All payment solutions. One place.
Built for restaurantsretail storescafésboutiquesgrocersgrowing brands
Terminals, POS, online payments, cheques, AI marketing, websites, business loans and grants — compared across leading brands and delivered by one team that actually picks up the phone.
Specialists in small & mid-size restaurants and retail.
Most of our merchants run restaurants and stores. So we've built ready-to-go bundles — hardware, POS, online sales and funding — for exactly how you operate.
Turn tables faster. Keep 100% of online orders.
Pay-at-table handhelds, kitchen display, commission-free ordering and equipment financing.
- Clover
- TouchBistro
- Lightspeed
- MYR
- PAX
Faster checkout. Smarter inventory. Sell online too.
Barcode-ready POS, synced eCommerce, loyalty and inventory loans for busy seasons.
- Clover
- Lightspeed
- Odoo
- Ingenico
- Shopify-ready
Find your best setup
Answer three questions — we'll match the bundle most small & mid-size businesses like yours choose.
1. Your business
2. Your size
3. Your style
Café & Quick-Service Starter
Coffee shops, bakeries, takeout, QSR with 1–2 checkouts.
- Hardware: Clover Mini at the counter + Clover Flex for line-busting
- Software: Clover Counter Service plan — menus, modifiers, kitchen printing
- Grow: Commission-free online ordering, digital loyalty punch card & eGift cards
- Funding: Merchant cash advance for renos or a new espresso machine
One partner. Every way to get paid and grow.
Stop juggling a processor, a POS rep, a cheque printer, a web agency and a lender. UrbanPay brings it together — and makes every piece work with the others.
Payment Terminals
Clover, Poynt, Ingenico, Dejavoo & PAX — countertop, wireless and smart terminals, set up and supported.
ExplorePOS for Retail & Restaurants
Clover, Lightspeed, Odoo, MYR and TouchBistro — matched to how your business actually runs.
ExploreLoyalty & Gift Cards
Points, punch cards, branded plastic and eGift cards that bring customers back and lift spend.
ExploreQR & Tap-to-Pay
Scan-to-pay at tables and on invoices, QR order-and-pay, and contactless payments on your phone.
ExploreVirtual Terminal
Key in card payments from any browser — phone orders, invoices, deposits and recurring billing.
ExploreeCommerce Payments
Plug-ins for Shopify & WooCommerce, pay-by-link, hosted checkout and developer APIs.
ExploreCheque Printing
Laser & manual business cheques with security features, your logo and proof-before-print.
ExploreAI Marketing Tools
Commission-free online ordering, loyalty, SEO, reviews and email — growth on autopilot.
ExploreWeb & App Development
Websites, online stores, iOS/Android apps and custom software — built and connected to payments.
ExploreBusiness Automation
AI chat, booking, invoicing, accounting sync, CRM and marketing workflows that run themselves.
ExploreBusiness Loans
Merchant cash advance, receivable financing, inventory, expansion and equipment funding.
ExploreBusiness Grants
RTRI, REDIP and more — we screen eligibility and help you build a fundable application.
ExploreFree Statement Review
Upload last month's processing statement — we'll show your true effective rate and hidden fees.
ExploreWhat are you really paying to accept cards?
Most owners only see the advertised rate. Upload last month's statement and we'll find every hidden fee — free. Your effective rate — total fees ÷ total card sales — tells the real story. Slide in the numbers from your last statement.
That's $15,360 a year in fees. That looks high — a statement review could uncover savings.
Not another processor. Your payments partner.
Single-brand providers sell you their box. We compare across our approved vendor network and pick what fits your business.
| UrbanPay | Typical processor | Big bank | |
|---|---|---|---|
| Multiple terminal & POS brands to choose from | ✓ | One brand | Limited |
| Free statement review & rate comparison | ✓ | — | — |
| Cheque printing in the same place | ✓ | — | ✓ |
| Merchant cash advance & business loans | ✓ | Sometimes | Strict criteria |
| Grant screening (RTRI, REDIP & more) | ✓ | — | — |
| Websites, apps & AI marketing | ✓ | — | — |
| Local, human setup & training | ✓ | Call centre | Branch hours |
From first call to first sale in four steps
Tell us your needs
60-second form or a quick call. Share a recent statement if you have one.
Get a side-by-side
We compare hardware, software and pricing from our partner network.
We set it up
Application, configuration, menu/inventory import and staff training.
Grow with support
Ongoing help plus funding, marketing and web tools when you're ready.
Built for the way Canadian businesses sell
Your custom quote, minus the sales pitch.
Tell us what you need. We'll come back with a clear comparison and honest recommendation — whether that's a $0-down terminal, a full restaurant POS, or $250K in working capital.
Fast response
A real person reviews every request.
Vendor-neutral
We recommend what fits — not what pays us most.
Secure by default
PCI-compliant partners, EMV & tokenization.
Get your free custom quote
Takes 60 seconds. No obligation, no pressure.
Thanks!
Your request is in. An UrbanPay specialist will review it and get back to you with options — usually within one business day.
Need it sooner? Call +1 604 360 7088
Questions, answered
Do I have to switch processors to work with UrbanPay?
No. We can start with a free statement review and show you options side-by-side. If staying put makes sense, we'll tell you.
Which terminals and POS systems can you provide?
Clover, Poynt, Ingenico, Dejavoo and PAX terminals, plus Clover, Lightspeed, Odoo, MYR and TouchBistro POS. We match the system to your business type, volume and budget.
How fast can I get set up?
Many merchants are processing within days of approval. We handle the application, configuration and training.
Can you help with funding as well as payments?
Yes — merchant cash advances, receivable financing, inventory, expansion and equipment loans, plus grant screening for programs like RTRI and REDIP.
Do you build websites and online stores?
Yes. We design and build websites, eCommerce stores, mobile apps and custom software — with payments built in from day one.
Ready to pay less and get more?
Tell us about your business — we’ll compare options across our partner network and come back with a clear recommendation.