Payment processing for retail & e-commerce
Counter, online, and phone payments in one account, with a statement you can read.
Interchange-plus passes each card’s real cost through, so your high-ticket work isn’t priced like someone else’s coffee. (Interchange: the wholesale fee set by the card networks — identical for every processor.)
How you might take payments
- In store: a card terminal at the counter, or a handheld, depending on your layout.
- Online or by phone: a virtual terminal or payment links opened in a web browser.
- Everything under one account, with a statement that itemizes interchange and our markup.
Equipment and software requirements
- Accepted payment methods depend on the device you use. Terminals we list read chip and contactless cards; check the hardware page for each model.
- A standalone terminal needs only power and an internet connection. A terminal connected to your POS needs review.
- Existing equipment may or may not be usable, depending on model, configuration and provisioning.
What the written proposal contains
- Your current cost as you reported it, and the effective rate it implies.
- The pricing we would propose, with interchange and our markup on separate lines.
- Equipment, if any, and any other costs that apply.
- The setup we recommend for your POS or software, and what we could not verify.
What happens after you inquire
- We review what you sent. We may ask follow-up questions, especially if volume is under $20,000 a month or marked "I'm not sure".
- We send the written comparison.
- You decide. There is no obligation to switch.
- If you proceed, we confirm equipment and setup before anything changes.
Will Puna Pay work with your setup?
It depends on what you use today. Here is how we describe each case. Tell us your POS or software in the rate review and we will say plainly which one applies.
- Confirmed integration
- Bittsi PIMS, our veterinary practice software, is a confirmed integration with Puna Pay. This is the only third-party software we name as integrated.
- Standalone terminal
- A card terminal that works on its own, next to whatever POS or software you already use. You key or enter the amount on the terminal; it is not linked to your software.
- Browser-based tools
- Virtual terminal and payment links you open in a web browser. They do not require your POS or software to connect to us.
- Setup requiring review
- Anything else — a specific POS, an e-commerce platform, existing hardware you want to keep. Whether it works depends on the model, configuration and provisioning, so we review it before saying yes or no.
Questions retail & e-commerce businesses ask us
Browser-based tools such as a virtual terminal and payment links work without a physical terminal. Whether Puna Pay can connect to your specific online store platform or checkout needs review, so tell us what you use and we will say plainly what applies.
It depends. Bittsi PIMS is the only confirmed integration. Many setups can run a standalone terminal next to an existing POS; others need review before we can say. Tell us the POS name and version in the rate review.
Not necessarily. Whether an existing terminal can be used depends on its model, configuration and provisioning, and some businesses only need browser-based tools. We confirm equipment in your written comparison, before you commit.
Your business type, monthly card-processing volume (or "I'm not sure"), and optionally last month's processing fees, current processor and POS or software. No statements, card numbers or bank details.
Find out where you stand
Tell us your monthly card-processing volume and what you paid last month. We’ll review it and send a written comparison.
Request a free rate review