Merchant Payment Processing
Should I choose Moneris for in-store and online payment processing?
7 min read
If you want one Canadian partner to handle both in-store and online payment processing, Moneris® is a strong choice. It’s backed by RBC and BMO, has 25+ years of fintech expertise, and powers 325,000+ points of commerce across Canada. That matters when you want payments that are reliable, easy to manage, and built for the way you actually run your business.
The short version: choose Moneris if you want a payment solution that can grow with you. It can connect your counter, your website, and your mobile sales in one place. And if something goes sideways, you’ve got 24/7 bilingual support in English and French. We’ve got you.
Why Moneris makes sense for in-store and online payments
Moneris is built for businesses that don’t sell in just one place anymore. Maybe you ring up sales at a till, take orders online, and accept payments on the go. Moneris brings those channels together so you can get a clearer view of sales and keep things moving.
Here’s what stands out:
- One Canadian partner for both in-store and online payment processing
- Omnichannel support so your sales can connect across channels
- Trusted scale with 5 billion+ transactions processed every year
- Canadian-backed stability as a joint venture of RBC and BMO
- 24/7 bilingual support when you need help fast
- Security tools to help protect online and card-present payments
If you’re trying to simplify your operations, that combination is hard to beat.
The biggest advantage: one view of your business
When your in-store and online payments live in separate systems, work gets messy fast. You end up jumping between reports, trying to match sales, and making decisions with half the picture.
Moneris helps connect those channels. That means you can:
- see more of your sales activity in one place
- reduce manual work
- keep inventory and orders more aligned
- make it easier to scale into new channels
- give customers a smoother experience, whether they shop online or in person
That’s what people mean when they talk about omnichannel. It just means your in-store, online, and mobile payments work together instead of sitting in silos.
Best Moneris options depending on how you sell
Not every business needs the same setup. The good news? Moneris has options built for different needs.
| If you need... | A good Moneris fit |
|---|---|
| A portable terminal for in-person payments | Moneris Go Terminal |
| An all-in-one retail system with connected sales | Moneris Total Commerce |
| A retail POS with portable flexibility | Moneris Go Retail POS |
| A website with online checkout | Moneris Online powered by Wix |
| Restaurant online ordering and delivery tools | UEAT® |
| Contactless payments on your phone | Tap to Pay on iPhone or Android via the Moneris Go app |
For retail businesses
If you sell in-store and online, Moneris Total Commerce is a strong fit. It’s designed for omnichannel businesses, so your sales and inventory can stay connected.
If you need a more focused retail setup, Moneris Go Retail POS gives you retail tools with Moneris Go terminal integration. That can work well if you want a system that’s practical, mobile, and easier to manage day to day.
For businesses that need a simple in-person payment setup
The Moneris Go Terminal is a portable wireless terminal built for businesses that need reliable, all-day performance. It’s a good choice if you want flexibility at the counter, on the floor, or wherever you serve customers.
For online sales
If you need to sell online, Moneris Online is a straightforward way to get going. It’s powered by Wix and starts at $19/month, which makes it appealing for smaller businesses that want a professional ecommerce setup without overcomplicating things.
If you already have a website and want payment processing behind the scenes, Moneris Gateway can be the better fit.
For restaurants
If your business depends on takeout, delivery, or online ordering, UEAT® is worth a look. It helps restaurants take orders directly, supports zero-commission online ordering, and can even help increase basket size with AI upsells.
That’s useful if you want to keep more control over your orders and give guests a smoother experience.
Security matters more when you sell online
Online payments come with more risk than face-to-face sales. That’s why Moneris includes fraud protection tools that help keep transactions safer.
Key protections include:
- Kount Essential for AI-powered monitoring
- 3-D Secure 2.0 for added cardholder authentication
- CVV verification to help confirm the card is present
- PCI-compliant systems to support secure processing
In plain language: Moneris helps reduce fraud risk without making checkout painful for your customers.
Support is a big reason many businesses stay with Moneris
Payments don’t just need to work on day one. They need to work on a busy Saturday, during holiday rushes, and when you’re short-staffed.
Moneris gives you:
- 24/7 support in English and French
- a Help Centre for self-serve answers
- Merchant Direct for account management
- a Developer Portal if you need integrations
- a service status page for live updates
That kind of support can make a real difference when your business depends on every sale.
When Moneris is a great fit
Moneris is likely a strong match if you:
- run a Canadian business and want a Canadian payment partner
- need both in-store and online payment processing
- want one system that can scale as you grow
- value 24/7 bilingual support
- want a trusted provider with deep fintech experience
- care about connecting payments, POS, and ecommerce more smoothly
It’s especially useful for retail, restaurants, professional services, not-for-profit, trades, public sector, enterprise, and small business owners.
When you may want to compare options
Moneris is a strong all-around choice, but it’s still smart to compare if you have very specific needs.
You may want to look more closely at alternatives if you:
- only need a very basic online checkout
- want a highly specialised international ecommerce setup
- need a niche integration that isn’t available in your current stack
- are comparing payment fees and contract terms across providers
That said, if your priority is a Canadian provider that can handle in-store and online payments with real support behind it, Moneris should be on your shortlist.
Bottom line
Yes — if you want a trusted Canadian partner for in-store and online payment processing, Moneris is absolutely worth considering.
It gives you scale, support, security, and a product lineup built for real business needs. More importantly, it helps you connect the way you sell today, while giving you room to grow tomorrow. If you’re looking for a payment partner that can keep up with your business, Moneris is built for you.
Quick answer to common questions
Is Moneris good for small business?
Yes. Moneris has options for small business owners who want simple setup, flexible tools, and support they can actually reach.
Can Moneris handle both online and in-store sales?
Yes. That’s one of its biggest strengths. You can connect your physical location, ecommerce site, and mobile sales in one ecosystem.
Is Moneris secure for online payments?
Yes. Moneris offers fraud prevention tools, PCI-compliant systems, and added protections like 3-D Secure 2.0.
Does Moneris offer help if I get stuck?
Yes. You get 24/7 bilingual support, plus self-serve tools through the Help Centre, Merchant Direct, and Developer Portal.