About PFAdvance

PFAdvance is a Canadian owned merchant services practice focused on one outcome: a lower effective rate on the card volume you already run. We work with professional and retail businesses across Canada that process at scale and have not repriced their program recently.

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We place qualified merchants on processing programs built on a global payments platform (our wholesale partner). You get modern hardware, transparent line items, and a team that implements the change. We earn when you save, not from hiding margin in a dense statement.

Why this exists

Processing is a commodity. Most statements blend interchange, assessments, and processor markup in ways that are hard to compare. We start from your actual paperwork, show what you pay today, and map what the same volume would look like on a wholesale-style schedule.

Built for Canadian businesses

PFAdvance is headquartered in Canada. Your data stays in Canada. We understand Canadian interchange structures, Interac, and the Code of Conduct rights that give you a penalty-free exit after a fee increase.

PFAdvance also serves United States merchants at pfadvance.com, with pricing and benchmarks calibrated to that market.

Get a free analysis · Processing guides · Cheaper credit card merchant pricing · FAQ