Credit Card Processing in Moncton

Credit Card Processing for Moncton Businesses

Credit card processing is the part of the bill most Moncton owners never get a clear look at. The device on your counter is a one-time decision; the processing agreement behind it charges you on every sale for the length of the term. RKP Atlantic Business Services quotes the processing side first, in writing, before anyone talks about hardware.

What you're actually paying

Almost every Canadian merchant statement is built from the same four layers: interchange (set by Visa and Mastercard, paid to the card-issuing bank — nobody discounts this), assessments (the card networks' own cut), the processor's markup, and then the monthly and per-transaction fees — statement fees, PCI fees, minimums, gateway charges. Only one of those four is genuinely negotiable, and it's the one bundled pricing hides.

That's why we quote interchange-plus wherever we can: interchange and assessments passed through at cost, our markup stated as a single number you can actually compare against another quote. Flat-rate and tiered plans look simpler on a sales sheet, but they work by averaging — and the average is set in the processor's favour, not yours.

Your effective rate, calculated properly

The number that matters isn't the rate on the front page of your agreement. It's your effective rate: total fees for the month divided by total card volume. It folds in every fee you're paying, including the ones with names nobody explains. Send us a recent statement and we'll calculate it for you free — line by line, with the items we'd remove marked clearly — whether or not you end up switching.

Processing set up for how your business actually runs

Card-present retail, restaurant service with tips and tabs, e-commerce, phone and mail order, recurring billing, and B2B card acceptance all carry different interchange treatment. A Moncton restaurant that takes tips at the terminal and a contractor invoicing commercial cards are not the same account, and pricing them the same way costs one of them money. We process through Elavon, Fiserv, and Nuvei, which lets us match the platform to the business instead of selling whatever one book we happen to carry.

Support is local. We're up the road in Grand-Barachois, bilingual in English and French, and when a deposit doesn't land or a chargeback shows up you're calling someone who already knows your account. If you're comparing the whole picture, start with merchant services in Moncton or see the hardware side on credit card machines in Moncton.