Retailers Offering Curb Side Pickup, BOPIS, or Delivery could be in for a Shock (in a very bad way)!

So, I was just made aware of something not good about offering curb side pick, buy online pickup in store (BOPIS), or delivery. Basically, the company that handles your processing/merchant services account may immediately terminate your contract with them if they find out that you are offering curbside pickup, BOPIS, or delivery.

It boils down to the stipulations in your merchant services agreement. If it does not include curbside pick up, BOPIS, or delivery, then you are in breech of contract. This means that there is just cause to terminate the contract and you will lose the ability to accept payment by credit or debit card (with little to no warning).

Some common questions and advice:

1. Seriously? Would the merchant services companies really do this? Yes - this information came directly from merchant services companies.
2. How much notice would I get that my account is being terminated? In my experience, normally one business day but it could be more or less depending on which company handles your merchant services/credit card processing
3. How would they even know that my retail store is offering delivery, BOPIS, or curbside pickup? If you have a local salesperson, they may notice what you offering (but may or may not say anything). The biggest danger is if you receive a charge back / dispute - then they will know for sure if the consumer states that the transaction was done curbside, BOPIS, or via delivery and not in store card present.

My Advice:

1. Review your merchant services agreement / contract to see if delivery, BOPIS and curbside pick up are allowable. 
2. If you are not sure, then contact the company or your salesperson directly.
3. Use Square for processing sales that are not traditional in store card present transactions. Square appears to be more flexible when it comes to non-traditional sales transactions (but double check the agreement / contract to play it safe).

One other thought:

Your risk also appears to be related to what types of products you sell. For example, a retailer selling age restricted products (eg: tobacco or alcohol) appears to be in more danger than a retailer selling yarn

I'd appreciate any comments, questions or feedback on this topic! You can reach me at kevinantosh@gmail.com or 208-340-5632

Setting Up Microsoft RMS for Curbside Pickup / Use of Square

A quick video showing what is needed to set up the Microsoft Dynamics RMS point of sale software for curbside pickup. Also how to change tender types to use a Square Device.

This has been highly requested as many retailers adapt to the Coronavirus by offering curbside pickup.

This is only one example as there are many different ways to offer curbside pickup with Microsoft RMS.

Please note that that the POS station(s) will need to be Z-ed out and restarted for the new Square tender type to appear.

For more information, please contact myself or RITE at 888-267-7483 or sales@rite.us

How to Set Up the Cloud Retailer POS Software for Curbside Pickup / Use of square

A quick video showing what is needed to set up the Cloud Retailer point of sale software for curbside pickup. Also how to change tender types to use a Square Device.

This has been requested by many retailers as we adapt to the Coronavirus by offering curbside pickup for customers.


The idea is to make this low cost and something that you can quickly be up and using. Note that this is only one example as there are multiple ways to offer curbside pickup.

For assistance, please contact RITE at 888-267-7483 or sales@rite.us