Retail 2018-08-10T17:55:05+00:00

Your retail business needs options. We can help.

Choose a non-Reverse My Fees account and your rates are locked with us. No rates creeping up when you aren’t watching. We give you all the tools to pay the least in fees with a Save Smart Guarantee.

Alternatively, choose a Reverse My Fees account and your processing fees are 95% covered.

Ready to Start?

Stillwater Payment’s industry-leading payment service and support staff are ready to take your payment system to the next level. Let us show you how.




You deserve the best credit card processing for your business, right?

Stillwater Payments’ Rate Lock means you will never experience a fee increase. Next Day Funding is also included with our programs so that you can enjoy the benefits of fast deposits and improved cash flow.

Stillwater Payments’ customers also benefit from our two guarantees – our Save Smart Guarantee and our No Risk Price and Service Guarantee. Be sure to ask us about each of them because they can make all the difference in the world for your business.

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Stop paying processing fees

Why are you paying processing fees when your customers use their credit card for payment? Stillwater Payments’ Reverse My Fees program will eliminate up to 95% of your credit card processing fees.

If the customer decides to use a credit card when checking out, a surcharge is automatically calculated by the terminal and added to the customer’s charges as a separate line item on the receipt.

Learn More About Eliminating Fees

Do you need a Point of Sale system, or just a cash register?

We help you to determine what best fits your business. Have a POS you’re in love with? Great! We integrate with too many systems to list. 

Do you need POS functionality, inventory, a time clock, detailed reporting, or maybe just a cash register? We’ve got you covered.

Contact Us For POS Assistance

Use your computer as a POS and store payment information securely

Add an EMV device to your computer and securely accept EMV transactions on your PC.  You can also use a virtual terminal (VT) for recurring payments, which automatically bill on a specific date. Store customer payment data securely to use for future payments or recurring payments.

Our VTs are PCI compliant never disclosing full card or account numbers.

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Shoppers love gift and loyalty cards

Retail shoppers love gift and loyalty cards. Not only do they make great gifts that can be given to family and friends but you can use them to reward your best customers. Gift and loyalty cards also offer you a great way to build brand awareness. Stillwater Payments offers branded, plastic gift cards have a stored value and mobile gift cards. Flat rate monthly fee unlimited transactions or monthly fee plus transaction fee, choose what best suits your business.

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Reputation management and customer referral system

Nearly 9 out of 10 consumers trust an online review as much as they trust a personal referral. Stillwater Payments has partnered with Referrizer to make it easier than ever for small businesses to request customer reviews and set up their own referral rewards program.

Great discounts are available for Stillwater Payments’ customers.

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Collect payments on the go

Mobile payments are great for deliveries or a backup if the power is out or internet is down.

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Need money fast for your business? Look no further!

We have multiple business financing options available including:

  • merchant cash advance,
  • gross receipts loan,
  • new business equipment financing, and
  • Point of Sale equipment leasing.
Explore Financing Options

Online payment options for every retailer

Connect with our competitively priced shopping carts, or we can integrate with yours.

Secure payments on your website via Shopify, 3DCart, WooCommerce, or Big Commerce that are easily expandable with additional features. Looking for another shopping cart? We have numerous integrations with other shopping carts if you’ve decided on another.

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emv terminal

EMV credit card terminals

No stripped-down models here. We have only the best terminals, all with a full Infinite Warranty for the lifetime of your merchant account, offered at great prices. Every terminal includes P2PE encryption for maximum protection at no extra charge. All terminals are protected with our Infinite Warranty.

We offer Ingenico, Verifone, POYNT, Dejavoo, Pax, and FD credit card terminals.

Let’s Talk About Your Options