Drive your business with a versatile restaurant pOS system from Dual Payments

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You May Qualify For A Free Retail Point Of Sale System!

Click here to check out if you qualify for a free system.

Versatile POS System for Retail

Your payment processing solution should be as simple and user friendly as possible. If charged a flat rate, retail stores’ and retail businesses’ rates should not vary and will be unchanging regardless of other factors.

Dual Payments’s Retail POS System has an easy to access interface and dashboard. It is a tablet based point of sale solution and can be used on a tablet like an iPad. It was started and designed to help streamline small businesses and help them to begin running with more efficiency and speed, and expand their bottom line. 

It’s a complete and entire POS solution that makes taking in-store payments and online payments painless, by capturing key business information and delivers all the benefits of more expensive Point of Sale systems without the high Point of sale price tag. 

Dual Payments’s Retail POS Systems also offer free of cost processing apps, which lets you focus on managing your customers and social media advertising easily from any locations. Dual Payments helps drive and build your retail business by keeping you close to your customers and enhance your performance.

Many other payment processing companies opt to use interchange-plus pricing, which basically charges a markup on top of an initial fee or service charge to get themselves additional commission. 

Keeping your customers can actually keep fees lower, too. Complying with PCI compliance rules will result in less fees. PCI compliance fees stem from a business failing to keep proper safety and security standards. So, keeping yourself safe will actually result in less overall fees.

Many smaller businesses elect to use square POS systems for their business. It provides an easy and convenient way for small businesses that do not process a large amount of transactions per month to process transactions. However, where Square for retail stores falls short is in the fees that they charge. They tend to charge higher rates, which is one of the reasons that it’s mostly smaller businesses that decide to process integrated payments with them. Your fees will grow as you grow your business.

For businesses that mostly sell product online, many set up an ecommerce integrated website through Shopify POS software. They are popular for their lower fees than other online processors. However, they fall short in offering brick and mortar POS systems.

Our fast and efficient retail POS software accepts credit and debit through our retail payments processor. With Dual Payments, you can feel safe in knowing that it accepts credit card payments from all major companies and even mobile payments through your mobile phone or device, like Apple Pay. All purchases will be easily accepted with data security in mind, giving peace of mind to both the customer and the retail merchant account.

The gateway that Dual Payments uses will accept credit cards, debit cards, and even gift cards. Whatever the type of card, the transaction will be secure. Your retail business can feel safe and secure from any card information getting mishandled, as the majority of credit card payment processors are forced to comply with PCI standards.

Some payment processors offer cloudbased retail POS systems, which basically takes away the Point-of-Sale server moves the traffic from all transactions to a different sales channel.

POS software allows you to accept credit, debit and gift cards. However, it is much more than that. They differ from credit card terminals by having cash drawers and providing check acceptance. Additional POS software features and options, like accepting mobile or electronic payments through a mobile device or phone, can vary depending on the model.

A retail POS solution might have inventory tracking and management software that is similar to the types of tools and features of a restaurant POS system, but the two machines are still very different. Retail POS should be used for retail shops, just as restaurant POS should be used for a restaurant. This is due to a variety of different types of features and options for each terminal that is meant for the type of business that it was designed for. For instance, a restaurant POS solution is capable of tracking food inventory and food cost.

Dual Payments doesn’t lock you into a contract for months upon years like other companies that process payments. We work based on month-to-month contracts. So, if you become dissatisfied for whatever reason, you can end your account and leave at any time or day that you want. 

Many competitors charge high prices just for their terminals. Here at Dual Payments, we offer you a terminal at no charge to you for as many months as you process with us. If you ever decide to move on and choose a different processor for whatever the reason, you just simply return it to us, still at no charge to you.

Many POS terminals come with features and tools aimed to help you. Many come with management tools that can help you with inventory tracking and reports, as well as give you sales reports. While having your POS system take care of reporting and analytics is completely optional, it has the potential to save you, the retail store owner, the time of having to provide real time reports.

POS software can come with integrated project management software. This integrations with this software can essentially help you monitor and track things like time, distribution and budgeting.

