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Saturday, November 22, 2025

Full Exposé and Reviews of Divvia, Unity Payments, CDN POS / Canadian POS Corporation, and Elavon: What Every Merchant Needs to Know

Full Exposé and Reviews of Divvia, Unity Payments, CDN POS / Canadian POS Corporation, and Elavon: What Every Merchant Needs to Know

Merchant service providers should help businesses operate smoothly, securely, and transparently. Unfortunately, our experience with Divvia, its related brand Unity Payments, its former identity CDN POS / Canadian POS Corporation, and their partnered processor Elavon, revealed serious issues that every business owner needs to understand before signing anything.

This article serves as a complete investigative review, combining first-hand experience, publicly visible patterns, and industry concerns to provide a comprehensive warning to merchants.

1. CDN POS / Canadian POS Corporation: A Troubling Reputation and Likely Rebranding

Before Divvia existed, the same business operated under:

  • CDN POS

  • Canadian POS Corporation

This earlier version of the company accumulated approximately 70 Google reviews with an average of 1.2 stars, which is extraordinarily low for any business.

A 1.2-star rating is almost unheard of and indicates major systemic issues such as:

  • Poor customer service

  • Misleading information

  • Failed expectations

  • Disputes and unresolved complaints

Based on the review history, business patterns, and the timeline of brand transitions, it appears that CDN POS / Canadian POS Corporation likely changed their name and rebranded to Divvia and later Unity Payments because of the very bad reputation they built under their original names.

Rebranding can be legitimate, but in the payment processing industry, businesses often rebrand after accumulating negative reviews, which should raise immediate caution for merchants.

2. Divvia's Current Reputation Continues to Raise Concerns

Under its current name, Divvia has:

  • 239 Google reviews

  • An average rating of 3.6 stars

For a merchant services provider handling sensitive business information, a 3.6-star rating is far from ideal and suggests ongoing customer dissatisfaction.

When a company with a historically poor reputation re-emerges under a new name, but still shows mixed and concerning reviews, merchants should be extremely careful.

3. Divvia's New Arm: Unity Payments

Divvia also operates under another active brand:

Unity Payments

This appears to be another continuation of the same business line.
Multiple names, shared operations, and overlapping complaints strongly suggest restructuring rather than true improvement.

Businesses should always be cautious when a merchant services provider operates under multiple names, especially when previous identities are associated with unfavorable reviews.

4. Our Application Incident: Errors, Incorrect Information, and a Decline

We signed up with Divvia through their agent, Nick.

Our application to Elavon was denied, and after reviewing their submission, we discovered:

  • Incorrect details

  • Information we never provided

  • Statements we did not authorize

  • Errors that were introduced during submission

These errors directly caused the application decline.

When a provider handles financial information, accuracy is non-negotiable. Errors at this level reflect poor internal controls and should deeply concern any business relying on them for payment processing.

5. Divvia's Troubling Instructions: "Do Not Contact Elavon Directly"

Divvia instructed us:

  • Not to contact Elavon

  • Not to send Elavon documents

  • To let Divvia handle all communication

  • Claiming they have "people who know how to get applications approved"

This raises major red flags about transparency and integrity.

Merchants should never be blocked from speaking directly with their payment processor. A reputable provider encourages transparency, not secrecy.

6. Elavon's Role and Their Disturbing Partnership Choices

Elavon is a well-known payment processor, yet:

  • Elavon's Google reviews show 34 reviews with a 1.9-star rating

  • Many Elavon complaints specifically reference

    • Divvia

    • CDN POS

    • Unity Payments

This means:

  • Elavon is aware of these issues

  • Merchant complaints are not isolated

  • Problems have existed for years

  • Yet Divvia remains an active reseller for Elavon

This is alarming for any merchant who expects strong oversight from a major processor.

7. Elavon Terminated Our Account Without Explanation

When Elavon terminated our account, they wrote:

"In accordance with the Terms of Service, Elavon shall have the right to terminate the agreement in whole or in part, at any time with or without cause."

They provided no reason for termination.

This means:

  • Your account can be closed without cause

  • Your business can lose payment processing instantly

  • You may not receive any explanation

  • There is no guaranteed dispute process

This is extremely unfair and dangerous for any merchant reliant on stable payment processing.

8. Why Merchants Should Exercise Extreme Caution

Based on real experience and publicly visible evidence, merchants should be extremely cautious when dealing with:

  • Divvia

  • Unity Payments

  • CDN POS / Canadian POS Corporation

  • Elavon

Core concerns include:

  • Application errors and misinformation

  • Attempts to block direct communication with processors

  • Multiple rebrands likely tied to reputation damage

  • High volumes of negative reviews

  • Sudden account termination without cause

  • Lack of transparency

These practices can result in:

  • Financial loss

  • Frozen transactions

  • Business interruptions

  • Long onboarding delays

  • Reputational damage

9. Where to File Complaints

If you have had issues with any of the above companies, file complaints with:

Consumer Protection

  • Better Business Bureau (BBB)

  • Consumer Protection Ontario

  • Competition Bureau Canada

Financial Regulators

  • Financial Consumer Agency of Canada (FCAC)

  • Consumer Financial Protection Bureau (CFPB, USA)

  • Office of the Comptroller of the Currency (OCC, USA)

  • Regulators overseeing U.S. Bank and Elavon

Additional Channels

  • Canadian Anti-Fraud Centre

  • Provincial or Federal Privacy Commissioners

  • Small Claims Court (if financial loss occurred)

10. Additional Platforms to Post Your Reviews

To strengthen public awareness, also post reviews on:

  • Trustpilot

  • SiteJabber

  • Yelp

  • ComplaintsBoard

  • PissedConsumer

  • ScamPulse

  • Reddit: r/smallbusiness, r/legaladvicecanada

  • Merchant Maverick

  • CardPaymentOptions

  • POS and payment service review blogs

11. Warn Others Through Business Networks

Share your experience in:

  • LinkedIn business groups

  • Facebook small business groups

  • Local Chambers of Commerce

  • Canadian small business associations

  • Industry-specific forums

  • Startup communities

  • POS and payment processing groups

  • Local business networking events

Your story may prevent another business from experiencing the same problems.

12. Final Thoughts: Transparency Is Essential in Merchant Services

Choosing a merchant service provider is one of the most important decisions a business owner makes.

Based on our direct experience, combined with overwhelming negative reviews and concerning patterns across multiple brand names, Divvia, Unity Payments, CDN POS / Canadian POS Corporation, and Elavon should all be approached with serious caution.

Our experience was extremely negative, and we hope this detailed article helps other merchants avoid similar issues.

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