Ready to accept cards at the counter without the headaches? We deliver retail merchant accounts with fast POS systems, modern card readers, competitive rates and next-day funding - built for the way brick-and-mortar shops actually operate.
Our team helps retailers accept payments quickly and affordably at the point of sale. You will work with a dedicated account manager who helps you choose the retail payment solutions that fit your store - from a single register to a multi-location chain.
We integrate retail credit card processing with the POS and inventory software you already use - no technical skills required. Once you apply, you will complete a short application covering your store, its size and your processing volume. After we review your information, our retail payment processing team finishes setting up your merchant account.
From boutiques and convenience stores to specialty shops and growing retail chains, we provide affordable, reliable retail credit card processing with the hardware and support to keep your checkout line moving.
Everything you need to accept payments and grow with confidence.
There are many compelling reasons to choose Karma Card Payments for processing credit card transactions in your retail store. Here are the key benefits our retail payment solutions offer.
Our retail payment systems are designed to speed up checkout and grow your store. We give you secure, modern hardware and software - from countertop terminals and mobile card readers to full POS systems that accept tap, chip, swipe and digital wallets.
Chargebacks and disputes can hit any retailer. We help you reduce them with EMV chip and contactless acceptance, clear receipts and dispute support, protecting your revenue and keeping your retail merchant account in good standing.
Fraud prevention is built into every in-store transaction we process. Our solutions support EMV, tokenization and address verification to flag suspicious payments - protecting your store from counterfeit cards and costly fraud losses.
Retail comes in many forms. We provide reliable in-store payment processing for shops, chains and pop-ups of every size.
Share your contact details and a member of our retail payment processing team will schedule a call to build the right POS and merchant account for your store.
Answers to the questions retailers ask us most about POS systems, card readers, fees and getting approved.
We provide complete retail payment solutions so you can take every kind of card at the counter:
POS systems: Full point-of-sale software with inventory, reporting and staff management for stores of any size.
Card readers: Countertop terminals and mobile readers that accept tap, chip, swipe and digital wallets like Apple Pay and Google Pay.
Online add-on: Add a payment gateway so your store can sell on your website too.
Retail processing fees typically range from 1.5% to 3%. Card-present retail sales are lower-risk, so rates are usually better than online-only processing.
We offer transparent retail pricing with no surprise fees and competitive rates that keep more of every sale in your pocket.
To speed up approval of your retail merchant account, gather the following before you apply:
Your website should use an SSL certificate and HTTPS and include your legal business name, contact details, a Privacy Policy, Terms & Conditions, a Refund and Return Policy, and clear pricing so underwriting can approve your account quickly.
Yes. We supply modern POS systems and card readers and can set you up with next-day funding so your retail sales reach your bank account fast. Your dedicated account manager helps you pick the right hardware for your store and gets you running quickly.
Most retail merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Submitting accurate statements and business details up front is the fastest way to get your account live.
