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Retail credit card processing for one store or a growing chain.
Retail credit card processing should be simple at the register and clear on the statement. Whether you run a single shop or several, we fit processing to your POS, your online store and the way your customers like to pay.
What a retail setup covers
| In-store checkout | Countertop or full POS |
| Online store | Shopping cart or gateway |
| Locations | One account or many |
| Gift and loyalty | Givex, Factor4 |
| Checks | CheckMate, TeleCheck |
We fit your current POS where supported. We don’t sell proprietary POS.
What we find on retail statements
Retailers often add a processor for each new channel or store, and the costs pile up quietly. Here is what that looks like, and what we do instead.
What you often find
- A separate account and fee schedule for the web store
- Each new location set up with different pricing
- Slow checkout lines on older dial-up style terminals
- Bad checks written off with no recovery plan
- A flat rate that looked simple but costs more as you grow
At PayZoom
- In-store and online sales on one clear pricing plan
- The same transparent margin at every location
- Fast IP and contactless checkout at the counter
- Check guarantee and collection options when you take checks
- Interchange-Plus pricing that scales with your volume
How retail processing scales
A shop that grows from one register to several stores needs the same three things at every step. We set them up once so adding a location is routine.
Fast checkout
Countertop terminals or a POS with tap, chip and swipe, sized for your lines.
Every channel
Store, online cart and phone orders run through one processing relationship.
One clear rate
Interchange at cost plus our margin, the same at every location and shown on its own line.
The PayZoom Statement Review
- Send. Email us one recent processing statement.
- Read. We line-item every fee and separate what the card networks charge from what your processor keeps.
- Recommend. You get a plain-English answer. If you are already paying a fair price, we will tell you.
- Switch. If you move to PayZoom, we set up processing to fit your POS, gateway or cart.
Having a free check collection service such as CheckMate really takes bad check collection off of our plate.
Joe Calagaz, Calagaz Photo
Since 2006, a person who knows your account.
| Founded | 2006, Daphne, Alabama |
| Clients in | Nearly every U.S. state |
| Support | Never outsourced |
| Registered partner of | Cygnus Payments and Evolv Payment Solutions |
Questions merchants ask us
Straight answers. If yours is not here, call us and a real person will answer it.
What is the right pricing model for a retail store?
For most established retailers, Interchange-Plus is the clearest choice. You pay the card networks’ actual cost plus a separate margin, so you can see exactly what you pay your processor. Flat-rate pricing can work for very small shops, but it often costs more as sales grow. We compare both against your real statement.
Can my online store and physical store share one account?
They can share one processing relationship and one set of reports. Card-not-present sales usually price differently from in-store sales because the risk is different, but you still see both on one statement. We connect your shopping cart or gateway alongside your in-store terminals so you are not juggling two processors.
Do you work with my current retail POS?
In most cases, yes. PayZoom is platform-agnostic and doesn’t sell a proprietary POS, so we fit processing to the system you already run where it is supported. If you need new equipment, we can supply countertop terminals or a POS from the hardware we carry.
Can you help with gift cards and loyalty?
Yes. We offer gift card and loyalty programs through Givex and Factor4. A store gift card brings customers back and keeps the money in your business instead of a third-party card. We set the program up to work with your checkout so staff can sell and redeem cards at the register.
Do you still help with checks?
Yes. Many retailers still take checks from regular customers. We offer check verification and guarantee services through CheckMate and TeleCheck, which can take bad check collection off your plate. We help you decide whether a guarantee or a verification service fits the amount of check volume you see.
Send us one statement. We’ll tell you exactly what you’re paying.
No cost and no pressure. If your current rate is fair, we’ll say so. We typically reply the same business day.
| Call toll-free | 866.242.4325 |
| Local | 251.626.8100 |
| nate@bizpayzoom.com |