US Free statement review
Home / Industries / Retail shops

Payments for retail shops

Boutiques, gift shops, hardware and clothing stores. A lot of small and mid-size sales, tap at the counter, and a POS that has to keep tracking inventory. Most of those taps are Interac debit, which should be priced low and not at credit rates. We set you up clean, keep your POS where we can, and show you exactly what you pay.

Get your free statement review

A full day of small sales adds up

When you ring up dozens of sales a day, most of them under a hundred dollars, the per-transaction fee and markup repeat on every one. A lot of those payments are Interac debit, and a flat-rate app charges the same rate on everything, so you overpay on debit that should cost less. A clean, transparent setup keeps that from quietly eating your margin. And your checkout has to stay fast, whether the customer taps at the counter or pays a link from home.

See your monthly cost
Tap at the counterQuick taps that keep the line moving at the counter.
Keep your POSMany retail systems let you choose your processor. Keep the one that tracks your inventory.
Interac priced rightDebit should be priced low, not at credit rates like a flat-rate app charges.

What are you really paying?

Enter last month's numbers from your statement.

$
$
--%
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 retail, and where we fit.

Open

Keep your software, switch to us

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

Locked

Locked to their own processing

Some all-in-one tools, like Square Appointments or Clover, 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 POS and we’ll confirm what we can do.

Most retail POS systems are open, and many shops run a standalone terminal beside the register. Not sure about yours? Ask us and we’ll confirm.

What other shop owners say

Common questions

Can I keep my POS and just switch the processing?
Often, yes. Many retail POS systems let you choose your processor, so you keep your inventory and your reports and move the processing to AllProPay. Tell us what you run and we’ll confirm.
We ring up a lot of small sales. Does a clean rate matter?
Yes. On a lot of small and mid-size sales, the per-transaction fee and markup add up across a month, so a clean setup makes a real difference.

See your business's real numbers

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

Get your free statement review