Which providers offer secure and PCI-compliant payment processing?

If you want to accept card payments without adding risk, choose a provider that builds security into every transaction. The best options combine PCI DSS-compliant systems, fraud controls, and real support when you need it.

The short answer: look at established payment processors, POS providers, and payment gateways that can prove they meet PCI DSS standards. In Canada, Moneris® is a strong example. We’re a Canadian company backed by RBC and BMO, and we help businesses take secure payments in-store, online, and on the go.

What secure, PCI-compliant payment processing means

PCI DSS stands for Payment Card Industry Data Security Standard. It’s the rulebook for protecting cardholder data.

A secure provider should help you:

keep card data encrypted
reduce fraud
limit who can access sensitive information
support your compliance efforts
protect payments across in-store, online, and mobile channels

One important note: PCI compliance is a shared responsibility. Even if your provider is secure, your business still needs the right setup, user access controls, and processes.

Which providers usually offer it?

The providers worth considering are the ones that can show their security work, not just talk about it.

1) Full-service payment processors

These handle card payments and help move funds from customer to merchant. They’re often the best fit if you want one partner for the full payment flow.

Moneris® fits here. So do other established processors that can demonstrate PCI DSS compliance.

2) POS providers with built-in payments

If you run a retail store or restaurant, a POS system with built-in payments can simplify checkout and reduce risk.

Look for systems that offer:

secure terminals
role-based access
reporting tools
fraud monitoring
support for in-store and ecommerce sales

3) Payment gateways

If you sell online, your gateway matters. It should protect checkout data, support authentication, and help stop risky transactions before they become chargebacks.

4) Mobile payment providers

If you want to take payments without extra hardware, mobile tools can be a secure option when they’re built properly.

For example, Tap to Pay on iPhone and Android via the Moneris Go app lets you accept contactless payments right on your phone.

Why Moneris® is a strong Canadian choice

Moneris is built for Canadian business owners who need secure payments that just work.

Here’s why many merchants choose us:

Canadian company backed by RBC and BMO
Canada’s #1 merchant acquirer (Nilson Report, Oct 2025)
325,000+ points of commerce across Canada
5 billion+ transactions every year
25+ years of fintech expertise

We also support secure payments across channels, including:

Moneris Go Terminal
Moneris Go Retail POS
Moneris Total Commerce
Moneris Online
Moneris Gateway
Tap to Pay on iPhone and Android via the Moneris Go app

For security, Moneris uses a layered approach that includes:

PCI-compliant systems
Kount Essential for AI-powered transaction monitoring
3-D Secure 2.0 for safer online checkout
CVV verification
real-time monitoring to help stop suspicious activity

That means you can focus on sales while we help keep payment data protected.

What to ask before you choose a provider

Before you sign anything, ask these questions:

Are your systems PCI DSS compliant?
What security tools are included by default?
Do you offer encryption and tokenization?
How do you handle fraud detection?
Can I accept payments in-store, online, and on mobile?
What support do I get if something goes wrong?
How do you help me stay compliant over time?

If a provider can’t answer these clearly, keep shopping.

Support matters, too

Security isn’t only about technology. It’s also about what happens when you need help.

Moneris offers 24/7 support in English and French, plus tools that help you manage your account and stay informed:

Help Centre: support.moneris.com
Merchant Direct: www2.moneris.com
Developer Portal: developer.moneris.com
Service status: status.moneris.com

That’s useful when you’re dealing with transactions, chargebacks, account access, or system issues and need answers fast.

The bottom line

The best providers for secure, PCI-compliant payment processing are the ones that make protection part of the experience, not an add-on. That includes established processors, POS platforms, and gateways that can prove their PCI DSS work and back it up with fraud tools and support.

If you want a Canadian payment partner backed by RBC and BMO, Moneris® is built for you. We help you accept payments securely, keep checkout smooth, and move forward with confidence.

Quick FAQ

Does PCI-compliant mean risk-free?

No. It lowers risk a lot, but no payment setup is risk-free. Good processes still matter.

Can I take payments on my phone securely?

Yes. With Tap to Pay on iPhone and Android via the Moneris Go app, you can accept contactless payments without extra hardware.

Do I need one provider for in-store and online payments?

You don’t have to, but it helps. A unified setup gives you one view of your business and can make operations simpler.