RETAIL PAYMENT PROCESSING
Keep checkout moving. Sell beyond the counter. Clearly Payments brings together card processing, terminals, POS options and online payments around the way your retail business works.
Find Your Retail Payment SetupSame-day or next-day funding for eligible merchants. 24/7 technical support when your store needs it.
Contactless checkout with Clover Mini. Clearly helps you choose the POS and equipment for your store.
A terminal can approve a card and still leave a retailer with work to do. Staff may re-key the till total, customers may need a remote payment option, or the owner may struggle to explain a deposit. Clearly helps you choose the payment tools and reporting that address those gaps.
Choose the right device and POS connection so staff can take payments, provide receipts and handle routine returns confidently.
Support the counter, your online store or a pop-up without treating every new channel as a separate buying decision.
See what you’re paying and where your setup could cost less. Clearly helps you compare processing, equipment and software costs against the way your store sells.
A busy convenience counter needs a different setup from a furniture showroom. Start with the number of registers, where customers pay and how staff issue receipts. Compatible terminals support chip and contactless payments, including supported mobile wallets.
A countertop device gives customers a consistent payment point. Consider screen visibility, connection options, receipt printing and the space around your till. With a supported POS connection, the amount can pass to the terminal instead of being typed twice.
Portable or wireless equipment brings payment closer to the customer in a showroom or during busy trading periods. Clearly can help you choose a device with the connectivity and coverage your selling space needs.
Compare payment terminals or learn how a merchant account fits the setup.
Ingenico Desk 5000: countertop card payments for your checkout.
Your POS manages the basket, items and store operations. Payment processing authorizes and handles the payment. Evaluate them together so the sale amount, payment result and receipt fit one checkout process.
Keep the POS your staff know. Share its name, version and hardware with Clearly so we can assess the payment connections and equipment available for your setup. The aim is a checkout where amounts, receipts and refunds move between systems with less manual work.
Clearly’s POS options include systems with inventory and sales-reporting tools. Match the package to your catalogue, product variations, staff needs and returns process. Software subscriptions and peripherals belong in the cost comparison.
A compatible terminal integration sends the sale amount and references to the payment device, then returns the transaction result to your software. This reduces double entry at checkout. Semi-integrated options keep card entry on the payment device, helping limit the card data handled by your POS application.
Explore payment integration and API options or discuss your POS compatibility. Bring the software version and a description of the checkout you want.
Talech POS brings inventory, product variations, barcodes and sales reporting into your retail workflow. Gift-card and multi-location options are available with the appropriate configuration. Clearly can help you select the plan, scanners and printers your team needs.
For U.S. retailers, Clearly also offers Clover POS. Talk with us about the devices, apps and package available for your location and type of store.
An online order, a phone enquiry and an in-store purchase start differently. Choose a sensible payment route for each instead of asking customers to send card details by email.
Clearly’s eCommerce payment options connect online stores through gateways, compatible shopping carts and APIs. We can review your platform and checkout needs, including how order references and refunds reach the records your team uses.
An email invoice with an online payment option can help a customer pay a furniture deposit or a business order remotely. A Hosted Payment Page gives customers a provider-hosted place to enter card details without your store building its own card-entry form.
Take phone and mail-order payments through a browser with a Virtual Terminal. Authorised staff can enter the payment, complete the transaction and provide a receipt without a separate checkout terminal.
PLAN THE CHANNELS TOGETHER
In-store: POS or terminal at checkout.
Online: Compatible shopping cart or hosted checkout.
Away from the counter: Portable device or supported mobile setup.
Then review: Match transactions and settlement records to the sale.
Plan your sales channels around the way your staff work, with payment records and reporting that help them follow each sale.
Selling in-store and online is often called omnichannel retail. For your business, it may mean matching an online order to a payment, handling a return or keeping inventory up to date. Clearly helps you assess the payment connections alongside your POS and online store. Shared inventory, customer records and cross-channel returns depend on how those systems connect.
A seasonal stall or a sales event may need payment acceptance away from the main till. Mobile payment options use supported devices and readers so the customer can pay where the sale happens. Confirm phone or tablet compatibility, connectivity and receipt options for the intended location.
For a higher-ticket showroom sale, a portable terminal can bring card entry to the customer. For a market stall, plan battery charging and coverage before opening. Keep staff instructions for a declined payment or interrupted transaction clear so the same sale is not charged twice.
Growth adds more than equipment. An owner needs to identify which store took a payment, who can issue a refund and how deposits will be reconciled. Set those requirements before adding another merchant account or POS subscription.
See inventory, transactions and sales insights in one dashboard with a suitable retail POS configuration. Use consolidated multi-location reporting and staff permissions to keep control as you add stores. Clearly helps you choose the POS, accounts and equipment that connect your retail operation.
For higher-volume or more complex operations, Enterprise payment processing provides a natural next step for discussing requirements across locations and systems.
Will each location have its own merchant account and deposit reference?
Can managers see their store without receiving access they do not need?
How will returns, gift cards and product records work across the chosen POS configuration?
Which reports will the owner and bookkeeper use at close?
A sales total is not always the amount deposited. Batches group transactions, fees may be deducted or billed separately, and refunds can affect later funding. Clearly’s reporting and transaction-history options help your team review payment activity; the available reports depend on the platform.
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Check the till, order or invoice reference and successful payment.
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Account for the applicable fees, refunds and other adjustments.
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Connect the payout to bank activity and investigate exceptions.
See a worked example in our payment reconciliation guide. Explore accounting integration options to reduce manual work, or ask about back-office payment services for additional reconciliation or chargeback assistance.
Compare your total cost using the way customers really pay. A busy shop with many small transactions has a different cost profile from a showroom with fewer large invoices. Underlying card costs, processor markup, transaction charges and equipment or software fees all matter.
