What matters most when retailers take cards
Card-present rates
Chip and tap sales qualify for lower interchange than keyed or online sales.
Surcharging rules
Card-brand rules currently cap credit card surcharges and don’t allow them on debit cards, and some states restrict them further. These rules are changing, so we check the current ones with you.
Selling everywhere
In-store, online and buy-online-pick-up-in-store on connected accounts.
A payment setup that fits
How we usually set up retailers. Your consultant tailors it to how you actually sell.
- 1
POS integration
Payments recorded in your point of sale automatically.
- 2
Online store connected
One view of every channel.
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 adding a surcharge program
- Avoid long equipment leases
Retail: common questions
Can we pass card fees on to customers?
Sometimes, through a compliant surcharge or cash-discount program. Card-brand rules and state law limit how. We’ll explain your options.
Should online and store sales share an account?
Often, yes, with reporting by channel.
How do we know if we’re overpaying?
Send us a recent statement. We’ll show your effective rate and what it should be.
What happens after I switch?
We keep reviewing your statements and tell you when fees creep up, so your savings stay saved.