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Retail Payment Processing

Smart terminals, Point of Sale, Zero-cost processing and more for retailers and eCommerce merchants

Smart terminals

We know retailers have limited resources and need to manage their time effectively. That's why AND offers low-cost smart terminals with all of the latest features:

  • EMV and PIN entry

  • Contactless (NFC and Apple Pay)

  • Inventory management

  • WiFi / Cellular connectivity

  • No quarterly PCI scans required

  • And more!

What's included in your AND account?

We make this easy. AND accounts give you access to the tools you need, and the lowest rates out there:

          Membership Pricing with no surprises OR

          Zero-cost processing options

          AND gateway with email invoicing

          Take in-person, phone, or online payments

          Accept ACH / eCheck payments

Retail merchants AND supports

AND works with all types of consumer-facing businesses. Clothing and shoe stores, hardware, books, electronics, auto-repair, spas and beauty parlors, and the list goes on... if you are in a storefront environment, AND can support you!

AND gives you tools to succeed

The AND gateway streamlines your payment processing needs by providing a virtual terminal and invoicing along with a secure customer database. Now, if you need to take a payment over the phone, you can store your customer's data for later use. Or, setup a recurring payment plan with just a few mouse-clicks. All of this is included in our membership and zero-cost accounts, so you're always covered.

Zero-cost processing:

reduce fees by 90%

As businesses look to reduce costs, an easy start is to "pass along" credit card processing fees to your customers. This is a well-known practice, think about gas-stations. You pay less if you pay by cash, and consumers have no problems with this. In many retail markets, consumers don't mind paying a small premium in order to utilize a credit card on their purchase. So, why pay upwards of 3% if you don't have to? Let us guide you through zero-cost.

Use our open API, or any gateway you wish

We offer several gateway options. Built-in for free is our AND gateway, utilizing an open API so that you can plug into any system you want, with no additional fees. It is pre-integrated with WooCommerce and Quickbooks for easy setup. Or, use any third party gateway you wish, such as, NMI, USAePay, and many more. We can guide your organization on choosing the best technology for your specific needs. 

Learn how everything works

Point of sale, PCI, smart terminals... we get it, there's a lot going on. Let AND guide you through the details. Check out our FAQ page to see side-by-side charts explaining program differences, common definitions, and more. Our goal is to ensure our merchants are knowledgeable about all options.

We're serious about saving money.

AND is dedicated to getting your processing rates as close to zero as possible. We utilize membership pricing along with cash discounting and surcharging programs to maximize savings. Let our analysts review your statements and see how much money we can put back in your pockets. 

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