Retail payments with inventory that actually matches the shelf
Multi-location inventory drift, seasonal volume swings and non-qualified downgrade fees.
Retailers switching to interchange-plus save 19-31% on effective rate.
Benchmarks from statements we analyse. Yours will differ — that is the point of the analysis.
Built around how retail stores actually take payments
Not a generic bundle with your industry's name pasted on the invoice.
- Countertop and mobile POS with real-time inventory sync
- Barcode, weighted-item and matrix (size/colour) support
- Buy-online-pickup-in-store with one shared catalogue
- Interchange-plus pricing so seasonal spikes don't spike your rate
- Same-day funding to keep restock cash moving
The fee traps we look for in retail stores
- 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
Retail payment processing, answered
Most retail stores we analyse sit between 2.6% and 3.4% effective rate once every fee is counted. Retailers switching to interchange-plus save 19-31% on effective rate. 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 retail stores we most often deploy countertop and mobile pos with real-time inventory sync.
Yes. We stage the new account, program hardware before it ships, and cut over outside your busiest hours. Most retail stores 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.