Retail payment processing and Clover POS

Retail payment processing built around fast checkout, clear pricing, and the right Clover setup

SecureTrust helps retail stores configure Clover POS, customer-facing checkout, receipts, staff permissions, item management, inventory workflows, virtual terminals, gateways, and payment programs around how the store actually sells.

We pair that workflow review with published 2.00% + 3¢ standard processing and an optional Dual Pricing program so the checkout system and the processing economics are evaluated together.

Serving businesses across Florida, with sales representatives in New York and additional expanding markets.

SecureTrust standard processing
2.00% + 3¢

Per transaction for approved SecureTrust merchant accounts.

Monthly platform fee$25
Cash Discount program$9.99/mo
Dual Pricing automation on CloverAvailable
Account supportDedicated agent

Clover hardware, software, gateway, leasing/financing, and other optional or account-specific charges may apply depending on the selected configuration. Card-brand assessments are not added separately on top of SecureTrust standard 2.00% + 3¢ processing.

Fast checkout

Counter payments, customer-facing checkout, receipts, tap/chip workflows, and a setup designed to keep the line moving.

Items, inventory, and staff roles

Configure products, categories, taxes, employee access, permissions, reporting, and inventory-related workflows.

Payment cost strategy

Compare SecureTrust standard processing with Dual Pricing based on monthly volume, transaction count, average ticket, and checkout flow.

Dual Pricing for retail

The Clover checkout can handle the customer-facing payment math automatically

When the approved Dual Pricing program is configured on Clover, staff do not need to manually calculate the card-price difference.

SecureTrust also does not keep the added card-price difference as an extra markup. The full card transaction is processed at the approved rate, and the remaining card-price value stays with the merchant.

Example
$100 base price → $103 card price
Customer pays by card$103.00
2.00% processing$2.06
Transaction fee$0.03
Merchant receives after processing$100.91

Example shown for illustration. Actual Dual Pricing structure, customer-facing price difference, and account-specific costs depend on the approved merchant setup.

Clover POS options for retail stores

The best Clover device depends on counter space, customer-facing checkout, mobility, receipts, cash drawer needs, and whether staff take payments away from the main register.

Clover Mini

Compact countertop POS for smaller checkout counters, front desks, boutiques, service counters, and stores with limited register space.

Clover Station Duo

Full retail checkout setup with merchant-facing and customer-facing screens, receipt printer, and cash drawer workflow.

Clover Flex

Handheld checkout for floor sales, curbside pickup, line busting, mobile checkout, and payments away from the main register.

Compare devices on our Clover device comparison.

Retail workflows SecureTrust can help configure

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Counter checkout
✓
Customer-facing payment flow
✓
Printed or digital receipts
✓
Item and category setup
✓
Inventory and stock visibility
✓
Employee permissions
✓
Returns and exchanges workflow
✓
Virtual terminal or phone payments
✓
Dual Pricing workflow

Retail statement review before switching processors

Retail statements can include transaction fees, keyed-entry costs, gateway fees, monthly charges, equipment costs, PCI-related fees, batch charges, and other account-level costs. The headline rate alone does not tell the whole story.

✓
Monthly processing volume
✓
Monthly transaction count
✓
Average ticket size
✓
Current effective rate
✓
Card-present vs keyed transactions
✓
Gateway and monthly fees
✓
Clover equipment and software
✓
Returns and refund workflow
✓
Online, phone, or invoice payment needs

SecureTrust does not sell Interchange Plus to retail merchants

Interchange Plus can look attractive because the processor markup is shown as a small percentage. But the merchant still pays the underlying interchange, card-brand costs, transaction charges, and other fees.

SecureTrust currently focuses on its published 2.00% + 3¢ standard processing structure and available Dual Pricing program instead. We can still review an existing Interchange Plus statement and compare the real effective cost.

Dedicated account support

Your agent stays involved after the retail setup goes live

SecureTrust agents remain involved with the merchant relationship, giving retail owners a continuing point of contact for Clover setup, statement reviews, payment programs, equipment, processing questions, and support.

Retail payment tools beyond the checkout counter

Virtual Terminal

Phone payments, keyed transactions, customer deposits, back-office payments, and other remote-payment activity.

Virtual Terminal →

Payment Gateway

Website checkout, hosted payment pages, invoice payments, payment links, and online customer payment workflows.

Payment Gateway →

Merchant Services

Review the complete payment account, pricing structure, equipment, workflow, statement costs, and support model.

Merchant Services →

Retail payment processing questions

What is SecureTrust standard retail processing pricing?

SecureTrust standard processing is 2.00% + 3¢ per transaction for approved SecureTrust merchant accounts, plus a $25 monthly platform fee.

Can retail stores use Dual Pricing?

Yes, depending on the approved merchant setup. SecureTrust can configure Dual Pricing with Clover so customer-facing pricing is handled through the POS workflow.

Does SecureTrust keep the added card-price amount?

No. SecureTrust processes the full card transaction at the approved rate and does not keep the added card-price difference as an extra markup. The remaining amount stays with the merchant.

Does SecureTrust offer Interchange Plus for retail merchants?

No. SecureTrust currently focuses on its published 2.00% + 3¢ standard processing structure and other available merchant programs rather than Interchange Plus.

Which Clover device may fit a retail store?

Clover Mini may fit compact retail counters, Clover Station Duo may fit a full checkout counter with a customer-facing screen and cash drawer, and Clover Flex may fit floor sales, curbside checkout, or mobile retail payments.

Can SecureTrust review my current retail merchant statement?

Yes. SecureTrust can review monthly volume, transaction count, average ticket, effective rate, card-present and keyed activity, gateway costs, equipment, returns workflow, and payment setup before recommending options.

Do SecureTrust retail merchants get a dedicated agent?

Yes. SecureTrust merchant accounts receive ongoing support from a dedicated agent who can help with Clover setup, payment programs, statement reviews, equipment, processing questions, and support after activation.

Build the checkout around the store

Want help choosing the right retail payment setup?

SecureTrust can review your current statement, checkout workflow, Clover device needs, inventory and staff requirements, and payment program before recommending a setup.