Small Business
Advocate & Consultant Serving Canada

**Independent Credit/Debit Card Processing Specialist

Fees Based Upon Savings*

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We are the independent credit and debit card processing experts it is all we do!

We get paid when you save salespeople get paid when you spend more. Where do you think you will get the best deal?*

Can you answer these questions?

  1. Who are the players in the industry?
  2. How does payment processing work?
  3. Who gets which fees, what they are the main fees and what the processor’s basic costs?
  4. What are the classifications of credit cards Qualified vs Non Qualified Interchange rates for each?
  5. Why can’t I understand my statement?
  6. What is the “Code of Conduct for the Credit and Debit Card Industry” (Canada) what it is and is it’s purpos?
  7. What is PCI DSS (Payment Card Industry Data Security Standards) what is your obligation and what are the risks (personal guarantee)?
  8. What are the main credit card processing fee plans and how do they compare?
  9. What is the safest way to accept payments online?
  10. How to setup repeating, installment, recurring transactions and safely store customers credit card information.

If you can answer to the above questions you probably already have a good deal if no CONTACT US for a complimentary single statement audit

*A la carte services also available on a fee for service basis.

The best way to describe Rick and Small Business Assist… is a dog with a bone.I came to Rick overwhelmed with the prospect of accepting payments on line. With no shortage of sales representatives from various companies calling to get us to switch, I needed some guidance from a professional with no hidden agenda.Rick was able to tease apart the proposed contracts and show me that although it appeared I would be getting a lower rate, hidden fees and extra’s were added(not discussed nor agreed upon). Had I have signed, not only would I have been paying more, but my contract would have been extended.I am thankful for Rick’s guidance and would recommend his services to companies large or small who accept credit card payments.

Christine RabyPresident Aapex Driving AcademyAapex Driving Academy

How SmallBizAssist Started
In 2010 I opened a temporary store in Welland Ontario with a short 4 month lease. I was approached by a sales rep about credit card processing. The rep promised great rates, better than those I had arranged with his previous processor and when asked about cancellation fee he was told “we have none”. As the other company had a $300 cancellation fee I expected to pay and with the promise of lower rates I agreed. It should be noted that I didn’t understand the rates and fees and the contract might as well have been written in another language way too confusing. The terms and conditions with the contract were completely illegible very small type and very low resolution the salesman apologized and said he was new and this was his only copy.

The store opened and closed as planned but after not processing any transactions for a week the processor withdrew $500 from my business account. I found out later this was due to an “inactivity” clause in the illegible terms and conditions. I reversed the charge and closed the business account. About a month later I received a notice from a collection agency that I owed over $4000 in cancellation fees, again apparently in the illegible terms and conditions. They harassed me for a few months and I decided to take action and instigated a lawsuit against them for what they were asking me for. To make a long story short they relented and waived their cancellation fee when we were before judge in a settlement hearing.

After months of research and talking to other businesses I decided there was a need for someone to help other businesses with this complicated but necessary part of doing business today and SmallBizAssist was born.

Rick SmithOwner & Founder of SmallBizAssist

Re: Rick Smith @ Small Biz Assist
June 18, 2014
To: EVERYONE using Visa/Mastercard/Debit machines.
We would like to thank Rick for all his help and support helping us through our trials and tribulations with our Merchant Services provider. We had signed up for Merchant Services through our local Chamber of Commerce as they offered ‘special rates’. What we quickly learned is that we had signed up to a nightmare. Having purchased our GPRS terminal, and all the other mistakes the salesman made, it probably cost us in the neighbourhood of $2000.00+ going this way.
I had met Rick at a couple of chamber functions and did not give it much thought… Until we had problems-9 months of them! That’s when Rick stepped in. He went over the billing and contracts and unearthed more of the big mess we were in.
Rick took the time to go over our billing, analyze it, and show where things were going wrong. His expertise, knowledge and explanations of how things are billed really opened our eyes. We had no idea what some of the fees were due to the way the Merchant services providers do their invoicing. We also realized that advertised ‘lowest rates’ are not always the best way to go for a business. They don’t tell you the back end fees etc.
Rick has been THE reason we have now got our Merchant Services in order with our new provider. I can’t thank him enough!
Do yourself a favour- DO NOT ATTEMPT MERCHANT SERVICES ON YOUR OWN!!! Having Small Biz Assist manage your Visa/Mastercard/Debit is worth EVERY penny! He will make sure you have the right program for your business!

Kindest Regards,
Ryan G. Norder
Krystal Cartier-Dobransky
Aqua Service Niagara
15-595 Carlton Street,
St. Catharines, ON
L2M 4Y2

Ryan Norder, Krystal DobranskiOwners Aqua Service NiagaraAqua Services Niagara
  • Statement audit

    We will do a full independent audit of your current statement with no predetermined objectives. You get an accurate explanation of your current costs and whether you can save money.

  • Negotiations

    If we determine that you can save money we will first negotiate with your current processor by presenting them with a bonafide competing offer.

  • Changeover Management

    If you decide to change to a new Processor we help with all the details start to finish and make sure there are no costly surprises.

  • Account Management

    Management of your merchant account including monthly reports, included with changeover fees for the first year of available for a monthly fee.

  • Dispute Resolution

    We will work on your behalf to help resolve disputes with processors and/or third parties like leasing companies. We have extensive knowledge of the Code of Conduct for the Credit and Debit Card Industry (Canada) and can make sure your rights are observed.

What we do:

We are a small business consulting company specializing in electronic payment processing. To our knowledge we are the only company in Canada with that specialty that does not accept any payment from the industry. We work for businesses helping them get the best possible deal for credit and debit card processing with any processor who can supply it. We also help when businesses have problems with processing whether it is cancelling a contract and avoiding cancellation fees best practices for avoiding loss or fraud. Our fees are based upon savings and not buried in rates to pay commissions

    •  A comprehensive statement audit comparing current bottom line costs with rates available competitively.
    • Our recommendations with estimated savings
    • Secure competing offer(s) for you processing business and negotiate with your current processor for better rates
    • If necessary manage a changeover to a new processor preparing all paperwork, return of equipment and setup.
    • Manage your account with monthly reports and savings/security suggestions for 1 year
    • Ongoing support as long as and whenever you need it.

Approved Supplier For and Member Of

GTBC small



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*Applies to changeover and management costs which are based on a percentage of actual savings (Original audit $79 deducted from changeover fees). Some condtions may apply contact us for details

**We work for and with our clients and accept no compensation from any person, organization or group in the Payment Processing Industry so we can find the deal that works best for your business.