In-person chip or contactless and online or keyed payments can have different underlying costs. Premium or business cards can also affect pricing. A manually keyed payment is not a chip transaction simply because the shopper is standing at the counter.
Include terminal rental or purchase, POS subscriptions, peripherals and any optional services. Check refund, dispute and other agreed charges. Compare a representative period, including a quieter month if your store is seasonal.
Interchange is part of underlying card-acceptance costs, not another name for the processor’s markup. Ask for a proposal that explains the pricing model and the charges you will see on statements.
Clearly’s Cost Plus pricing adds a published percentage markup and transaction charge to underlying payment costs. Review the appropriate annual card-sales tier and how in-person and online or keyed transactions are priced.
Membership pricing combines a monthly membership and transaction charges with underlying payment costs. Clearly can help you compare it with Cost Plus using your sales volume and payment mix.
Make sense of your statements with Clearly’s Cost Analysis & Optimization and payment consulting. We review processing charges, transaction mix and technology costs to identify opportunities for a better-value payment setup.
Review Your Retail Payment CostsGood payment security combines appropriate technology with clear store procedures. Clearly can help you assess hosted card entry, compatible terminals and supported tokenization for the way you accept payments.
EMV chip technology helps protect in-person payments against counterfeit-card fraud. Contactless lets shoppers tap a compatible card or mobile wallet for a convenient checkout. Staff procedures and other fraud controls remain important for managing payment risk.
Encryption protects data in the applicable payment flow. Tokenization substitutes a reference for the card number in supported stored-credential workflows. Use the payment platform rather than keeping card numbers in a spreadsheet.
Address-verification and CVV checks help you assess online and phone orders through supported Clearly gateways. Combine these tools with an order-review process so staff know when a payment needs a closer look.
Spend less time navigating PCI DSS. Clearly provides managed compliance support and helps you complete the required validation, alongside hosted collection and tokenization to reduce the card data your store handles. Learn how outsourced processing affects PCI responsibilities.
Give staff appropriate access and a documented process for returns. Retain the order and fulfilment evidence needed to investigate disputes, without keeping unnecessary sensitive card data. Never retain CVV after authorization, including for recurring payments. Read PCI SSC’s card-verification-code guidance.
A specialty shop may offer an agreed repeat order or a regular product package. Recurring-payment and tokenized card-on-file options can support authorized schedules on compatible platforms. Set the amount, timing and cancellation process clearly, then review failed payments and changes.
Give customers a reason to return with gift cards and loyalty programmes. Clearly helps you choose a retail setup that connects these tools with the way you sell, including online and in-store options. Your selected POS and integrations determine how rewards, customer records and returns work across channels.
Boutiques and specialty stores: Consider product variations, scanning and the returns process.
Convenience and everyday retail: Prioritize practical counter equipment and staff usability.
Furniture, electronics and higher-ticket goods: Plan deposits, remote balances and evidence of delivery.
Seasonal and pop-up shops: Compare quieter-month costs and the connectivity needed away from the store.
Keep your store trading while you move to a better payment setup. Clearly helps you plan equipment, software connections and payment channels, with account approval, funding arrangements and support contacts covered before the transition.
Bring a recent statement, POS version and equipment list. Explain where customers pay and what currently slows staff down.
Verify the sale, receipt and permitted refund process. Confirm that references reach the reports your team will use.
Give staff clear opening, closing and exception-handling steps, with support contacts close at hand. Reviewing the first settlements helps your team get comfortable with the new process.
Get dedicated implementation help and 24/7 technical support, so your team has someone to turn to at launch and during trading hours. Clearly can also help with chargeback cases and payment operations. Explore our service approach or discuss a more involved rollout through payment consulting.
I love the fact that I get my funds into my bank so quickly. I get funds in less than a day. This gives me peace of mind. I really recommend Clearly Payments for a merchant account and credit card processing.
John, Retail Manager
It is the service and technology used to accept and manage customer payments for a retail business. The setup may include a merchant account, terminals, a POS connection and online payment tools. The right combination depends on your sales channels and store operations.
A terminal may be enough if another system handles your sales and records. A retail POS adds functions such as item management and inventory. Compare both options against what staff need at checkout, along with the cost of software and peripherals.
Clearly supports a range of POS connections. Share your POS name, edition and version, and we’ll check the available integration and terminal options so you can understand what would change at checkout.
Yes. Clearly offers compatible terminals and POS options for contactless cards and supported mobile wallets. We’ll help you choose equipment and payment methods for your store.
Yes. Clearly offers in-person and eCommerce payment options, helping you plan checkout and reporting across both channels. We can also review how your chosen POS and online store handle inventory, customer records and returns.
Get same-day or next-day funding with eligible merchant accounts, helping you keep cash available for stock, payroll and everyday expenses. Clearly will explain your funding schedule and batch cut-off times before you switch.
Supported POS and account configurations offer multi-location reporting and controls. Describe the locations, access requirements and reporting you need so Clearly can confirm the appropriate arrangement. Larger operations can discuss Enterprise requirements.
It can. Clearly can review your current statement and compare processing, equipment and software costs with a proposed setup. You’ll see where there may be opportunities to reduce costs and which pricing model fits your store.
Clearly handles the payment-security technology and provides managed PCI compliance support, including help with required validation. Your team follows the relevant security practices for your store, with Clearly helping you through the process.
Bring a recent processing statement, approximate sales volume and transaction count, POS details and the payment channels you need. Tell us about seasonal peaks, new locations and any recurring, gift-card or remote-payment requirements. Do not send customer card data.
Tell us about your checkout, POS and sales channels. We can help compare the equipment, payment tools and pricing that fit your retail business.
Discuss Your Retail Payments