Payment processing built for retailers — in-store and online.

Harbour Payments is the best payment processor for retail businesses that sell across the counter and the internet — one dashboard, one flat rate, next-day funding.

Retail is one of the few businesses that genuinely operates across every payment channel at once — a customer might tap a card at the counter, check out online from their couch, or pick up a curbside order paid for through a link sent by text. Harbour Payments is built around that reality rather than treating retail as a single, simple use case. Our point-of-sale terminals handle the fast-paced, high-volume nature of a retail counter, while the same account powers a hosted checkout or full e-commerce integration for online sales, so a retailer never has to reconcile two disconnected systems just to know how the business performed on a given day. Retail also carries its own specific risk profile: return and exchange policies, seasonal spikes in volume, and a wide range of price points from a $5 impulse buy to a $500 big-ticket item, all of which our underwriting and fraud tools are built to handle without unnecessary friction. For growing retailers — whether that's a single boutique, a small regional chain, or a brand expanding from a physical store into e-commerce for the first time — Harbour's flat, transparent pricing means the cost of accepting a payment doesn't become a mystery buried in a monthly statement. And because next-day funding is standard, retailers don't have to wait around for cash flow to catch up with sales. The result is a payments setup that scales from a single register to multiple locations and channels without requiring a new platform each time the business grows.