They can also help with many management projects. From employee and team management to retail management, your POS software should be able to help you check all your management tasks at once.

If your business has customer loyalty programs available to customers, your POS system can help with that as well. It includes the ability to help you connect people with the loyalty program, as well as accept membership from customers that wish to be added to the loyalty program.

Some terminals even come installed with a help desk software that helps the business owner manage customer requests and customer care issues. This will help you enhance your customers’ loyalty.

POS systems also typically includes capabilities and detailed analytics that help you create a customer profile. Customer profiles are basically a list of your current and repeat customers and shows their interests, demographics and more that can help you push a product or service towards a particular person. It will enhance your chances to make sales by offering a product your customer is interested in, and gives the consumer the chance to purchase a product that interests them that they may not otherwise have been able to find.

At its floor, POS systems should be able to be barcode scanners and payment processors. It should help improve your sales and include almost anything else you could want. However, complex POS isn’t for everyone, and your business might benefit from just a simple barcode scanner and card reader.

The Bottom Line

When choosing a POS system for your business, consider the size of your business and if you are trying to grow your retail business. Your business size should affect your decision, as different POS systems are meant for differently sized businesses.

All businesses need to accept payments through alternate channels besides cash, no matter the market, business size or industry. Trends suggest that the use of cash will keep dwindling further and further, making it crucial that your business accept alternate payment methods. 

So, how will you do it? We know how complicated choosing POS software can be. Shift wants to help you learn about and use your POS properly. If your company is deciding between multiple different POS terminals, learn which one is completely customizable and includes the ability to be tailored to your exact needs and purchase that one.

However, if you view yourself wanting to combine a few different programs into one for a more simplistic set up, you might consider a system with more advanced features.

Some POS will contain features that can track and maintain your accounting and finances, similar to features you’d find in Quickbooks. The features that your POS will come with is entirely up to you. If you don’t need help with your accounting, then opt for a cheaper option with less features.

Ask yourself what you want out of your type of POS system. Do you want an advanced, all-in-one retail terminal with features similar to Quickbooks like accounting and financial software? Do you want help with employee management from your POS terminal? Or do you plan on having an online store? If you plan to launch an ecommerce platform and sell items and products online, we recommend shopping cart software that will improve your sales and performance by allowing your customers to actually purchase items and products.

Do you want the top POS system with tons of advanced features? Or are you fine with a less complicated, simpler system? At the end of the day, t’s entirely up to your preference and your business size.

At the end of the day, the processor that you determine is right for your business is entirely up to you and your staff. Not everyone has experience with using all that software on one POS system, and that is perfectly fine. If a standard machine or reader is what is best for you and your business, we recommend going with what feels right for you.

A Complete Retail POS System That’s Easy To Use

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Lowest Swipe Fee

Keeping our per swipe fees low is our specialty because we feel that merchants that keep more revenue will be able to grow their business at a fast speed. When you win, Dual Payments wins.


Easy Setup

Set up your new Restaurant Management POS System and start to accept payments in the time it takes you to brew a cup of coffee. Print or email receipts to your customers upon checkout for strong customer service.



Access your business data from any internet enabled android devices, even on the beach! Manage transactions, stock, profitability, and customer information even when you’re on the go. Just connect to WiFi and you’re ready to go!

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Marketing Tools

Advertise your business with the included marketing suite. Create coupons, sales templates and track promotions all with ease. Don’t pay extra for high priced marketing tools, let us include that for you at absolutely no cost!

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Inventory Management

Our modern terminals have unlimited SKU’s that can be entered, so the sky is the limit! Don’t be tied down with a maximum amount of items your registers can handle. Add new items and products to your stock or menu at any time with Dual Payments.

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Full Back Office

Tracking your customer management and CRM data is easily done with Dual Payments custom global payment solutions for retailers and our ecommerce platform. Our specialty systems are designed with simple and detailed reporting and charts that will help you keep existing customers and bring in new ones.

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Help & Support

If you are running a new business, we at Dual Payments know that you have many decisions you’re required to make. You have to establish an ecommerce store, create designed pricing plans, and find a credit card processing company that you can bank on. We want to make this new stage as easy as possible for you, and we offer customer support to improve your experience.


