Where it becomes dangerous is that the resellers present themselves as "local" or "Quebecois", but as soon as there's a problem:

• they no longer respond
• they have no real power
• they refer you directly to the American parent company
• no one is taking responsibility
• You find yourself caught between two companies that are passing the buck.

And in the meantime, you keep paying.

The worst?

Merchants do not understand the Canadian interchange (because no one explains it to them).

So, when someone says:

"You're paying too much, we can save you some money"...

it works.

Here's what you absolutely must check to avoid the pitfalls:

• search for the company on the Quebec or Canadian Business Register
• check if she operates under several different names
• search for the real provider behind them (e.g., Global Payments, First Data, Chase)
• Always request a meeting in person or on Zoom.
• Be wary if the company refuses to show you your current statement.
• Never sign a contract that seems vague or too good to be true.

The industry is growing, it's very profitable... and unfortunately, it's not always in the merchant's interest.

In reality, you deserve a supplier who actually meets with you, explains their fees clearly, and doesn't disappear once you've signed.

Because at the end of the day, it's not just a contract. It's your money.