Retail
Payments Built for the Sales Floor
Retail runs on card-present volume and narrow margins. We price it the way it clears — interchange plus a disclosed markup — and review the effective rate with you every quarter.
The Problem
Flat-rate pricing punishes card-present volume
Retail transactions qualify for some of the lowest interchange on the market, especially regulated debit. Flat-rate processors pocket that difference and call it simplicity. On a store's volume, the gap between what a card actually costs and what you were billed is real money, every month.
What We Deliver
The working parts
01
Interchange-plus pricing
You pay the published card cost plus a fixed, disclosed markup — nothing folded in.
02
Debit routing
PIN and PINless debit routed to the lower-cost network where the transaction allows it.
03
Terminal and POS flexibility
We work with the countertop hardware and point-of-sale systems you already run, or help you choose new ones without a lease.
04
Statement analysis
Line-by-line separation of interchange from processor markup on your current statement, before you sign anything.
05
Quarterly effective-rate reviews
We recalculate your all-in cost each quarter and correct downgrades instead of letting them compound.
Also in Market Expertise
Send one statement. Get a straight answer.
We'll separate interchange from markup, show you what's negotiable, and put a recommendation in writing — whether or not you sign with us.
No exclusivity · No pressure · A written analysis either way