Alternative Payment Methods

If it doesn’t sound like a POS solution is for you and your retail business, you may have better luck with standard terminals with credit, debit and gift card readers, also offered by Dual Payments. If you have any questions about anything in this article or would like to learn more, check out our blog’s resource library or get in contact and chat with us!

Dual Payments POS system-7

You May Qualify For A Free Retail Point Of Sale System!

Click here to check out if you qualify for a free system.

Features Of Our Retail POS System

Dual Payments has one of the most powerful POS software on the market, and we are proud of the feature set of our specialty products. Check out some of the key POS features below.

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Integrated Processing

With the Dual Payments Retail POS System, credit card processing is already included so you don’t have to worry about an extra terminal sitting beside your POS System.


Unlimited Inventory

Always add enough headroom for wherever you take your business in the future. With unlimited inventory built into the system, you are always ready for whatever is thrown your way.

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Email or Print Receipts

Ensure that you can deliver your transaction receipts in the format most preferred by each of your customers that you encounter. Email it and sign them up to your mailing list, or provide them a physical receipt with printers!


Easy & Safe Payments

Every payment that you take is secure end to end so you never have to worry about your data being at risk. Protect your customer database like you want your data to be protected through our powerful systems.

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Simplicity Defined

Employees today are used to a touchscreen environment, and the Dual Payments Storefront POS Solution gives your staff the familiarity to accept payments through an in store POS system that they know and expect without any required training on the devices. If they have any knowledge of tablets, like an iPad, they’ll have no problem using the software. Help your staff help you.

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Example of High Risk Merchants

