B2B Payments
Accept cards. Eliminate fees. Embed anywhere.
Payment infrastructure built for B2B — not retail. Card acceptance, a compliant surcharge program that cuts processing costs to zero, and embedded payment rails for software platforms. From a Canadian MSB with 14 years of B2B experience.
Talk to us about paymentsCard, EFT, and ACH — without stitching vendors together
Virtual terminal for phone payments. Payment links for email invoices. Hosted pages for your website. Canadian EFT and US ACH for bank-to-bank. All on one set of rails, one contract, one login.
- Virtual terminal — take card payments over the phone
- Payment links — send a link, client pays online
- Hosted payment pages — branded, on your domain
- Recurring billing and payment schedules
- EFT (Canada) and ACH (US) for bank-to-bank
- Real-time status, reporting, and reconciliation
A compliant surcharge program that cuts processing costs to zero
Clients who pay by credit card see a 2.34% surcharge disclosed at the point of sale. Interac costs them nothing extra. You keep 100% of what you invoice. Compliant in every Canadian province — card-present and card-not-present.
- 2.34% surcharge disclosed at point of sale — compliant in every province
- Zero surcharge on Interac — customers always have a free option
- Card-not-present surcharging for phone and online payments
- Card-present surcharging via Clover terminal with built-in disclosure flow
- Simple monthly fee — no per-transaction credit card processing costs
- Works alongside your existing billing and AR setup
Payment rails inside your software product
API and SDK access to our payment infrastructure. White-label payment flows that live entirely inside your product. Card, EFT, and ACH in a single integration, with the EFT enablement that our Canadian MSB registration makes possible.
- REST API and SDK access to payment rails
- Card, EFT, and ACH in a single integration
- White-label payment flows that live inside your product
- Webhook events for the full payment lifecycle
- Sandbox environment for development and testing
- Canadian MSB registration — EFT enablement most vendors can't offer
The surcharge program
Credit card fees are optional. Most businesses just don't know it.
A compliant surcharge program shifts the cost of credit card processing to the cardholder — legally, transparently, with Interac always free as an alternative. We implement it on Clover for card-present practices, and through our gateway for card-not-present billing. Law firms, dental practices, professional services — anywhere credit card acceptance has been silently eroding margins.
Why Baseline for payments?
Canadian MSB registered
We're a registered Money Services Business. That's what lets us offer EFT enablement that most payment vendors — and most Esker partners — can't.
The same team as your AR
If Baseline automates your AR, we handle the rails the cash flows on. One team owns the outcome, end to end. No second vendor, no finger-pointing.
No long-term lock-in
Competitive rates, no punishing exit clauses. We keep clients because the service is good, not because leaving is painful.
Ready to talk payments?
Book a 15-minute call. We'll walk through your current setup — whether that's card acceptance, surcharging, or embedded payments — and tell you honestly what fits.
Want to see if there's a fit with Baseline?
Book a 15-minute discovery call. We'll talk through your AR roadblocks and tell you honestly whether we're the right team to help. Most finance leaders know within one call.
Book a 15-min discovery