In the world of payments, there is a reality that too few merchants know: the majority of large companies, especially American ones, take a lot... but never give back.

Billions leave Quebec every year to enrich giants abroad, while nothing comes back to our cities, our businesses, our local networks.

At Monark Solutions, we decided that this model no longer made sense.

• We realized that we can do much better.
• We can create a movement.

Why the circular economy is essential today

A strong local economy means a strong community.

And a strong community is not built with multinationals that siphon money from merchants.

It is built when the money stays here, circulates here, helps the people here.

The circular economy enables several essential things:

• protect local wealth
• supporting businesses, associations and cities
• to create a positive snowball effect throughout the region
• building an ecosystem where everyone wins
• reduce dependence on large foreign companies
• to create a more humane, more stable, more equitable network

When a dollar circulates within its own community, it has up to eight times more impact.

That's huge.

How Monark is applying the circular economy to the payments sector

In our industry, nobody does that.

No one redistributes to merchants, local organizations, chambers of commerce, or associations.

No one, except us.

Here's how we change the way things are done:

• We collaborate with chambers of commerce, associations, cities and organizations here.
• Part of the revenue generated is directly returned to these partners, to support their members and strengthen the local ecosystem.
• Every business that trusts us helps enrich its own community.
• The profits go to the merchants, not to a foreign multinational.
• We create a virtuous cycle where money circulates, nourishes and grows here.

It's not just business. It's a vision.

Why this matters to merchants

Because instead of sending their processing fees to an American company that doesn't know them, merchants contribute to:

• strengthen their own local economy
• supporting other Quebec entrepreneurs
• to create a more stable and prosperous community
• encourage innovation here
• to build a network of solidarity and mutual support

This is not just a change of supplier.

It's a cultural shift.

A vision for the future

We want to be the first company in the industry to build a smarter, more humane, and more sustainable model. A model where the success of one merchant contributes to the success of the entire community. A model that inspires other businesses to give back, share, and create a fairer balance.

We choose to start the ball rolling. But we sincerely hope that others will follow.

Because the circular economy is not just a strategy. It's a way of thinking about the world differently.