Process transactions with ease no matter how large your volume. Make payment processing the least of your worries while you focus on growing your business.
If your business takes card payments over the phone, processes mail orders, or needs a browser-based way to charge customers without a physical terminal, you need a virtual terminal. In this guide, we compare the three most commonly evaluated options – Square, Stripe, and Coastal Pay – across rates, monthly cost, PCI compliance, recurring billing, ACH availability, and which is the right fit depending on your business type and volume.
For a single-location retailer, a 0.4% difference in processing rate costs $40/month at $10,000 in volume – manageable. For a 10-location chain processing $500,000/month, the same rate gap costs $2,000/month, $24,000/year. At 50 locations processing $2,500,000/month, it is $100,000/year. Payment processing cost management is not a back-office detail for retail chains – it is a P&L line item that compounds with scale. In this guide, we identify the most cost-effective processors for mid-sized retail chains in 2026 and show how Coastal Pay stacks up at real chain-level volumes.
Why Partner With Us?
Building a reputable and long-lasting business means providing tools and solutions that strengthens customer.
Our team focuses not only on providing trusted and secure processing solutions, but also innovative tools and solutions to help develop....
Yes, you will receive and email from support@coastalpay.com once your accounts is approved with instructions on how to complete the PCI Survey. You can also submit a Helpdesk Ticket and our team can help you with the survey.