  • 1-900 Phone companies – If you’re the type of company that charges people to have a chat on the phone, you’ll be considered high risk.
  • Adult Bookstores – Clearly a part of the adult entertainment industry, and an easy mark for the high risk tag.
  • Adult Entertainment – Any business labeled with the “adult” descriptor will automatically be assigned a high risk status.
  • Adult Toys – As “adult” is in the name, it’s an easy target for association with the adult entertainment market.
  • Airline Industry – Due to cancellations on high ticket purchases, this will put your airline company in the high risk category
  • Amazon Stores – By having a high rate of return, Amazon stores are seen as high risk.
  • Ammo Sales – Association with the weapons industry guarantees high risk status.
  • Annual Contracts – Any time an annual contract is involved it can be considered highrisk because most consumers forget they signed up and chance of chargeback can be high.
  • Antiques – With a high average ticket per item, antiques are considered a risky merchant type.
  • Astrology – The study of the celestial bodies and the influence on human affairs can be a chargeback target if customers feel like they aren’t getting the answers they want.
  • Auctions – Because of the nature of bidding on a product and not having a set price the risk level goes up.
  • Autographed Collectables – There is almost always a question as to whether an autograph is authentic, and therefore chargebacks are much higher in this industry.
  • Automotive Brokers – Brokers of automobiles have a very high average ticket are are therefore of higher risk.
  • Bankruptcy Attorneys – Since the people who are working with bankruptcy attorneys are usually in financial trouble, the odds that a payment would be charged back is higher.
  • Betting Services – In many states betting is illegal but for the legal states betting with a credit card has huge chargeback implications.
  • Brokering – When a third party is involved with selling a product the risk level goes up ten fold.
  • Business Loans (Merchant Cash Advances) – Loaning money is always risky, but with business loans and startup lending, high risk is present by the nature of the business.
  • Casino – Just like a betting service, if a customer gambles with their credit card the chargeback rate sky rockets.
  • CBD Products – CBD itself poses high chargebacks because of the legitimacy of the product and the health benefits promised.
  • CBD E commerce – CBD E Commerce has twice the charge back of retail CBD because many consumers don’t feel like the product they receive gives them the benefits promised.
  • Check Cashing (Check Processing) – The level of fraud in check cashing and cash advances is what gives this industry a higher risk consideration.
  • Cigarettes – With higher levels of risk for theft and criminal activity, cigarette sales are deemed high risk.
  • Collection Agencies (Collection Agency) – Many banks see collections as an unsustainable business model that is many times unreliable.
  • Collectible Coins – A higher level of chargeback in this industry gives it a high risk tag.
  • Collectible Currency – Due to the level of inauthentic collectibles, the risk of chargebacks are much higher with collectibles.
  • Copyrighted eBooks – When someone sells something copyrighted without permission many legal issues can arise.
  • Coupon Programs – With many coupon programs the coupons expire and once they expire the consumer wants the money back they spend.
  • Credit Counseling – Due to their clients usually being in financial problems, this industry is fraught with non-payment and fraud.
  • Credit Protection – Most people that need credit protection are bad with money so chargebacks abound.
  • Credit Repair – If a consumer needs credit repair then chances are they are a high risk for chargebacks.
  • Currency Sales – Many businesses that exchange currency do it at incorrect rates hence more chargebacks.
  • Dating Services – Dating is a volatile industry, and is also lumped in with the adult entertainment industry, making it a high risk account.
  • Debt Collection Services – As the collection of debt isn’t always possible, this industry retains the tag of risky.
  • Debt Consolidation Services (Debt Consolidators) – Consolidating debt is a challenging business and as debt is usually the problem, it’s seen as unsecure from a payment perspective.
  • Debt Repair Services – Since the clients of debt repair services are usually having financial challenges, it makes this industry seem a higher risk.
  • Discount Health Programs – Many people don’t feel they are really getting a discount so they try to get their money back and if they don’t the chargebacks sky rocket.
  • Discount Medical Care Programs – Just like the discount health programs if they don’t save the consumer wants their money back.
  • Drug Paraphernalia – Anything that is associated with the drug trade is considered high risk. Offshore merchant accounts are commonly used for this type of business.
  • E Commerce – As the source of the payment is unverifiable at the point of sale, any transaction without the card present has a higher risk of credit card fraud.
  • Ebay Stores – Many people sell items that aren’t as described so chargebacks can be an issue.
  • Electronic cigarettes – much like traditional cigarettes, e-cigarette sales are also deemed high risk.
  • Electronics – This industry has a much higher ticket compared with many other businesses. A chargeback for a $3,000 tv or two and your account can be in jeopardy rather quickly.
  • Escort Services – This is deemed a part of the adult entertainment industry and therefore needs a high risk merchant account and payment solution.
  • Event Ticket Brokers – If a customer buys a ticket and doesn’t use it they feel like they can charge the transaction back.
  • Extended Warranty Companies – Warranties are rarely used so people try to charge back the money that has been spent paying for them.
