MOBOPAY® Interchange-Plus Payment Processing for Canada & the U.S.
MOBOPAY is a Canadian and U.S. payment processing company providing transparent interchange-plus merchant services, Clover POS systems, payment gateways, and high-risk merchant accounts. We help businesses accept payments in-store, online, and on the go with clear pricing, fast funding (on approval), and real human support.
Whether you run a local restaurant, a taxi company, an eCommerce brand, or a subscription offer, our job is simple: keep you processing, keep you funded, protect your reputation, and explain everything in plain language.
Who MOBOPAY Is Built For.
If you just want “set it and forget it” 2.65% and a support ticket number, we are probably not your processor. MOBOPAY is for merchants who care about margins, stability, security and having someone in their corner.
Local & In-Person Businesses
Restaurants, cafés, bars, retail, taxis, salons, trades, clinics — anyone taking cards face-to-face.
- Clover Flex 4 and countertop smart terminals
- Tap, chip & PIN, Interac & mobile wallets
- Next-day funding (on approval)
E-Commerce & Online Brands
DTC e-commerce, funnels, digital products, membership sites and recurring billing.
- Gateways, hosted payment pages and NMI
- Subscription & continuity billing support
- Shopify, WooCommerce & API integrations
High-Risk & Hard-to-Place
Nutra, supplements, coaching, courses, continuity, info products and other models banks label “difficult”.
- Underwriting strategy and compliance guidance
- Rolling reserves when needed — explained upfront
- Chargeback planning, RDR & monitoring tools
Why Businesses Choose MOBOPAY (and Stay)
We are not focused on being the lowest-cost option on paper. Our priority is long-term stability — keeping your account active, funds flowing, risk controlled, and communication clear.
We also specialize in regulated and complex business models. If your operation requires deeper underwriting, reserve structures, or dispute mitigation, learn more about our specialized high-risk solutions.
Transparent Interchange-Plus Pricing
Wherever possible, we use interchange-plus. You see what Visa/Mastercard charge and what we charge.
Real Support, Not a Call Center
When something goes wrong, you get a real human. Our merchants have direct access to Moise for urgent situations.
- Phone support during business hours
- Email support with real underwriting context
- Help with terminals, payouts and disputes
Risk, Chargebacks & RDR
Approvals are not just forms — they are about how your offer is structured and how you handle disputes.
- Rolling reserve and limit planning
- Descriptors & billing cycle recommendations
- Chargeback tools including RDR and monitoring
Canada & U.S. Coverage
We help structure processing so you’re not constantly fighting your bank over cross-border traffic.
PCI & Security Focused
We care about protecting cardholder data and your brand.
- PCI compliance guidance and reminders
- Secure gateways, tokenization and encryption
- Help avoiding common security pitfalls
Clover & Smart Terminals
We deploy hardware that fits how you actually take payments.
- Clover Flex 4 for handheld & mobile
- Clover Station and countertop devices
- Lease-to-own and rental options
