Counter sales, contractor accounts and job-site payments
Level II/III data left on the table for B2B card sales, plus deposits taken in the field.
Passing Level II and Level III data can qualify eligible commercial card transactions for lower interchange rates.
Illustrative profile, not an industry benchmark. Yours will differ — that is the point of the analysis.
Built around how hardware stores and home service businesses actually take payments
Not a generic bundle with your industry's name pasted on the invoice.
- Level II and III interchange optimisation on commercial cards
- Mobile tap to pay on phone for in-field deposits
- Contractor account terms with card-on-file settlement
- Quote-to-invoice-to-payment in one flow
- Rugged terminals for counter and yard
The fee traps we look for in hardware stores and home service businesses
- 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
Hardware & Home payment processing, answered
It depends on your card mix, average ticket, volume and pricing model. Passing Level II and Level III data can qualify eligible commercial card transactions for lower interchange rates. 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, usually 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 hardware stores and home service businesses we most often deploy level ii and iii interchange optimisation on commercial cards.
Yes. We stage the new account, program hardware before it ships, and cut over outside your busiest hours. Most hardware stores and home service businesses switch with zero closed minutes.
Yes. We support merchants in all 50 US states and every Canadian province, with pricing, funding timelines and compliance handled per country.
Local support across Canada and the United States
Every fee named, usually within 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.