  • Federal Firearms License Dealers – Any organization associated with guns or firearms is automatically considered in this category.
  • Fantasy Sports Websites – Just like gambling, if a person starts to lose too often they try and charge back the transaction.
  • Finance Brokers – The entire financing industry is risky. By simply extending credit to other individuals, this business is betting that a majority of them will actually pay what they say they will.
  • Financial Advising/Consulting – The high risk tag on financial advisors isn’t about the advisors or their firm. It’s about the clientele and their current circumstances.
  • Financial Loan Modification Services – Due to a clientele in financial struggles, the high risk term is applied to any payments in this industry.
  • Financial Planning – Anything that includes risk for the consumer can have consumer implications with chargebacks.
  • Financial Strategy – Another risk and reward category, if money is lost, consumers try charging back making this a high risk industry.
  • Fortune Tellers – When a person doesn’t hear what they want to hear, or what is told doesn’t happen, the fortune teller can receive huge chargebacks.
  • Furniture Sellers – High risk only when its custom furniture.
  • Gambling – If money is lost the chargebacks rise.
  • Gaming – Chargeback levels skyrocket when consumers don’t win.
  • Get Rich Quick Programs – It’s rather common in this industry for an individual to purchase the training and then chargeback their purchase saying it didn’t deliver on what was promised.
  • Google Stores – With a high rate of return on their items, Google stores are considered high risk.
  • Gun Sales (Firearm Sales) – The gun and projectile industry is automatically associated with high risk credit card processing.
  • High Average Ticket Sales – With any high average ticket, just a couple of chargebacks can mean a massive shift in how risky the account is deemed by the processor.
  • Home/Vacation Rentals – Many issues with chargebacks can take place if the consumer decides not to travel.
  • Horoscopes – Many people believe this is hocum so will chargeback transactions.
  • How To Programs – A common practice in this industry is to purchase the program and charge it back with the description that it didn’t deliver what it promised.
  • Hypnotists – Many merchants will charge back these transactions if results they hoped for were not met.
  • Import/Export Business – Another example of taking goods over country borders which automatically brings in additional risk to any processing account.
  • Indirect Financial Consulting – When using a third party to consult, the high risk status gives the processor fraud protection.
  • International Cargo – Any time you introduce a multi-country element to credit card processing, the ability for fraud to be introduced skyrockets.
  • International Merchants operating in the US – Since the merchant isn’t operating from the United States, there are many unknowns about what is happening on the other side of their business, thus increasing the risk.
  • International Shipping – Transporting goods between countries is risky and introduces all sorts of elements to the financial stability of any transaction.
  • Investment Books – consumers get upset if the investor isn’t right which can lead to chargebacks.
  • Investment Firms – As investments are never a “sure thing” this is considered a risky industry for having a merchant account.
  • Investment Strategy – Anything with future promises can lead to chargeback.
  • Knife Sales – weapons of any kind are automatically given high risk status.
  • Kratom E Commerce – Accepting payments online is high risk, and Kratom is a substance in the health and wellness industry, which is also considered high risk.
  • Life Coaching – With no tangible goods involved in the transaction, life coaching is considered high risk.
  • Lingerie Businesses – Associated with the adult entertainment industry, chargebacks abound.
  • Lotteries – In most states you can buy lottery tickets with a credit card but if you’re allowed to and the ticket is not a winner, consumers try to chargeback the transactions.
  • Magazine Sales – Many magazine sales are recurring subscriptions, which can have issues with chargebacks.
  • Magazine Subscriptions – Same as magazine sales chargebacks can be huge when a recurring subscription happens. (often referred to as recurring billing.)
  • Mail Order Companies – When something is ordered through the mail chargeback risk can go up.
  • Marijuana Dispensaries – As marijuana isn’t a legal substance in every state, this is considered high risk due to the legality of the product. Cannabis credit card processing is available through Shift Processing.
  • Matchmaking Services – Another branch of the dating tree, and often associated with the adult entertainment industry.
  • Medical Devices – If a medical device doesn’t do what’s promised the purchaser may chargeback the transaction.
  • Membership Organizations – This is another instance of where the transactions don’t have any tangible product and are easily charged back to the merchant account.
  • Merchants on the MATCH list – If you are a merchant who has been reported to the MATCH list (Member Alert to Control High Risk Merchants) or the TMF (Terminated Merchant File) you are given high risk status.
  • Merchants with Poor Credit – Merchant accounts are given based on the credit score of the business owner. It’s assumed that the business owner is going to be making the financial decisions for the business, and a poor credit score reflects on the viability of any business transactions.
  • Modeling Agencies – At many agencies models are promised the world and it doesn’t happen. The consumer then wants their money back.
  • Movie Downloads – Transference of a digital product is considered of higher risk. Also, rarely is a physical card present at time of purchase.
