01 · Shopify order
Order #10482
$1,000.00 · Alder Supply
North Rail linked
Made for Canadian commerce
Keep more of every sale.
North Rail lets Canadian merchants offer bank payments for their highest-value orders—without losing the clarity, confidence, or operations they expect from checkout.
Explore the product60–80%
less in payment fees
$6
cap on a $1K order
CAD
built for Canada
Merchant margin, in motion
The payment option that makes your margin feel protected.
North Rail turns bank payment into a thoughtful alternative at checkout—and brings the payment operations behind it into one calm, connected place.
See the payment flownorth rail
Alder Supply Co.Today's payments
A
A. Foster
#10482
$1,240.00
Settled
M
M. Laurent
#10481
$685.00
Confirmed
S
S. Roy
#10480
$2,100.00
Settled
Settlement preview
$3,892.75
Estimated next payout
Gross payments$4,025.00
North Rail fees−$32.25
Refunds−$100.00
Ready to reconcile
One payment. Five precise states.
Pull the payment apart. Nothing gets lost.
02 · Bank authorization
Buyer approved
Consent captured · Secure handoff
North Rail linked
03 · Order confirmation
Safe to fulfill
North Rail payment nr_10482
North Rail linked
04 · Reconciliation ledger
Fee capped at $6.00
Order, fee, refund and settlement linked
North Rail linked
05 · Merchant settlement
$994.00 scheduled
Reconciled · CAD settlement
North Rail linked
Scroll through the payment record
Make the expensive order the easy yes
Fees should not rise endlessly with your best sales.
The higher the order value, the clearer the conversation: reward the customer for using bank payment and keep the rest of the upside.
Your cap becomes the story
Margin recovery rises with order value.
$2
$100$11
$500$22
$1KOn a $1,000 order
Typical card payment$28.30
North Rail Momentum$6.00
$22.30 back
More room to fund an incentive, protect profit, or simply stop overpaying for the transaction.
Pricing that stops climbing
Pick the cap that fits your payment program.
Every tier combines a small transaction fee with a hard cap. The result: the economics get stronger as your order values rise.
Launch
0.8% + $0.25
per successful payment
Fee cap$8.00
Monthly platform fee$0 / month
For early tests and smaller payment programs.
Most popular
Momentum
0.6% + $0.20
per successful payment
Fee cap$6.00
Monthly platform fee$49 / month
For high-AOV merchants moving meaningful volume.
Enterprise
0.45% + $0.15
per successful payment
Fee cap$5.00
Monthly platform fee$199 / month
For wholesale, invoices, and negotiated terms.
Interactive fee calculator
See the fee before you choose the rail.
$CAD
Illustrative CAD estimate. Card comparison uses 2.8% + $0.30; BNPL uses 5.5% + $0.30. Actual third-party pricing varies by provider, card type, and merchant plan.
Momentum on $1,000
$6.00
North Rail transaction fee
Saved vs card
$22.30
North Rail
0.6% + $0.20, capped at $6.00
$6.00
0.60% of order
Typical card payment
2.8% + $0.30 estimate
$28.30
2.83% of order
BNPL / monthly payments
5.5% + $0.30 estimate
$55.30
5.53% of order
On this transaction, North Rail keeps $22.30 in merchant margin compared with the card estimate.
The monthly platform fee is separate and shown on the selected plan card above.
A better payment path
A lighter checkout. A stronger back office.
01
A payment method buyers understand
A clean, hosted bank-payment experience that slots into the moment a buyer is already ready to pay.
02
Savings customers can see
Share a portion of the fee reduction as a discount, free shipping, or store credit—and still recover margin.
03
Every dollar reconciled
North Rail links payment, order, fee, refund, settlement, and export so finance never has to make a spreadsheet guess.
North Rail, plainly
Questions worth answering before you change a payment flow.
The short version of what North Rail is, where it fits, and how its capped-fee model works.
What is North Rail?
North Rail helps Canadian merchants offer capped-fee bank payments for high-value orders while keeping the payment, order, fee, refund, and settlement record connected.
How do North Rail's payment fees work?
Each North Rail plan combines a percentage and fixed transaction fee with a minimum and a hard cap. The cap keeps the transaction fee from continuing to grow with order value; monthly platform fees, where applicable, are separate.
Which payments are a good fit for North Rail?
North Rail is designed for high-value ecommerce orders, payment links, invoices, deposits, wholesale transactions, and repeat purchases where payment costs matter most.
Does North Rail replace every card checkout?
No. North Rail is designed to add a bank-payment option where its economics are strongest, rather than claiming to replace every card payment flow.
Built deliberately
North Rail is building bank payments with a provider-led, risk-aware rollout—not making promises that payment infrastructure cannot keep.