No obligation · Ontario businesses
Get a free merchant statement review and see if your business is overpaying on card processing, terminal rentals, or POS fees. No obligation. Just a clear look at the numbers.
No jargon. No pressure. We look at what you're paying and give you a straight answer.
Upload or email your latest merchant processing statement. It takes about 60 seconds.
We check your effective rate, monthly fees, terminal costs, and pricing structure to find where your money is going.
If there's room to improve your setup, we show you the options with real numbers. If not, we tell you straight.
Adjust the sliders to see a quick estimate. Send your actual statement for a real breakdown.
Estimates only. Actual savings depend on your statement, card mix, provider, and pricing structure.
Want the real number? Send your actual statement for a free review.
Merchant statements are dense. We break down every fee and flag what doesn't make sense.
Interchange, markup, and your real blended effective rate across all card types.
Many businesses overpay on debit. We break down what you're paying per card type.
Terminal rental fees are often marked up. We check if you're getting fair value.
Bundled POS subscriptions and software fees that may overlap with what you already pay.
Monthly administrative and statement fees that add up quietly every billing cycle.
Per-batch settlement charges that high-volume businesses often pay daily without realizing.
PCI non-compliance surcharges — sometimes charged even when you are compliant.
Where applicable, we outline surcharge and cost recovery options for your setup.
If your business accepts debit or credit cards, a fee review is worth five minutes of your time.
High-ticket card transactions often mean higher processing costs. A rate review can make a real difference.
Frequent small transactions add up fast. Knowing your effective rate across all tap payments matters.
Healthcare practices often carry older terminal setups with hidden rental markups worth reviewing.
Bundled POS and payment systems in hospitality are often more expensive than they appear.
Volume-based businesses deserve volume-based pricing. We help you see what that looks like.
If you accept card payments, your processing cost is worth reviewing regardless of your setup.
Merchant statements are intentionally complex. Caneldin simplifies the numbers, identifies where your money is going, and helps you compare options clearly — before you make any decisions.
Not the rate on your welcome letter — the rate you're actually paying across all card types.
Statement fees, compliance charges, batch fees — we flag every line that may not be earning its place.
If a better setup exists for your volume and card mix, we show you the comparison. If not, we say so.
Example only. Your review reflects your actual statement numbers.
Most business owners have never had their payment costs explained clearly. That's what we fix.
From Ontario business owners who wanted a clearer picture of their payment costs.
"I had no idea what my effective rate actually was. Caneldin broke down my entire statement in plain English. Turns out I was paying a PCI fee every month for a compliance step I had completed years ago."
"I was renting a terminal for $65 a month that I could have bought outright for less. The review took two days. No pressure to do anything — they just laid out the facts clearly."
"We had been with the same processor for six years and assumed everything was fine. The review flagged a batch fee we were paying daily. Simple fix, meaningful difference every month."
Testimonials are illustrative examples representing common experiences from Ontario small business owners.
Send your latest processing statement and get a clear review with no obligation.
Send us your latest processing statement and we'll give you a clear, honest breakdown of what you're paying — and whether there's room to improve.
Your real blended cost across all card types.
Every charge on your statement explained in plain language.
What you're paying for hardware and software, and whether it's fair.
If there's a better option for your volume, we show you the numbers side by side.
If there is no meaningful opportunity, we will tell you straight.
Prefer to email directly?
Send your statement to info@caneldin.com with your business name and we'll get back to you within 1–2 business days.
Fill in the form. We'll review and get back to you within 1–2 business days.
Email your statement directly
After submitting this form, email your latest processing statement to info@caneldin.com with your business name in the subject line. We'll match it to your submission and get started.
Payment processing issues show up differently across industries. Here's how we help specific types of Ontario businesses.
Auto repair shops often run high-average transaction amounts on credit cards — meaning even a small improvement in your effective rate adds up significantly over a year. Terminal rentals in this space are also frequently marked up by processors bundling hardware into pricing.
We review your statement to see what you're paying across Visa, Mastercard, and debit — and whether your terminal arrangement reflects fair market pricing for Ontario.
Salons and barbershops typically run many transactions per day — taps, debit, and credit — at lower ticket sizes. The per-transaction fee structure matters here. A flat-rate processor may not be the most cost-efficient option if your volume is high enough for interchange-plus pricing.
We review your monthly transaction count, card mix, and overall fee structure to help you understand what you're actually paying for payment processing in Ontario.
Many clinics — physiotherapy, dental, chiropractic, and wellness practices — have had the same payment provider for years. Older contracts often carry legacy terminal rental fees, PCI non-compliance charges, and outdated pricing structures that were never revisited as the business grew.
We help clinic operators understand their current payment processing costs and compare what a modern, well-structured setup would look like for their volume.
Restaurant and cafe operators frequently use bundled POS and payment systems — Toast, Lightspeed, Square, Clover — that package processing fees into software subscriptions. It can be hard to isolate what you're actually paying for processing versus software.
We help restaurants and cafes in Ontario understand their true effective rate, evaluate terminal and software costs, and determine if a different arrangement makes more sense for their volume.
High-volume retail and convenience businesses often qualify for better pricing structures — but remain on standard rate plans that processors don't proactively adjust. Batch fees, debit interchange, and terminal costs are all areas worth reviewing if you're processing significant volume every month.
We review retail and convenience store merchant statements across Ontario to identify where pricing doesn't match volume and transaction patterns.
Plumbers, HVAC technicians, electricians, landscapers, and cleaning companies increasingly accept card payments — often through mobile terminals or tap-to-phone apps with flat-rate pricing. As card volume grows, the flat-rate model can become more expensive than alternatives.
We help trades and service businesses in Ontario understand when it makes sense to review their payment processing cost and what options exist for their setup.
If your business accepts debit or credit cards in Ontario, a review is worth a few minutes of your time.
A local Ontario advisory built on honest numbers and straightforward advice.
Caneldin is based in Ontario and helps local businesses better understand their payment processing costs. We work with small and medium-sized business owners across the GTA and broader Ontario market who accept debit and credit cards — and who have never had a neutral third party look at what they're actually paying.
Payment statements are designed to be complicated. The fees are real, but they're buried in columns and abbreviations that most business owners don't have time to decode. We built Caneldin to fix that problem — not by promising magic savings, but by giving business owners a clear, honest picture of their current setup.
We review your merchant statement, identify your real effective rate, flag unnecessary fees, and — where relevant — show you what a better arrangement might look like. If your current setup is already fair, we tell you that too. There is no pressure to switch anything.
Caneldin is operated by Caneldin Management Inc., a company incorporated in Ontario, Canada.
We show you the full picture — not just the parts that make a switch look attractive.
The review is free. You decide if and when anything changes. No sales pitch attached.
We work specifically with Ontario businesses and understand the local payment landscape.
We are not a payment processor and we are not a bank. We do not process your transactions. We are an advisory service that reviews your current payment costs and helps you compare options. Any change you make to your payment setup is your decision — we simply help you make it with better information.
Have a question before you send a statement? Reach out and we'll get back to you promptly.
Whether you want to ask a question, book a quick call, or learn more about the review process — we're happy to connect. No pressure, no pitch.
Prefer to email your statement directly?
Send it to info@caneldin.com with your business name. We'll start the review and be in touch.
Fill in the form and we'll get back to you within one business day.