Bambora is the name Canadian small businesses actually meet when they meet Worldline: the Worldline-owned brand whose support team serves Canadian customers. Its reputation is unusually clean — the Better Business Bureau profile (merged with Worldline) holds an A+ with zero complaints on file, and reviewers award it an "A" for support. The catch is pricing: Bambora's website no longer promotes its old public plans, and now routes prospects to sales staff. This guide preserves the last published Canadian rates with their dates, maps why quotes vary by door, and works the math.
The last published Canadian rates (dated)
Bambora's last public plans were "Bambora Ready" for small and mid-size e-commerce and "Bambora Advance" for enterprise. Reviewers preserved the figures before the pages came down:
| Plan | Canadian rate | Fees |
|---|---|---|
| Bambora Ready (last published) | 2.80% + 30¢ card-not-present | $49 setup, $25/month, $20 per chargeback |
| Bambora Advance (last published) | Custom monthly + interchange-plus | Quoted per business |
| Pay-As-You-Go (third-party table) | 2.65% swiped; 2.80% + 30¢ card-not-present | No setup, no monthly, no minimum, no termination fee |
Treat every figure above as historical context, not a current offer — the plans are pulled and current rates are customized by risk, volume, and industry. Their value is as a negotiation anchor: if your quote comes back worse than the last public card, ask why.
The TD partnership: month-to-month with no ETF
Bambora's standout feature isn't a rate — it's the contract. Through the TD Bank relationship, Bambora advertises month-to-month agreements with no early termination fees, no statement fees, and no monthly minimum fees, and reviewers found those claims consistent with the merchant agreement. In an industry where three-year terms and $495+ exit fees are standard, that is genuinely rare. An old merchant-application schedule (2019, historical reference only) shows the same DNA: gateway $49 setup and $10/month, Visa/MC at 2.65% + 15¢, $25 chargebacks.
Your quote depends on the door you enter
Bambora sells through partners, and partner pages quote different packages for the same underlying service. Bambora's own partner subdomain shows the spread: one partner page lists a Merchant Account + Payment Gateway at 2.45% + 7¢ with $0 monthly and $0 setup for Canada; another shows 2.95% + 15¢ with $15/month and $49 setup; a third shows 3.25% + 20¢ with $10/month and $25 setup. Canada-domicile USD settlement packages run higher still. The lesson: never accept the first Bambora-family quote — the variance between partner doors is larger than the variance between processors.
Worked math: $20,000/month online
The setup: $20,000/month online, $80 average ticket (~250 transactions).
Bambora Ready, last published: $20,000 × 2.80% = $560, plus 250 × $0.30 = $75, plus $25. Total: ~$660/month.
Best partner-door package (2.45% + 7¢, $0/$0): $490 + $17.50 = ~$508/month.
Stripe (2.9% + 30¢): $580 + $75 = $655/month.
Square online (2.8% + 30¢): $560 + $75 = $635/month.
The takeaway: the last public Bambora card priced like Stripe and Square — the partner-door variance is where the real savings (or the real overpay) live. And the month-to-month, no-ETF terms remain the structural advantage even when the rate ties.
What merchants say
The review record is thin but clean: zero BBB complaints, an "A" support rating from the deep-dive reviewers, and no public pricing to argue about — which cuts both ways. The consistent praise is for contract fairness (month-to-month, no termination fee); the consistent complaint about the company is the retreat from transparent pricing. No dated, named Canadian merchant reviews with fee specifics surfaced in our research — a gap worth noting, not filling.
- Collect two Bambora-family quotes through different partner doors — the spread can exceed $150/month at $20k volume.
- Anchor on the last public card: 2.80% + 30¢ Canada card-not-present, $25/month. A worse quote needs a reason.
- Confirm the TD terms in writing: month-to-month, no ETF, no minimums — get the current agreement's version.
- Ask for interchange-plus on Advance-style quotes. The enterprise tier historically offered it on request; tiered pricing is where margins hide.
A note on steps: this is a pricing review, not a setup procedure — the checklist above is the actionable part.
FAQ
What does Bambora charge in Canada now?
Current pricing is quote-only — the public plans were pulled. The last published Canadian card-not-present rate was 2.80% + 30¢ ($49 setup, $25/month, $20/chargeback); partner-door packages vary widely. Get competing written quotes.
Does Bambora have contracts or termination fees?
Through the TD Bank relationship, Bambora advertises month-to-month agreements with no early termination, statement, or monthly minimum fees — verify the current agreement says the same before signing.
Is Bambora the same as Worldline?
Bambora is a Worldline-owned brand and the practical SMB channel in Canada. Worldline's direct pricing is also quote-only.