Payment processing for retail
Retail runs on volume, and volume magnifies everything: a structure that misreads the counter by a few basis points is invisible on one sale and a real number across ten thousand. The counter deserves pricing built for repetition.
Hundreds of daily transactions across debit, credit and mobile wallets, where per transaction cents compound as fast as percentages.
Interac debit costs cents at the network level. On a flat percentage rate, a $40 debit sale pays credit style pricing for no reason.
Interchange plus pricing that passes debit through at its true cost and reserves percentages for the cards that actually carry them.
Photo: Steffen Mokosch / Wikimedia Commons, CC BY-SA 4.0
Ten thousand transactions is a pricing regime
A shop that rings four hundred sales a day is not a small account, whatever a processor's tier sheet says. At that repetition, the structure of the pricing matters more than any headline number: every transaction the counter rings is priced by it, ten thousand times a month.
Volume also earns standing. Predictable, high count card present volume deserves an agreement built for it, and building that case is exactly the work we do with your statement in hand.
The counter, the shelf and the website
BC retail increasingly sells in two places at once: the physical counter and an online store, often Shopify. The channels carry different interchange, different risk and different fees, and most retailers read them on two separate statements, which means nobody sees the whole cost of selling. We read them together and fit acquiring to the combined picture.
Hardware that keeps the line moving
Tap first prompting, receipts that default to skip, terminals that talk to the till so nobody keys amounts twice: checkout speed is configuration, and we configure it deliberately at deployment. The register your staff know stays, the seconds per customer drop.
December pays for February
Retail volume swings with the calendar: the holiday quarter can carry the year, and the post holiday trough tests every fixed cost. Payment agreements with monthly minimums and rigid fixed fees hit hardest in exactly the months a shop can least afford them. A retail agreement should be priced on the shape of the whole year, with fixed components negotiated against the trough, not the peak.
Returns matter too. Refund processing carries its own fee treatment, and a category with real return rates, fashion above all, should know what its returns column costs before signing anything.
Gift cards, wallets and what the modern till accepts
The modern counter takes more than cards: wallet taps from phones and watches, gift cards that are liability accounting as much as tender, and buy buttons that arrive from a website order for pickup. Each lands differently on the statement. We deploy with all of them mapped, so the till accepts what customers actually carry and the statement stays readable when they do.
Hardware we deploy
Semi integrated with your POS, ethernet with wireless fallback, tap, insert and swipe, built in receipt printer.
WiFi plus LTE fallback, full service battery life, configured to your workflow, splits handled at the table.
Contactless acceptance on a supported Android device. No hardware to buy for mobile and field use cases.
Example hardware lineup and pricing for illustration. The fitted deployment and real pricing follow the statement review.
One independent team, six partner platforms
Kubera Payments Corporation is a registered agent of the partners listed. Clover is a registered trademark of Fiserv, Inc.
Common questions
Most of our sales are debit. Why does our rate look like a credit rate?
Because a flat blended rate charges everything at one percentage regardless of what the transaction cost underneath. Debit heavy retail is the clearest case for interchange plus pricing there is.
We run a Shopify store alongside the shop. Can you review both?
Yes, together. The combined read is the point: it shows the true cost of selling across both channels and whether consolidating acquiring makes sense.
Do we need new hardware?
Not necessarily. Existing terminals can sometimes be redeployed, and where new hardware genuinely helps, the cost goes into the comparison openly before you decide.
What does the statement review cost?
Nothing, and there is no obligation. Send a recent statement and we return the line by line read within 1 to 2 business days.
A recommended payments partner of the BC Chamber of Commerce
Price your retail volume properly
Send us a recent statement. We read it line by line and come back within 1 to 2 business days with exactly what you are paying and whether the structure fits how you run. No obligation, just numbers.
Built for businesses that expect more from their payment systems.