About us

What we do


Headquartered in Montreal with operations in Canada, the United States, and the United Kingdom, PayFacto is a leader in payment solutions and hospitality technology, including its new VelPAY, an all-in-one integrated payment and POS solution. Recognized for its expertise, agility, and execution, PayFacto enables merchants of all shapes and sizes to take control of their electronic transactions. With its own proprietary payment gateway and SaaS point-of-sale technology, PayFacto offers a unique suite of integrated payment and POS solutions supported locally through its extensive network of hundreds of distributors and resellers.

Reach out today to see how our experts can deliver customized payment solutions for your business!

Executive Leadership

Martin Leroux

Martin Leroux

Chairman & CEO

Frédéric Gascon

President & COO

Denis Robert

Executive Vice President,
Business Development & Marketing

Stéphane Morneau

Chief Financial Officer

Karen Cox

Chief Product Officer

John Arnold

Chief Technology Officer

Danny Roy

Executive Vice President,
POS Strategies

Sherif Khalil

Executive Vice President
Sales Strategic Businesses

Nawar Mangalo

Vice President
Operations & Customer Experience

Cindy Low

Vice President
Business Development and Partner Relations

Julie Paillé

Vice President
Legal Affairs & Privacy Officer

Sophie Lemieux

Vice President
Human Resources

Ratanak Soeung

Vice President,
Payment Solutions

Nick D’Ugo

Vice President
Risk & Compliance

Luc Girard

Vice President
Technical Services

Steven Raymond

Vice President,
Sales PAY/POS North America

Our Story

PayFacto was born from the merger of three leading payment processing companies. They joined forces to deliver innovative and strategic payment solutions to a wide range of industries and merchant types. Combining years of experience and achievements, B2Billing, CT-Payment and Supreme Payments have, since April 1st, 2018, been known as PayFacto, one of the largest independent payment processor in Canada.


In 2020, PayFacto acquired Posera and Resto Finances, and their respective flagship POS products Maitre’D and Veloce, both established and proven POSs with a global footprint. These acquisitions have allowed PayFacto to reinforce its leadership position, establish an expertise and focus in the hospitality industry, and continue its breakthrough in new markets.

  • 2002

    Company established as Central Tax Inc., a key player in the launch of Canada’s first electronic payment system for municipal taxes

  • 2008

    Acquisition of CGI’s Payment Solutions Division

  • 2009

    • Company name changed to CT-Payment Inc. to reflect company growth and scope of activity
    • Acquisition of Telus’ POS Payment Division
    • Becomes largest payment processor in Canada, independent of banks
  • 2010

    • Acquisition of CPSN / Canadian Point of Sales Network
    • Creation of Supreme Payments Inc.
  • 2011

    • Implementation of the largest independent network of EMV-certified POS terminal in Canada
    • Pioneers advanced tokenization processes in the web-based recurrent payment sector
  • 2013

    • Establishment of a US division as CT-Payment USA Inc.
    • Launch of the first fully integrated EMV mobile payment solution
  • 2015

    • Creation of B2B Payment Inc.
    • Launch of the B2B Payment Market Acquirer Program including the implementation of a BIN in collaboration with People Trust Bank
  • 2016

    • Opening of an office in Hong Kong and creation of the CT-Payment Asia-Pacific division
  • 2017

    • Acquisition of
      CT-Paiement Inc.
      by B2B Payment Inc.
  • 2018

    • Merger of CT-Payment Inc., B2B Payment Inc. and Supreme Payment Inc.
    • Launch of the new merged entity under the name Payment PayFacto inc.
  • 2020

    • PayFacto initiates its leadership position in the hospitality industry across North America and Europe.
    • PayFacto acquires Posera inc. owner of Maître D and Resto Finances inc. owner of Veloce POS systems.

Corporate Social


We believe it’s our responsibility to uphold the same commitment to our clients, employees and local communities.


Our commitment to community


A company is only as strong as its connection to the community. At PayFacto, it’s a team value to contribute to its vibrancy with our support and expertise.

PAYFACTO – Tremblant’s 24h


PayFacto is proud to partner with Tremblant’s 24h, an annual athletic event to raise funds for sick and underprivileged children. We’re honoured to be lending our support to this event for at least the next four years.


In addition to our financial support and participation, we are also proud to announce that PayFacto’s platform will be the official payment solution for the event. We are thrilled that the thousands of generous donors and participants will be able to rely on our expertise to make fast and secure donations.