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Payments for convenience stores

Very high transaction counts on small sales and thin margins mean per-transaction fees and percentage padding add up fast, and corner stores are often quietly overcharged. We show you exactly what you pay and set you up clean.

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Why convenience stores overpay

When you ring up a constant stream of small sales on thin margins, a few cents of padding per swipe and small percentage markups turn into real money over a year. In Canada the biggest hidden cost is paying credit-card rates on Interac debit, because the flat-rate apps charge the same high rate on every card.

On top of that, age-restricted items like tobacco are sometimes treated as higher risk, which gives a lazy processor an excuse to mark you up. We don’t play that game. We show you the real numbers and price it straight.

See what you pay
Per-transaction math mattersOn a small sale, the per-swipe fee can outweigh the percentage. We optimize for how you actually sell.
Interac priced like InteracConvenience stores see heavy Interac and debit volume, which should be priced low, not at a credit-card rate. We make sure you aren’t paying credit rates on every tap.
Fast, reliable checkout and uptimeA busy counter can’t wait on slow approvals or a terminal that drops out. We set you up for quick taps that keep the line moving.

What are you really paying?

Enter last month's numbers from your statement.

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Your effective rate is the real percentage you pay on every dollar you process.

An estimate based on the numbers you enter. Send your statement for the full statement review.

Your real rate: the equation and the gap Total fees divided by total card volume gives the effective rate, shown as $1,500 divided by $50,000 equals 3.0 percent, with two bars underneath where the effective rate stands taller than the rate you were quoted and the difference is bracketed as downgrades and junk fees. YOUR REAL RATE Total fees divided by total card volume. Two numbers from your statement, one honest answer. TOTAL FEES $1,500 everything you paid last month ÷ CARD VOLUME $50,000 everything you ran on cards = EFFECTIVE RATE 3.0% your real rate what you actually pay on every dollar, once every fee is counted the headline number The rate you were quoted QUOTED RATE DOWNGRADES + JUNK FEES 3.0% Your effective rate THE GAP Downgrades and junk fees The quoted rate only applied to some of your transactions. The rest, plus the monthly fees, is the gap. The advertised rate is what they want you to look at. The effective rate is what you actually pay. LEGEND The rate you were quoted Your effective rate Downgrades and junk fees Example from the statement guide on allpropay.com. Illustration, not a quote.

Works with your POS

Some systems let you choose your processor. Others lock you in. Here is the honest picture for convenience stores, and where we fit.

Open

Keep your software, switch to us

Many convenience store POS systems are open or pair with a standalone terminal, so you keep your software and move the processing to AllProPay.

Locked

Locked to their own processing

Some all-in-one systems, like Square and certain Clover setups, lock you to their processing. If you’re on one, we’ll show you the real cost and the math on switching.

We’ll check

Tell us what you run

Setups vary. Tell us your system and we’ll confirm what we can do.

Common in convenience stores: NCR, KORONA, Clover, Square, and standalone terminals. Not sure about yours? Ask us and we’ll confirm.

What other shop owners say

See your store's real numbers

Send one recent statement. We’ll show you what you pay and where it can come down. No obligation.

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