  • Multilevel Marketing Sales – Often associated with pyramid schemes, MLM sales are considered a risky business.
  • Music Downloads – Purchasing any digital product is considered to be of higher risk than a physical transaction. Most of the time the card is not present in a digital transaction using a shopping cart.
  • Not A US Citizen Doing Business In The US – It’s possible to get a merchant account without a US social security number, but not having a SSN will increase the risk the processor will have in issuing a merchant account for your business.
  • Online Adult Membership Sites – If you’re running a website that is adult themed and requires payment for access, this is a highly volatile account and definitely high risk.
  • Offshore Corporations (Offshore Merchants) – The international element is what gives the high risk tag when looking for domestic merchant accounts.
  • Online Gambling (Online Gaming) – Without a card being present and gambling as the activity, there are two reasons why this would be on this list. Online payment alone is risky even without the gambling element.
  • Overseas Exporting Services – The introduction of the international element is what gains access to this list.
  • Pawn Shops – There’s a general stigma that goes along with pawn shops, and it’s reflected in their assignment to the high risk processors list.
  • Penny Auction Sites – Even though the customers are usually bidding at only a penny more per bid, users will commonly charge back the transaction when they don’t win.
  • Pepper Spray – Considered a type of weapon, pepper spray vendors are considered risky.
  • Points Programs – Points programs that cost money can cause chargeback issues if points are not used.
  • Pornographic Merchants – If you’re a part of the adult entertainment industry in any way, you’re considered high risk.
  • Precious Metals – Counterfeit metals can be a problem in this industry, making it more risky to accept payments for.
  • Prepaid Calling Cards – Anything prepaid that a consumer may not use increases chargeback issues.
  • Prepaid Debit Cards – When they expire or are lost consumers want their money back.
  • Psychic Services – “Honey, did you visit a psychic? No babe, I don’t remember visiting a psychic.” I’ll just reverse that charge then.
  • Real Estate – A common target for scams and identity theft is how real estate makes this list.
  • Replica Products (Watches, Handbags, Wallets, Sunglasses, Etc…) – As the product being sold isn’t authentic to the original manufacturer, the percentage of requests for refund is much higher than a traditional merchant.
  • Rewards Programs – If rewards are not spent, the consumer wants the money back.
  • Self-Defense – Since the payment provided is for instruction and not a physical product, the self-defense industry makes this list.
  • Self-Hypnosis Services – Yet another instance where the goods being transferred are of a service and not a physical product.
  • SEO Services – With a high rate of request for refund, SEO agencies make this list.
  • Social Networking Sites – Just like a dating site, if a consumer does not get what they want from it, they always like to chargeback.
  • Software Downloads – The software industry makes their way on to this list because of the digital nature of the goods being sold.
  • Sports Forecasting – An example of paying for information and not for a product, and usually not in person where the card would be present for the transaction.
  • Startups – Every startup is considered risky, and the percentage of startups that make it is quite small compared to the number that fail.
  • Student Loans – With the cost of a college education continually on the rise, so is the percentage of loans that default and never receive payment.
  • Strip Clubs – Associated with the adult entertainment industry gains the strip club access to this list.
  • Stun Gun Sales – considered a type of weapon, which makes it a high risk merchant.
  • Supplement Sales – The request for refund in this industry is quite high due to the nature of the product.
  • Sweepstakes – “Hey, I entered a sweepstake and I didn’t win. I’d like my money back please.”
  • Talent Agencies – “I paid thousands of dollars for headshots and glamorous outfits and I haven’t gotten any paid gigs. Pay me back my money please.”
  • Telemarketing Services – Telemarketing services many times do not have the results the purchaser would like to see, so the services are charged back.
  • Telephone Order Sales – Anything ordered over the phone has a increased risk of chargeback.
  • Timeshare Companies – When timeshares aren’t used, people want their money back.
  • Travel Agencies – If trips are not taken, consumers would like their funds returned.
  • Travel Clubs – Many travel club discounts aren’t what they were promised, increasing risk for chargebacks.
  • Vacation Rental Brokers – Third party brokers on prepaid vacation can have issues when customers cancel their trips.
  • Vape Shops – The level of criminal activity and theft is higher with vape shop merchants and therefore carries a high risk label.
  • Vitamin Sales – If the vitamins don’t provide the results the merchant would like to see they chargeback the transactions.
  • Web Designer – Because this service is prone to chargebacks, it has been classified as high risk.
  • Weight Loss – Considered risky because the results aren’t really up to the company, but rather the individual has to stick to the plan to get results, often resulting in chargebacks.
  • Yahoo Stores – Since the goods sold through Yahoo can easily be returned, they are considered a risky merchant.

Turn Your Residuals into Immediate Cash Today

Selling your residuals doesn’t impact your merchants—they’ll keep processing happily. So, if you need extra funds, explore a credit card residual buyout. It’s fast, easy, and a smart move for your financial game plan.