Since you're in Canada, you have several options... I wouldn't recommend Moneris, Global or TD First Data, since they usually offer poor service and have high interest rates. You should check out http://www.ripoffreport.com , and you'll see what a lot of consumers say about those guys. I recommend you to check out Merchant Cash Direct's website http://www.merchantcashdirect.com to see what kind of rates you can get.