A merchant account built in Toronto.
Accept cards, wallets and recurring payments with a Canadian payment partner — fast review, daily payouts for qualified merchants and real people who answer.
Local people. Modern infrastructure.
Headquartered in Toronto
A Canadian team that understands how Canadian businesses operate.
Hours that fit your day
Real people Monday to Sunday, 7am–9pm EST.
Fast merchant review
Typically under 24 hours once your application is complete.
Payouts that keep up
Daily payouts available for qualified merchants.
Security built in
Tokenization, encryption and real-time fraud screening.
Stable processing
Redundancy and intelligent routing behind every payment.
Your application, ready in minutes.
Have these handy and approval moves faster. Rough numbers are fine to start.
Business registrationLegal name, address and registration details.
Owner informationWho owns and runs the business.
Banking detailsWhere you want payouts to land.
Website or storefrontWhere and how customers buy from you.
Payment methodsCards, debit, wallets, digital assets: what you want to accept.
Volume & ticket sizeRough monthly volume and average sale.
Products & policiesWhat you sell, refund and delivery policies.
How you take paymentsOnline, in person, invoices, subscriptions.
From application to first payment.
Apply
Tell us about your business, owners and how you sell.
Merchant review
Our team underwrites your application and follows up with questions.
Connect
Hosted checkout, API, terminals, invoices — with hands-on help.
Get paid
Start accepting payments and track everything in your dashboard.
Online, in person and on repeat.
One account covers the ways Canadian customers like to pay.
- Credit & debit cards
- Apple Pay & Google Pay
- Invoices, payment links & virtual terminal
- Recurring billing
- Terminals for in-person sales
- Digital-asset settlement for qualifying merchants
Online, in-person and recurring payments reported together.
Merchant accounts in Canada — FAQ
Apply with your business details, banking information and a description of how you sell. The provider underwrites your business, then sets up your account and payment methods. With Cirqle, merchant review typically happens in under 24 hours once a complete application is submitted.
Yes. Cirqle is headquartered in Toronto, Ontario.
Credit and debit cards, Apple Pay and Google Pay, invoices and payment links, recurring billing and in-person terminal payments — plus digital-asset settlement for qualifying merchants.
Often, yes. New businesses can be approved — underwriting looks at your model, owners and policies, not just history. Tell us about your plans.
Yes. Complex and elevated-risk models are a core focus. See high-risk merchant accounts.
Daily payouts are available for qualified merchants.
*Daily payouts for qualified merchants. Merchant review timing applies once a complete application is submitted.
Get a tailored quote in 20 seconds.
Three quick answers and a specialist comes back with pricing built for your business — no obligation.
Ready to accept payments the Canadian way?
Apply in minutes. A Toronto-based team takes it from there.