Payments tuned for hardware stores
At Hardware Stores, card mix, ticket size, and timing change your true rate more than a headline quote ever will. Your reality on the ground: counter and.
At Hardware Stores, card mix, ticket size, and timing change your true rate more than a headline quote ever will. Your reality on the ground: counter and contractor-account sales, with business-card savings on every order. We see statements go sideways when high-ticket sales triggering holds, declines, or steep fees stacks with no clear view of fees across multiple locations. You get high-ticket optimization, we make sure every swipe, dip, and tap settles at the lowest qualified interchange tier, and a written savings guarantee behind the rate.
Sound familiar?
These are the friction points we hear most often from hardware stores before a savings review.
- In-person sales billed at higher tiers than they actually qualify for
- Business and government cards costing far more than they should
- High-ticket sales triggering holds, declines, or steep fees
- No clear view of fees across multiple locations
- Statements you cannot actually read or verify
How hardware stores get paid
Your underwriting, equipment, and pricing should match this flow, not a generic countertop setup.
- Deposits and progress draws on big jobs
- Per-location volume with different ticket profiles
- Rollouts across new stores or branches
- Counter tap, chip, and contactless for in-person checkout
- Register and front-desk volume during peak hours
What we configure for your vertical
- Multi-location reporting under one relationship
- Pre-programmed hardware for new sites
- Best card-present pricing: EMV and tap-to-pay tuned so swiped and dipped tickets qualify correctly
- Fast EMV terminals with contactless enabled
- Interchange review so card-present tickets land in the right tier
Worth knowing before you switch
- Keyed card numbers widen PCI scope and inflate CNP pricing
- High-ticket sales triggering holds, declines, or steep fees
- No clear view of fees across multiple locations
How Gateway helps
Practical outcomes we configure for hardware stores, on top of transparent interchange-plus pricing.
Best card-present pricing
We make sure every swipe, dip, and tap settles at the lowest qualified interchange tier.
Level 2 & 3 optimization
We pass tax and line-item data automatically so B2B and government cards qualify for the lowest rates.
High-ticket optimization
Right-sized limits and clean settlement so large sales clear and cost less.
Multi-location clarity
One partner and clean reporting across every location you run.
Real human support
A dedicated specialist who actually answers, plus our written savings guarantee.
The bottom line
- Multi-location reporting under one relationship
- Pre-programmed hardware for new sites
- Best card-present pricing: EMV and tap-to-pay tuned so swiped and dipped tickets qualify correctly
- Fast EMV terminals with contactless enabled
Common questions
Yes. Mobile EMV, counter hardware, and pay-by-link so you collect when and where work happens.
Related industries
Ready to lower your hardware stores fees?
Send one statement. We’ll show you exactly what you could save, with no commitment.