Worldline is a France-based global payments company — and one of the hardest for a Canadian small business to price. There is no Canadian merchant rate card. The public documents are terms-and-conditions PDFs and enterprise acquiring FAQs. After checking every official channel, the verified reality is simple: Worldline's Canadian pricing is quote-only, stated in its own April 2026 merchant terms — "the applicable Fees are specified in the Contract or otherwise agreed in writing between the Parties." This guide prices what can be priced, maps the brand confusion, and gives you the questions that force a real number out of a sales rep.
What Worldline actually sells in Canada
Worldline's acquiring business serves banks, payment providers, and large merchants — its own comparison listings describe the audience as banks, lenders, and software suppliers, not corner stores. For a Canadian SMB, the practical Worldline channel is Bambora, the Worldline-owned brand whose support team serves Canadian customers. Ingenico is the third name in the tangle: the terminal brand whose reviews sit alongside Worldline's — you'll meet it on hardware, not on pricing. If you're a small business talking to "Worldline," you're almost certainly talking to Bambora's sales operation.
The pricing reality, verified
Worldline's acquiring FAQ describes the cost components honestly — scheme fee and interchange set by the networks, an acquirer service charge, potential gateway fees, monthly minimums, and PCI compliance — offered either blended into one service charge or separated as Interchange++. But no rates attach to any of it. The terms document confirms fees are per-payment-method, per-transaction, as a percentage, a fixed amount, or both — and that refunds, chargebacks, and authorisation renewals each bill as independent transactions. Everything else lives in the contract you'll be asked to sign. That is the entire public pricing picture, and verifying its emptiness is the point: any "Worldline rate" you see quoted online without a contract behind it is not a Worldline rate.
What published numbers exist: Bambora's last public rates
The closest thing to a Worldline Canada price list is Bambora's last published one — and even that has been pulled from Bambora's site, which now routes prospects to sales staff. The last public figures, preserved by reviewers:
| Processor / plan | Online rate (Canada) | Monthly fee | Status |
|---|---|---|---|
| Bambora Ready (last published) | 2.80% + 30¢ | $25 | Pulled — quote only now |
| Stripe | 2.9% + CA$0.30 | $0 | Published |
| Square | 2.8% + 30¢ | $0 | |
| Worldline direct | Quote only — no public card | Verified | |
Bambora's last public plan also carried a $49 setup fee and $20 per chargeback, and advertised month-to-month terms through TD Bank with no early termination, statement, or monthly minimum fees. Treat all of it as historical context for your negotiation, not a current offer.
The five questions that get you a real quote
- Which brand am I contracting with? Worldline, Bambora, or a reseller — the contract terms and support line differ.
- Blended or Interchange++? Worldline offers both; get the structure named before any rate.
- What is the all-in effective rate on my mix? Hand them a real month of volume and make them compute it — not the headline rate.
- Name every monthly fee. Gateway, PCI, minimums, statement — the FAQ admits all of them can exist.
- What does exit cost? Get the termination clause and any equipment obligations in writing before the rate discussion goes further.
What merchants report
Direct merchant reviews of Worldline Canada are thin — itself a finding. The available record is mixed and contradictory: one review page shows both a 1.6-star Trustpilot average and a 4.5-star Trustpilot rating from 270 reviews on the same page, presented without reconciliation, and the company holds no BBB profile. Historical grievances cluster around POS terminal malfunctions from the Atos Worldline era — roughly a half-dozen reports — which reportedly pushed Worldline's strategy away from physical point-of-sale. For a processor of this size, the absence of a clear Canadian SMB review trail is the review.
Who should consider Worldline — and who shouldn't
Consider it if you're a larger or multi-channel business that will actually negotiate an Interchange++ contract and can use the omnichannel acquiring platform (POS, e-commerce, marketplaces under one roof). Skip it if you want a published price, a self-serve signup, or a quick comparison — every one of those needs is better served by Stripe, Square, or Helcim, whose numbers are public and checkable today. And if a sales rep quotes you a "Worldline rate" verbally, remember the terms: the only rate that exists is the one written into the contract.
A note on steps: this is a pricing explainer, not a setup procedure — the question list above is the actionable part.
FAQ
Does Worldline publish Canadian merchant rates?
No. Its own April 2026 merchant terms state fees are specified in the contract or agreed in writing. No CAD merchant rate card exists on any official channel we checked.
Is Bambora the same as Worldline?
Bambora is a Worldline-owned brand and the practical SMB channel in Canada — Canadian customers are served by Bambora's support team. Contract with whichever entity is named in your agreement; the terms follow the name.
What did Bambora's last public pricing look like?
The pulled "Bambora Ready" plan was last documented at 2.80% + 30¢ for Canadian card-not-present transactions, $25/month, $49 setup, $20 per chargeback, advertised as month-to-month with no early termination fee. Historical context only — confirm current terms in a quote.