“We recently converted our POS and credit card processing over to Fusion Payments. The setup and process was extremely easy. Communication and response time was very fast!! I would recommend any of their services.”
Retail
30¢ a swipe doesn't sound like a fee. At 2,400 swipes a month, it is.
Fusion Payments builds retail credit card processing: a counter terminal that keeps the line short, keyed and phone orders priced honestly, a web store that posts to the same ledger — and yesterday's batch in the account before the doors open.
- Boutiques & specialty
- Grocery & convenience
- Storefront + online
The review is free · bring one month’s statement
Fusion Payments — The fee math
Figures illustrative*
The percentage scales with the sale. The 30¢ hits every transaction, however small.
On a $32 basket the percentage is 93¢ — and the flat 30¢ rides on top, twenty-four hundred times a month, netted out before anyone reads it. At retail volume, the smallest number on the schedule becomes its own payroll line.
One month, as it posts April · card payments only
Card sales — single storefront
- Settled by card
- $76,800.00
- Average basket
- $32.00
- Card fee — 2.9% + 30¢ × 2,400
- − $2,947.20
- Deposited
- $73,852.80
What that line costs in a year
- One month
- $2,947.20
- Of it, the flat 30¢ alone
- $720.00
A year, at that pace
$35,366.40
equivalent: a full-time stockroom hire at $17 an hour, year-round — paid to the processor, and nobody stocks a shelf
The other way to run it
A cash price and a card price, at the shelf and the register.
The card price carries the cost of acceptance; the shop keeps the price it set — on card volume, the fee line goes to zero. It is a different mechanism from surcharging, it works the same on a $6 basket as on a $600 one, and it is priced against your own statement, not a brochure.
Read the worked ticket* Figures illustrative — one representative month at a 2.9% + 30¢ blend. Your rate, card mix, basket size, and card-not-present share differ, and fixed monthly fees are not shown. Bring a statement; we total yours line by line.
Where the shop takes cards
Four places a shop sells. One ledger, funded by morning.
The register is the busy one. The other three run on the same rail — and the whole day is in the account the next business day.
-
At the register
01 The line stays a line
Tap, chip, or wallet at the counter terminal, receipt printed or texted — checkout in seconds, at Saturday volume, without the queue reaching the door.
runs: counter terminal · tap, chip, wallet · seconds a basket
-
Over the phone
02 Keyed entry, priced honestly
A phone order keyed at the counter is card-not-present, and card-not-present costs more everywhere — so the schedule says so plainly, as its own line, instead of burying it in a category you find in month three.
keys: keyed entry · its own line on the schedule · no surprise category
-
In the cart
03 The web store sells the same shelf
The site’s orders settle through the same stack and post to the same ledger as the register, with inventory and accounting kept in step — one book, not two.
syncs: store ↔ site · one ledger · no double bookkeeping
-
Next morning
04 Yesterday is in the account
The day’s batch funds the next business day, matched transaction to deposit — the register total and the bank line agree before the doors open.
funds: batch → deposit · next business day · before the doors open
* Funding times are typical for standard batches, not a promise — your schedule states yours plainly, and we read it with you.
Fusion Payments — The other practice
Your website, handled.
Fusion Payments builds and hosts the sites its payment stacks run behind — one vendor, one accountable team, from the first visit to the deposit. If yours is due for a rebuild anyway, ask about the website program.
See the web practice
terms: asked for, not posted — priced alongside your statement reading
The storefront
The store closes at six. The register doesn’t.
-
The counter keeps pace
Tap at the register, receipt by text or paper, and the line at peak stays inside the store. The terminal is the fastest fixture in the room.
runs: checkout in seconds · receipt either way
-
The site sells the stockroom
The web store and the register share one ledger and one inventory truth — an evening sale online is the same book entry as an afternoon sale at the counter.
syncs: one inventory · one ledger · no second processor
-
Yesterday reconciles itself
One batch, matched to the deposit, funded the next business day. The morning count is a glance, not a project.
posts: batch ↔ deposit · next business day
Fusion Payments — From the record
Source: Google · Reproduced verbatim
On switching the register over without drama.
extract: 01 of 07 on record · uncompensated, unedited
The complete recordFusion Payments — Questions from the shop floor
Asked at the counter. Answered plainly.
Five questions shop owners actually ask, answered the way we answer them on the phone.
- Index
- 05 questions
- Revision
- 2026-08
- Asked of
- A person, first
IDQuestion
Q-01Do I have to replace my POS?
Often, no. Where your POS integrates with the terminal, we keep it and switch the processing underneath; where it doesn’t, we say so before anything is signed — not after. Bring the POS name to the statement review and the answer is part of the reading.
see: The counter stack
Q-02Do keyed and phone orders cost more?
Yes — card-not-present carries higher interchange everywhere, from every processor, because the card networks price the risk of a card that isn’t tapped. What differs is whether you can see it: on our schedule keyed entry is its own plainly stated line, not a downgrade category discovered three months in.
Q-03When do I get funded?
Next-day funding is typical for standard batches — the day's batch settles overnight and the deposit is matched to it, transaction for transaction. Cut-off times and weekends move the edges, and your schedule states the exact terms; we read that line with you rather than around it.
Q-04Can the web store and the register share inventory?
That is the point of one stack. The site and the counter settle through the same rail into one ledger, and inventory and accounting integrations keep the two fronts in step — bring the platform names (Shopify, QuickBooks, whatever runs the shop) to the review and we confirm the path before anything is signed.
Q-05Can I post a cash price and a card price?
Yes. Cash discounting posts two prices and lets the customer’s payment answer for its own cost — a different mechanism from surcharging, worked through plainly on the payments page with a real ticket. Whether it fits a shop depends on ticket size and card mix, which is exactly what the statement review is for.
see: The worked ticket
*If your question is about a specific POS, cart, or accounting platform, ask it at the review — with the statement on the table, the answer is usually a demonstration.
Start here
Tell us how your organization needs to show up and get paid.
We map the practical path from the website to the transaction and the systems behind it.
call: (407) 395-2832 · a person answers, not a queue
write: info@fusionpayments.com · read by the people who build
* The first conversation is a reading, not a pitch — bring last month's processing statement and leave with every line on it explained. No fee, no obligation.
