Retail & specialty stores
Retail checkout with no hidden markup
When your margin on an item is a few percent, the processor's markup can be the whole profit. A program priced from your own statement puts the lowest price on your most common sales and shows every line, so you can price with your eyes open.
Example
For a specialty store doing $45k a month in cards paying 3% today:
An estimate for a typical card mix, not a promise. Your quote shows the exact figure.
Sound familiar?
What's eating your margin
Thin margins, high card mix
On low-margin goods, a hidden markup can wipe out the profit on the sale.
"Non-qualified" surprises
Tiered plans push rewards and business cards into the top bucket, and most of your customers carry one.
Statements nobody can read
Three pages of tiers, bundles and fees, and no way to tell what you actually paid for.
What you get
Built for retail
Priced from your statement
Every card at its wholesale cost, your most common sales priced lowest, every line on your quote.
Barcode and inventory
Scan, track stock, set low-stock alerts and manage variants and vendors on Clover.
Fast lanes
Tap-to-pay, quick keys and a customer-facing display keep the line moving.
Loyalty and gift cards
Bring customers back with rewards and sell gift cards from the same terminal.
Contractor accounts
Selling to contractors or businesses? Level 3 data lowers what their business cards cost you.
Deposits, explained
Every deposit matched to its sales and fees in your Mojo Payments portal.
Recommended setup
The hardware retail use most
What switching looks like
What switching to cost-plus looks like
“Most of our sales are small debit tickets, and they were billed like premium credit cards. The new program priced those lowest and showed us every line. Same Clover, same staff, about $600 a month less.”
“Half our customers pay with purchasing cards. Once our invoice lines went with the payment, those cards started costing us about a point less.”
“I was skeptical, because every processor promises savings. They showed me the math on my own statement, line by line. No contract either, so there was nothing to lose.”
Illustrative scenarios based on typical merchant results, not customer reviews. Individual savings depend on volume and current rates.
How it works
From statement to switched in three steps
You spend about 30 minutes. We read the statement, set up the equipment and handle the paperwork.
Apply and upload statements
Apply online and upload recent statements from whoever processes your cards today. Within 24 hours we show you, line by line, what's interchange, what's markup and what's junk.
See your cost-plus quote
Your wholesale cost stays the same. Every other line shows today's price next to ours, in dollars a month, with the card mix behind it. If we can't beat what you pay now, we'll tell you.
Go live and watch it
We set up your card terminals, often the ones you already own. Then every deposit and fee is in your portal, line by line.
FAQ
Retail payment questions
How much can a retailer save on cost-plus?
It depends on your card mix and average sale. Stores with many debit cards or larger tickets usually save the most. Your free statement review shows your number.
Can I keep my barcode scanner and receipt printer?
Often yes. Clover Station and Mini work with many common USB scanners and printers. We check compatibility during your review.
We sell to contractors. Does Level 3 help?
Yes, when they pay with corporate or purchasing cards. Their invoice line items go with the payment and those cards qualify for a lower rate. Learn more.
Your quote
See all the math. Free, in 24 hours.
Apply online and upload a statement from any processor. We'll show you every line of your bill next to what it would be with Mojo Payments. No contract, no pressure, and if we can't save you money we'll say so.