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 does not exist south of the border, and systems built for the US often support it poorly or not at all. Canadian shoppers expect it, tap after tap.
Work with a Canadian company that supports Interac at the lowest possible pricing and fits the agreement to your card mix, quoted in writing before anything changes.
Photo: Steffen Mokosch / Wikimedia Commons, CC BY-SA 4.0
Interac is the Canadian counter
Interac is central to how Canadians pay, and it does not exist in the United States. A system that looks good on paper, built for a US market, may support Interac badly or not at all, and your shoppers find out at the tap. A Canadian company that appreciates Interac and supports it at the lowest possible pricing is the safer choice for a Canadian counter.
The review reads your debit and credit volume separately, so each is priced as itself. What that means for your counter is quoted in writing before anything changes.
The counter, the shelf and the website
BC retail increasingly sells in two places at once: the physical counter and an online store, often on a shopping cart such as WooCommerce, Magento, OpenCart, PrestaShop, BigCommerce, Drupal Commerce, Zen Cart, X-Cart, nopCommerce or 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. Carts that let you bring your own gateway and merchant account, WooCommerce above all, give the review the most room to work.
Hardware that keeps the line moving
If you keep the point of sale your staff already know, the gains are on the agreement, the service and the hardware. We bring the newest terminals on month to month rental, programmed to deposit into your account, and mobile terminals for line busting on the days the lineup runs out the door, like the afternoon a cruise ship lets off.
If you are upgrading your POS, the speed arrives with the new system: tap first prompting, receipts that default to skip, terminals that talk to the till so nobody keys amounts twice, and the seconds per customer drop. We review your current deployment, then compare and demo the options with you before you choose.
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
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, and mobile terminals for line busting when the lineup runs out the door.
Contactless acceptance on supported mobile devices. 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, five 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 Interac debit. Does that change the review?
Yes, in your favour. Debit heavy retail is where a Canadian company that supports Interac at the lowest possible pricing makes the most difference, and the review reads your debit and credit volume separately so each is priced as itself.
We sell online too. Can you review both?
Yes. If your store runs on a cart that lets you bring your own gateway and merchant account, such as WooCommerce, Magento or OpenCart, we read both channels together and fit the acquiring to the combined picture. If your online store runs on Shopify, we focus the review on your in store terminals, where the difference is.
Do we need new hardware?
In most cases, yes, and that is an upgrade. New terminals are programmed to deposit into your account, and we recommend month to month rental so you are always running the newest hardware and can change it as your business changes.
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.