compare rates. You're not sure what you're paying or whether it's fair — and that's by design.
Our answer
We pull your current statements apart line by line and show you exactly where the money's going. Our free Savings Analysis makes the hidden fees visible — before you sign anything. Whether you're a restaurant, a retailer, or a contractor, low-rate credit card processing starts with knowing what you're actually being charged.
See exactly what you're paying — and what you'd save.
Most processors make their money by making your statement impossible to read. We do the opposite. Whether you need a new merchant account or want to audit your current one, our pricing model is built so you can see every line — and so can we.
How Our Pricing Works
The Payment "Mortgage Broker"
When you buy a house, a mortgage broker shops lenders to get you the best rate. We do something similar with your payment processing — except the transparency goes even further.
Our model is called Interchange+ pricing. Every time a customer taps, swipes, or dips a card, the card network (Visa, Mastercard, or Amex) charges a wholesale rate called interchange. That rate is set by the networks themselves — nobody negotiates it down. What matters is what your processor charges on top of it.
Most processors bundle everything together into one opaque rate so you can't tell where interchange ends and their profit begins. That's how fees creep up without you noticing.
With True North, we set your rates transparently from the start — you'll know exactly what the card networks charge (interchange) and exactly what our margin is (a small number of basis points) before you sign anything. We can walk you through any statement so it always makes sense. Our margin doesn't change. There's nothing hidden, nothing bundled, nothing that quietly goes up six months from now.
The result: you always know exactly what you're paying and why. And when we pull apart your current statement, you'll see exactly where the savings are.
Say Yes to Every Card
Most businesses have been told that accepting American Express is too expensive. That used to be true — it isn't anymore. We offer Amex at rates comparable to Visa and Mastercard, so there's no reason to turn a single customer away.
In a tourism-heavy region like Niagara, every declined card is lost revenue. Contactless debit, credit, tap to pay — accept them all.
Next-Day Funding
Your money hits your account the next business day — standard, no extra charge. Need it faster? Same-day funding is available for businesses that can't wait.
Surcharging Programs
Want to offset your processing costs entirely? We set up fully compliant surcharging programs — signage, receipt formatting, and all regulatory requirements handled.
$500 statement credit when you make the switch.
Because saving money should start on day one.
Want to see the numbers?
Send us a recent processing statement and we'll show you exactly where you stand. Our free Savings Analysis is a no-obligation breakdown of what you're currently paying and what you could be paying with transparent Interchange+ pricing. No pressure. Just clarity.
Four steps. All free. All in person.
You don't pay a dollar until you've seen the numbers, met us face-to-face, and decided we're the right fit. Here's exactly what happens when you reach out.
We Talk
A real conversation — not a sales pitch. You tell us about your business, what you're using now, and what's frustrating you. We listen, ask a few questions, and figure out whether we can actually help. If we can't, we'll tell you.
We Analyze Your Statements
Send us a recent processing statement and we'll pull it apart line by line. You'll see exactly what you're paying in interchange, what's going to your processor, and where the hidden fees are. The Savings Analysis is free, it's yours to keep, and there's zero obligation.
We Survey Your Site
Before we install anything, we come to your location and test your Wi-Fi, network, and connectivity. Dead zones, bandwidth problems, router issues — we find them and fix them. Whether you're running a portable card reader for tableside service or a countertop terminal at the register, your Clover system works reliably from day one because we made sure the foundation was solid first.
We Set Up and Train Your Team
We show up with your equipment — Clover Flex, Clover Mini, or Clover Station Duo — install it, configure your menu or inventory, and train your staff in person. Not over the phone. Not with a YouTube link. In your location, with your people, until everyone's comfortable.
Every step is free. You only pay when you're ready to go live.
You'd be in good company.
Dozens of restaurants, breweries, retailers, and hospitality businesses across Southern Ontario already run on True North POS. Here are a few of them.
Cowbell Brewery
Brewery & RestaurantBrant County
Falls Cafe
Cafe & BistroNiagara Falls
Falls Hotel
HospitalityNiagara Falls
Remingtons of Niagara
Fine DiningNiagara Falls+ Dozens more across Owen Sound, Niagara, Hamilton, and Kitchener-Waterloo.
Three layers of support. The first one picks up the phone.
Most payment companies disappear after the install. We don't. You get three ways to reach a real person — starting with us.
Us. Directly.
You have our cell phone numbers. When something goes wrong on a Friday night or you need help reconfiguring a menu before a holiday weekend, you call us — the same people who installed your system and trained your team. No ticket. No queue. No "your call is important to us."
24/7 Canadian-Based Support
For after-hours technical issues or anything that needs immediate troubleshooting, you've also got round-the-clock access to our partner support team at Payment Experts — Canadian-based, payment-specialized, and available 24/7/365. Real technicians, not a script reader in an overseas call centre.
Clover Direct
As an authorized Clover partner, your business also has direct access to Clover's own support team for hardware, software, and account-level issues. It's a safety net you'll rarely need — because we handle most things before it gets that far.
We don't lock you into contracts. You stay because the support is worth staying for.
See what you'd save. It starts with a conversation.
Tell us a bit about your business and we'll be in touch within one business day. We'll walk you through how the Savings Analysis works, answer your questions, and if it makes sense, schedule a time to come see you. Plus — a $500 statement credit when you make the switch.
No obligation. This is a conversation, not a contract.
No spam. We'll respond within one business day and that's it.
No pressure. If the numbers don't make sense for your business, we'll tell you.
You talk to a real person. Not a chatbot. Not a call centre. Someone local who'll actually come to your business.
Prefer to Call?
We pick up our phones.