Every register, every store, one view. Payments that scale with you.
Payment processing for multi-lane and multi-location retailers — EMV and contactless at every lane, one gateway across stores and web, and reporting that rolls up instead of arriving in five separate statements.
Accept every way your customers pay
Where retailers lose money
At scale, small misconfigurations stop being small
A quarter of a percent that hardly registers on one register is a serious number across four stores and a website. Most of what we find in a retail statement is structural, not negotiable.
Every store priced separately
Locations opened at different times often sit on different rates with different providers. Consolidating them onto one agreement is usually the single biggest lever.
Returns handled as fresh sales
Processed incorrectly, a refund can cost you the original fee plus another one. Configured properly, the interchange on the original sale is reclaimed where the card brands allow it.
Online and in-store don't reconcile
When web and store run on separate gateways, matching deposits to sales becomes a monthly manual exercise your bookkeeper absorbs.
PCI fees for non-compliance
Many retailers pay a monthly non-compliance charge simply because nobody completed the annual questionnaire. It is avoidable and we walk you through it.
What we set up
One account, every lane, every location
Hardware at the counter, a gateway behind the website and reporting that treats the whole business as one operation.
EMV & contactless at every lane
Chip, tap and mobile wallet acceptance on hardware your staff can learn in a shift — which matters when turnover is part of the job.
Consolidated reporting
Every location on one statement, with each store, lane and shift still broken out so you can compare them.
Omnichannel gateway
Store and web running through the same gateway, so deposits reconcile against sales without a spreadsheet in between.
Returns & exchanges
Refunds configured to reclaim interchange where the card brands allow it, instead of charging you twice on a returned item.
PCI compliance support
We walk you through the annual self-assessment so you are not paying a monthly non-compliance fee for unfinished paperwork.
Chargeback management
Alerts, representment support and help fixing the underlying cause when a particular SKU or channel starts generating disputes.
Surcharging & cash discount
Where state law and card brand rules permit, a compliant program to offset card fees — implemented correctly or not at all.
Gift cards across locations
One gift card and store credit program that works at every store and online, with balances tracked centrally.
Why retailers switch
A payments partner, not a help-desk ticket
Approvals in hours
A short application with minimal paperwork, and a rollout plan that brings locations over without closing a register.
Transparent pricing
Interchange-plus with a fixed markup across every location, so opening store five does not mean starting a new negotiation.
A dedicated rep
One named account manager for the whole group, plus around-the-clock technical support for the lanes.
Common questions
What retail operators ask us first
Can we move all our locations onto one agreement?
Yes, and it is usually where the savings are. Stores opened at different times tend to sit on whatever rate was available that year. Consolidating onto one agreement with consistent interchange-plus pricing typically does more than negotiating any single line item — and it gives you one statement to audit instead of five.
Do we have to replace our POS?
Usually not. We connect through a PCI-compliant gateway that the major retail point-of-sale platforms support. Replacing a system your staff already knows is expensive and rarely necessary — tell us what you run and we will confirm before you commit.
How do you handle rollout across locations?
One store at a time, scheduled around your trading hours. We stage and configure hardware before it ships so a lane is down for minutes rather than a day, and we keep the old account live until the new one is confirmed working.
What about PCI compliance?
We walk you through the annual self-assessment questionnaire and the scanning requirement that applies to your setup. A lot of retailers pay a monthly non-compliance fee purely because the paperwork was never finished — that is avoidable, and it will show up in your statement review.
Other industries
We set up payments for these too
Talk to sales
See what your stores could save
Tell us a little about the business and a payments specialist will follow up with a free, no-obligation statement review.
Prefer email? Reach us at sales@thewholesalemerchant.com.