CELER means swift. The name is the promise.
Fast analysis, fast approvals, fast funding, fast answers. In an industry that profits from delay and confusion, moving quickly is a competitive position.
The statement is the whole problem
Merchant processing statements are not confusing by accident. Bundled tiers, invented fee names, pass-throughs that are quietly marked up, and a headline rate that applies to a minority of your transactions. The complexity is the product.
CELER Merchants was founded in 2019 on a boring idea: read the statement out loud to the merchant. Name every fee. Say who collects it. Say which ones can be removed and which ones nobody can remove. Then go and get a better number.
We are an agent, and that is the point
We are not a processor and we are not owned by one. We work with acquirers, processors, gateways and POS vendors across Canada and the United States, and we take your account to whichever of them fits it. They compete; you choose; we set it up and stay on it.
You pay us nothing. The provider you select compensates us out of the processing margin, monthly, for as long as you stay. Because that compensation works the same way whichever provider you pick, we have no reason to steer you — and because it only continues while you remain a client, keeping your pricing honest is self-interest rather than goodwill.
What that means in practice
No long-term contracts, because a term is what a provider needs when the pricing cannot hold on its own. No PCI fees, no statement fees, no monthly minimums, no equipment leases. Quarterly re-pricing whether or not you ask. And a named person who answers the phone at any hour — which sounds minor until it is 2am on a Saturday and your terminal is down.
What we will never do
- Sell a non-cancellable 48-month equipment lease
- Charge a PCI non-compliance fee
- Quote a teaser rate that applies to 20% of your volume
- Bury liquidated damages in an auto-renewal clause
- Tell you that you are overpaying when you are not
How we get paid
A fixed markup over interchange, disclosed on your agreement in basis points. That is the entire model. We do not take a cut of equipment leases we did not sell you, and we do not earn more when your transactions downgrade.
Four rules we run the business by
Name the fee
Every line gets identified and attributed. If we cannot explain a charge, it should not be there.
Earn the month
Month-to-month terms only. Retention should come from performance, not paperwork.
Answer the phone
A named expert per account. Support is not a tier you buy.
Say no clearly
If we cannot beat your current pricing, we say so in writing and you keep the analysis.
Every fee named in 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.