Thin-margin retail needs thin-margin processing
Low tickets, high transaction counts and per-item fees that outweigh the percentage rate.
On a $9 average ticket, the per-item fee matters more than the rate.
Benchmarks from statements we analyse. Yours will differ — that is the point of the analysis.
Built around how grocery and convenience stores actually take payments
Not a generic bundle with your industry's name pasted on the invoice.
- Per-transaction fee structures priced for low average tickets
- EBT/SNAP and interac debit acceptance where applicable
- Scale, scan and age-verification hardware support
- Cash discount programs that keep margin on card sales
- Multi-lane setups with one consolidated statement
The fee traps we look for in grocery and convenience stores
- Downgrades — transactions falling out of their best interchange category through missing data
- Padded pass-throughs — card-brand fees marked up and presented as cost
- Junk monthlies — statement, PCI, annual, regulatory and "service" fees
- Equipment leases — non-cancellable terms that outlive the hardware
- Tier reclassification — the same sale quietly repriced into a worse bucket
Grocery & Convenience payment processing, answered
Most grocery and convenience stores we analyse sit between 2.6% and 3.4% effective rate once every fee is counted. On a $9 average ticket, the per-item fee matters more than the rate. The only way to know your real number is to divide total fees by total volume on your statement — or send it to us and we will label every line within 4 hours.
There is no single best system. We match hardware to how you actually take payments: ticket size, staff count, whether you sell online, and which software you already run. For grocery and convenience stores we most often deploy per-transaction fee structures priced for low average tickets.
Yes. We stage the new account, program hardware before it ships, and cut over outside your busiest hours. Most grocery and convenience stores switch with zero closed minutes, and we cover documented early-termination fees up to $1,000 when you move to us.
Yes. We support merchants in all Canadian provinces and all 50 US states, with pricing, funding timelines and compliance handled per country.
Local support across Canada and the United States
Every fee named in 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.