Retail & boutiques
Credit Card Processing for Thrift and Consignment Stores
A thrift or consignment store rings up one-off finds at the counter, with prices and inventory that can vary from item to item. Some shops also take payment for items held for pickup or settle consignor proceeds separately from customer sales.
Credit card processing for thrift and consignment stores starts with what you already pay. Send one recent statement and a person reads your merchant account for thrift and consignment stores line by line. Free, with no obligation.
Short answer
Can a thrift or consignment store get a merchant account?
Yes, most thrift and consignment stores can. The processor reviews the business, its owner and processing history before deciding, so approval cannot be promised. Unique used items need clear sale records, with consignor proceeds tracked separately. We can review one recent processing statement at no cost.
What businesses like yours need
What thrift and consignment stores need from processing
- Countertop chip and tap payments for changing baskets of used goods
- Inventory records that can track one-off items or consignor stock
- Split payment handling when a customer uses more than one tender
- Card-not-present payment for an item reserved or sold remotely
Products that fit
Setup that tends to fit
A countertop terminal works for straightforward checkout, while a POS with item-level inventory can help track one-off merchandise. Stores taking remote orders may also need a virtual terminal or online checkout.
Some thrift and consignment stores also look at a cash discount program. Rules vary by state and by card brand, so read how cash discount credit card processing works and confirm with your provider before you use one.
Not sure what you have now? Your statement shows it. Compare common systems on our POS system comparison.
Systems we often see
POS systems and processors for thrift and consignment stores
- Korona POSRetail POSCloud retail POS that works with many processors.
- DejavooPayment terminalsAndroid terminals, from the pocket-size P12 to countertop QD models.
- PAX A80Payment terminalsAndroid countertop terminal with a keypad and built-in printer.
We are not an official partner or reseller of any POS brand. Brand names are used only to describe the systems we see on statements.
What to check on your statement
We check these and every other line during a merchant statement analysis. New to statements? Read how to read a merchant statement.
- Keyed transaction surcharges matter when staff enter a card number instead of taking the card at the counter
- Monthly minimums can be noticeable in quieter sales periods
- Terminal or software lease lines deserve review against equipment the store actually uses
Send one thrift or consignment store statement. We read every line and tell you what each fee is.
Send your statement for a free reviewThrift and consignment stores: common questions
Can a thrift or consignment store qualify for a merchant account?
Most do. The processor decides approval based on the business, the owner and processing history. We help find a fit, but we cannot promise approval.
What should I send for the free statement review?
Send one recent monthly statement with every page. A PDF or clear photos work. Upload it on our contact page and a person will read every line.
Can checkout track consigned items separately?
Some POS systems can associate items with categories or consignors. Ask how the system records sales and reports proceeds before choosing a setup.
Do phone or online sales appear differently?
They may be processed as card-not-present transactions, unlike a card tapped or inserted at the register. The statement review can identify the related fee lines.
Send one statement. We read every line, free.
Upload one recent statement from your thrift or consignment store. A person reads every fee and explains it in plain English. Free, no obligation.