Industries
A very small average sale at very high volume is the hardest shape in payments to price well. It is also the one where a single setting can move the whole number.
On a $4.50 coffee, a flat 10c per tap is 2.2%. On a $100 sale it is 0.1%. Same fee, twenty times the impact — which is why a rate that looks fine to a retailer is punishing for a café.
If your pricing has any fixed component per transaction, that is the first line to attack, ahead of the percentage.
Most café payments are small debit taps, which is exactly the traffic least cost routing is designed to move to the cheaper network. It is frequently not switched on by default.
For a café doing a few hundred taps a day, that one setting can be worth more than the entire terminal rental.
A few seconds per transaction is invisible on its own and decides the length of your morning queue. Integration between the point of sale and the terminal removes the keying step, and a terminal that has to reconnect between sales costs you more than its rental.
Worth testing at 8am rather than on a quiet afternoon.
Tell us what you trade as and roughly what you turn over on cards. We quote it across the panel and are straight with you about whether it is worth moving.