Head to head
Compared side by side on published facts and the same six criteria every review is graded on — generated from the live directory, not a sales page.
Moneris
Payment Processor · 2.8/5 mean
Moneris is Canada’s largest payment processor, providing point-of-sale systems, ecommerce payment gateways, and mobile payment solutions for businesses across Canada through a joint venture owned by Royal Bank of Canada and Bank of Montreal.
Read the full review →Stripe
Payment Processor · 4.5/5 mean
Stripe is a leading payment processor known for its developer-friendly API, transparent pricing, and comprehensive suite of payment solutions for businesses of all sizes.
Read the full review →Stripe holds the higher standing — by grade, then mean category score. The row-by-row picture below is what should actually decide it for your business.
Both graded against the same six criteria. How we grade · Last fact-checked August 19, 2026.
| Criterion | Moneris | Stripe |
|---|---|---|
| Pricing transparency | 2.0 | 5.0wins this criterion |
| Feature set | 4.0 | 5.0wins this criterion |
| Ease of use | 3.0 |
Straight from each provider's published documentation. Where a number isn't published, we say so rather than estimate.
| Metric | Moneris | Stripe |
|---|---|---|
| Online rate | 2.4% to 3.5% + per transaction fee | 2.9% + $0.30 |
| Monthly fee | often $10 to $50+ | No monthly fees |
| Payout | Typically 1 – 2 business days | First payout 7-14 days; then a rolling schedule of about 2 business days |
| Contract | Commonly 1 to 3 years, sometimes longer for equipment deals | No long-term fixed contract requirements for standard services / 1-year minimum commitment for add-ons and enterprise services |
| In-person rate | 1.4% to 2.5% + per transaction fee | 2.7% + $0.05 |
| Keyed rate | 2.5% to 3.9% + per transaction fee | Not disclosed |
From the Moneris review
Stripe's clean APIs, transparent flat-rate pricing, and lack of long-term contracts suit the high-growth online platforms Moneris itself does not target. Moneris still holds up for Canadian brick-and-mortar businesses that want Interac debit, in-store hardware, and the backing of RBC and BMO under one provider.
Pick Stripe if you are building an online platform or SaaS business on developer-first APIs
Ideal for
Not recommended for
Ideal for
Not recommended for
The full reviews carry the pricing narratives, contract analysis and everything else behind these numbers — or let the matching funnel score the whole directory against your business.
| 4.0wins this criterion |
| Customer support | 3.0 | 4.0wins this criterion |
|---|
| Contract terms | 2.0 | 5.0wins this criterion |
|---|
| Industry reputation | 3.0 | 4.0wins this criterion |
|---|
| International rate | higher than domestic rates, often +1% or more | +1.5% + ~1% for conversion |
|---|
| PCI fee | $5 to $30 monthly | No separate PCI fee |
|---|
| Statement fee | $5 to $15 monthly | No monthly statement fee |
|---|
| Chargeback fee | $15 to $25 per dispute | $15 per chargeback |
|---|
| Early termination | can range from $100 to several hundred dollars or remaining contract obligation | No early termination fee under the pay-as-you-go model |
|---|
| Last fact-checked | August 19, 2026 | August 19, 2026 |
|---|