What matters most when local stores take cards
Card-present pricing
In-person chip and tap payments qualify for lower interchange. Your pricing should reflect that.
Equipment terms
Long, non-cancellable equipment leases are one of the most common traps in the industry.
Funding speed
How fast deposits land affects your cash flow.
A payment setup that fits
How we usually set up local stores. Your consultant tailors it to how you actually sell.
- 1
Chip and tap terminals
Modern terminals so every in-person sale qualifies for card-present rates.
- 2
Buy, don’t lease
Owning terminals usually costs far less than leasing them.
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.
- Read equipment agreements before signing
- Key in cards only when you have to
- Review statements every quarter
Brick-and-mortar retail: common questions
Should we lease or buy terminals?
Buy, almost always. Leases are often non-cancellable and can cost many times what the equipment is worth.
Why do keyed-in sales cost more?
They don’t qualify for card-present rates. Insert or tap whenever the card is there.
What happens after I switch?
We keep reviewing your statements and tell you when fees creep up, so your savings stay saved.