Counter sales, contractor accounts and job-site payments
Level II/III data left on the table for B2B card sales, plus deposits taken in the field.
Level III data can cut B2B interchange by up to 1.00% per transaction.
Benchmarks from statements we analyse. Yours will differ — that is the point of the analysis.
Built around how hardware stores and home service businesses actually take payments
Not a generic bundle with your industry's name pasted on the invoice.
- Level II and III interchange optimisation on commercial cards
- Mobile tap to pay on phone for in-field deposits
- Contractor account terms with card-on-file settlement
- Quote-to-invoice-to-payment in one flow
- Rugged terminals for counter and yard
The fee traps we look for in hardware stores and home service businesses
- Downgrades — transactions falling out of their best interchange category through missing data
- Padded pass-throughs — card-brand fees marked up and presented as cost
- Junk monthlies — statement, PCI, annual, regulatory and "service" fees
- Equipment leases — non-cancellable terms that outlive the hardware
- Tier reclassification — the same sale quietly repriced into a worse bucket
Hardware & Home payment processing, answered
Most hardware stores and home service businesses we analyse sit between 2.6% and 3.4% effective rate once every fee is counted. Level III data can cut B2B interchange by up to 1.00% per transaction. The only way to know your real number is to divide total fees by total volume on your statement — or send it to us and we will label every line within 4 hours.
There is no single best system. We match hardware to how you actually take payments: ticket size, staff count, whether you sell online, and which software you already run. For hardware stores and home service businesses we most often deploy level ii and iii interchange optimisation on commercial cards.
Yes. We stage the new account, program hardware before it ships, and cut over outside your busiest hours. Most hardware stores and home service businesses switch with zero closed minutes, and we cover documented early-termination fees up to $1,000 when you move to us.
Yes. We support merchants in all Canadian provinces and all 50 US states, with pricing, funding timelines and compliance handled per country.
Local support across Canada and the United States
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.