JSP Consulting Inc.

Canadian payments consulting

Merchant agreement negotiation

Prepare for a new payment processing agreement or an upcoming renewal with a clearer view of the pricing, commercial terms and service commitments. JSP Consulting Inc. advises businesses across Canada on credit and debit card processing decisions.

Discuss your payment needs

Before you sign, understand your options.

A merchant agreement connects your payment processing costs with the commercial terms of your provider relationship. A new agreement or renewal is an opportunity to consider how well those arrangements fit your business, whether you operate one location, an online channel or a network of locations.

  1. 01

    New agreements and renewals

    Review the proposed arrangement alongside your current payment needs. For a renewal, consider the existing agreement, renewal date, notice period and the terms you want to discuss.

  2. 02

    Pricing and commercial terms

    Consider proposed pricing alongside your current statements and other provider proposals. A useful negotiation starts with a clear understanding of the costs and commercial tradeoffs.

  3. 03

    Settlement and service expectations

    Bring operating needs into the conversation: payment channels, locations, settlement expectations and the service commitments that matter to your business.

Your starting point

Prepare for a useful conversation.

A first conversation starts with the decision you need to make. These details can help frame a review:

  • Your current agreement or proposed merchant agreement
  • Your renewal date and notice period, if applicable
  • Recent processing statements and provider proposals
  • Your payment channels, locations and service priorities

John Pagliaro brings leadership experience from Moneris, RBC, American Express and Bytemark to payment consulting. Meet John.

Common questions

Questions about this service

Can you help with an existing provider’s renewal?

Yes. JSP Consulting supports both new merchant agreements and renewals, including commercial analysis and negotiation support. The starting point is understanding the existing arrangement and the pricing or service terms you want to improve.

Does the review cover more than processing rates?

Yes. The published service includes commercial terms, settlement and service expectations, as well as pricing. Provider selection and contract review can also form part of the broader payment decision.

Is this service available across Canada?

JSP Consulting is based in Toronto, Ontario, and advises Canadian businesses of different sizes, including small businesses, large enterprises and operators with multiple locations.

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Let’s start a conversation

A better decision
starts with a conversation.

Tell me a little about your business and the payment challenge you’re working through.

Toronto, Ontario
Advising businesses across Canada