Payment processing, answered.

Sister Processing Solutions was founded in 2014 and serves merchants across Canada and the USA. We process millions of dollars in transactions for our clients every year, across retail, restaurants, services, e-commerce, and professional businesses of every size.

You're not just an account number to SPS. The person who reads your application is the person who calls you back, and the person who sets up your account is the person who answers when something needs answering. When you keep more of every sale, we both win.

Real people, every day, no call center. When you call, you reach someone who knows your account, not a phone tree or an offshore queue. If something comes up for you, it comes up for us too.

Any legitimate merchant: brick-and-mortar retail, restaurants and cafes, salons and trades, professional services, non-profits, and online stores. Whether you take one payment a day or thousands, we tailor the setup to how you actually run.

End-to-end payment processing: merchant accounts, in-person terminals and POS systems, online payment gateways, mobile and virtual terminals, and business funding. We support merchants throughout Canada and the United States.

Visa, Mastercard, American Express, and Discover, plus debit. In Canada we support Interac and Interac e-Transfer; in the USA we support ACH and EFT. We also accept contactless and digital wallets including Apple Pay and Google Pay.

Yes. Our terminals connect over both WiFi and cellular, so you can take payments anywhere you have a signal, at the counter, at an event, or out on a job site. We also offer a virtual terminal for keyed-in and phone orders.

Yes. Our secure payment gateway plugs into major shopping carts and custom checkouts so you can accept cards online with the same rates and support as in person. See our online and mobile options on the solutions page.

We do. From a simple countertop terminal or wireless reader to a full point-of-sale system with inventory and reporting, we match the hardware to your business and set it up for you.

Yes. Through our merchant cash advance and business funding program, qualified merchants can access working capital based on their processing volume, with repayment tied to a small slice of daily sales. Ask us what you qualify for.

Pricing is custom to your business, so we do not publish a rate table. Tell us how you take payments and roughly how much you process, or send a recent statement, and we will put together one fair, transparent quote with no hidden fees, no junk line items, and no long-term contract. Usually within a day.

No. We work month-to-month with no long-term commitment, no early-termination penalties, and no hidden fees. Cancel any time. We would rather earn your business every month than lock you in.

Most transactions settle to your bank account next business day, with batch cutoffs you control. We will confirm your exact deposit schedule when we set up your account.

Absolutely. We review your current statement, compare your real rates, and handle the transition with zero downtime. Switching takes days, not weeks, and your customers never notice a thing.

Apply online in a few minutes through our Canada or USA application, and most accounts are approved within a couple of business days. We will let you know exactly what we need and keep you posted the whole way.

Every account is built to PCI DSS standards with encryption and tokenization, and we guide you through PCI compliance so it is one less thing to worry about. Card data is protected end to end.

Chargebacks happen to every business. We alert you quickly, walk you through the dispute, and help you gather the evidence to represent the transaction, with a real person on your side, not a form to fill out alone.

Yes. With offices in Montreal, Quebec and Florida, USA, we support merchants on both sides of the border, with payment methods and settlement tuned to each country: Interac in Canada, ACH/EFT in the USA, and the major card brands everywhere.