Kubera Payments
Free Merchant Statement Analysis

The right processor for your business. Not ours.

Kubera is not a processor. We read what you pay today line by line, then fit the hardware and the acquirer to how your business actually runs. It starts with a free statement review: send yours and a BC-based specialist returns the full breakdown within 1 to 2 business days.

The best fit tech and hardware stack for your business Costs reduced for 95%+ of businesses we've deployed No downtime: we deploy around your operating hours Real human support from BC, never outsourced abroad

What we actually deploy, by business type.

What are you paying right now?

Most owners can name their rent to the dollar but have never seen their true cost of accepting cards. Drag the slider to your monthly volume and watch it add up. Then find out how much you could save working with Kubera through a no-cost, no-commitment comparative pricing review.

$150,000
Total card sales per month, in dollars
Not sure? Leave blank, we'll use a typical benchmark for your industry
No obligation, just numbers.
Estimated annual card cost
$0
$0 / month
Effective rate used
0.00%
based on your industry benchmark
Where a typical effective rate goes $0 / yr
Interchange (set by the card networks) Card-brand assessments Processor markup — the negotiable part

Your full line-by-line breakdown is ready to be built.

The estimate above is the headline. The real breakdown, every card type and fee on your statement, is prepared by a BC-based specialist from your actual numbers and comes back within 1-2 business days.

Get my free line-by-line review

Estimate only, based on the numbers you entered (or a typical benchmark if you left the rate blank). The composition bar is illustrative. Your real cost depends on card mix, entry method, and pricing model, which is exactly what a statement review makes visible.

OR SKIP STRAIGHT TO THE REVIEW

Recommended payments partner, BC Chamber of Commerce

Get your free line-by-line statement review

A real person, not software, compares your statement against what your business could be paying, and sends the breakdown back within 1-2 business days.

Step 1 of 2 · Contact details

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Your details are in, and a BC-based specialist will reach out as soon as possible, within 1-2 business days at the latest. Prefer to lock in a time right now? Pick a slot below and it's booked.

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Anatomy of a processing statementAn illustrative statement with fee lines grouped into three bands: interchange set by the card networks, network assessments, and the acquirer margin, which is the only negotiable layer.CARD PROCESSING STATEMENTMERCHANT 0000 0000 · PERIOD 06/01 TO 06/30VISA INFINITE INTERCHANGE1,248.31VISA STANDARD INTERCHANGE402.17MC WORLD ELITE INTERCHANGE612.40MC CORE INTERCHANGE231.09INTERAC FLASH96.12FOREIGN CARD INTERCHANGE184.55VISA ASSESSMENT FEE88.20MC ASSESSMENT FEE71.44CROSS BORDER ASSESSMENT24.63PROCESSOR MARGIN391.72STATEMENT FEE25.00PCI NON COMPLIANCE FEE39.95MONTHLY MINIMUM SHORTFALL18.50Interchangeset by the card networksAssessmentscard network feesAcquirer marginthe only negotiable layerTOTAL FEES3,434.08
An illustrative statement. Only the acquirer margin band is negotiable, and most owners have never seen theirs.

It starts with your statement. Not a sales pitch.

Most businesses have never had anyone explain their processing statement to them. That is not an accident. Here is how we do it.

01

Send your statement

Upload your most recent processing statement, or submit the form and we'll help you find it.

02

Get a line-by-line review

A specialist compares your actual fees against what your business could be paying, within 1-2 business days.

03

You decide

A real person walks you through the numbers. If the math doesn't make a switch worth it, we'll tell you that too.

Why businesses choose Kubera

Not satisfied? Closure costs covered

Our Kubera team will cover any and all closure costs if you are not satisfied with our deployed solutions for any reason. We'd rather earn your business every month than trap you in anything.

No phone trees, no offshore call centres

Support goes straight to our BC-based team. A human who knows your account picks up.

Built for complex, integrated setups

POS, accounting, ERP, hotel management, eCommerce, and field service software: we deploy into what you already run.

Recommended BC Chamber partner

The recommended payment processing partner for the BC Chamber of Commerce, the BC Restaurant and Food Services Association, and the BC Beauty Council. Chamber members that upgrade with Kubera can often reduce payment processing costs in excess of their monthly Chamber dues.

Multiple processors, not one ecosystem

We're not tied to a single platform, so the recommendation fits your business, not our product line.

Long-term account management

The person who sets you up stays your first point of contact for the life of the relationship.

Deployed for businesses across British Columbia

“…our team particularly loves that tipping has increased by 15% across the chain because of Clover's tip presentation.”
Matt SmithVP, Blenz Coffee
“Kubera has been an invaluable resource for our business. Their knowledge and expertise in various vertical markets have helped us navigate the world of payment systems…”
Ken OdakaDirector of IT, Cypress Mountain
“Both the setup support and the long term service our members receive from Kubera Payments is heads and tails above what they receive from the call centres at the traditional bank processors.”
Ian TostensonPresident & CEO, BC Restaurant & Food Services Assoc.
“The Kubera support team provides extremely rapid responses to support requests as well as offering phone support with no automated phone tree during office hours.”
Blair CresswellPrincipal, Jixaw Technologies
“The dedicated continuity of service our clients receive from Kubera ensures a much more efficient and transparent process compared to working with the big banks.”
Boris IssaevCo-Founder, ParkPass
“Kubera is our trusted partner, bringing value and efficiency to your payment processing needs.”
BC Chamber of CommerceRecommended payments partner

Kubera, in their own words

Real people in BC answer the phone, deploy the hardware, and stay on your account.

Kubera Payments video

There's no downside to finding out.

Our comparative pricing review answers a question every business should be able to answer: are my payment acceptance costs still competitive? Here's how that plays out.

Most of the time, you save

We've reduced processing costs for more than 95% of the businesses we've deployed payment solutions for. Businesses on flat-rate pricing with processors such as Square, Stripe, or PayPal often see processing cost reductions up to 0.5%-1%.

Worst case, you get peace of mind

If your rates are already sharp, we'll tell you exactly that. You'll know you're getting the best possible deal, and you can forget about it for a couple of years.

Either way, you're up to date

Processing prices aren't static. Processors reserve the right to raise them, and many do, year after year. A review confirms where your pricing actually sits in today's market.

Get my free comparative pricing review No obligation, just numbers.

Common questions

Will switching disrupt my business?

If we are selected, our payments update is scheduled around your business operations. Your existing payment provider stays in place while we deploy and test our update. You will experience no downtime during the update process.

Am I locked into a long contract?

Our Kubera team will cover any and all closure costs if you are not satisfied with our deployed solutions for any reason.

How much do businesses typically save?

It depends on your current rates. We've reduced processing costs for more than 95% of the businesses we've deployed payment solutions for. Businesses on flat-rate pricing with processors such as Square, Stripe, or PayPal often see processing cost reductions up to 0.5%-1%. Upload a statement for our comparative pricing review. We will provide clarity on your current pricing and provide a customized proposal of what we can offer before you decide on anything.

What if the review doesn't find much?

Then you'll know your current provider is treating you fairly, which is worth confirming. We'll tell you straight either way. No one will pressure you to switch.

Is my statement data secure?

Statements are used only to prepare your comparison and are handled confidentially by your assigned specialist.

How fast can I get an answer?

Your line-by-line review comes back within 1-2 business days, and a specialist follows up the same day it's ready.

One statement could tell you what you're overpaying.

No obligation. No pressure. Just the numbers.

Your monthly card volume $150K
Costs you about $0/yr
604-484-9278 Get My Free Review