What matters most when apparel stores take cards
Your pricing model
Flat-rate pricing is simple, but often costs more than interchange-plus once volume grows.
Returns and exchanges
Refunds don’t always return the processing fee, so your exchange policy affects cost.
Store and online together
One view of both channels makes inventory, refunds and reporting easier.
A payment setup that fits
How we usually set up apparel stores. Your consultant tailors it to how you actually sell.
- 1
Connected POS and online store
One provider, or two that report together.
- 2
Tap to pay
Contactless at the counter for faster checkout.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Your most recent processing statement, so we can compare pricing
- Business registration and EIN letter
What can slow down approval
- Business information that doesn’t match public records
- Owner identity checks that can’t be completed
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Review your effective rate every quarter
- Ask before signing any equipment lease
- Tell your processor before seasonal peaks
Apparel: common questions
Should we pay a flat rate or interchange-plus?
Flat rates are simple. Interchange-plus is usually cheaper once you process meaningful volume. We’ll compare both on your real statement.
Can online and in-store sales be on one account?
Often, yes, with reporting by channel.
Will switching affect our POS?
We plan around your system. Many POS systems work with several processors.
What happens after I switch?
We keep reviewing your statements and tell you when fees creep up, so your savings stay saved.