--- title: Retail Payment Processing Solutions & More | Inovio description: Secure and efficient retail payment processing solutions. Streamline transactions, reduce costs, and enhance customer experience with our tailored services. --- [![Inovio logo](https://www.inoviopay.com/hubfs/inovio-logo-footer.png)](https://www.inoviopay.com/) - [Payment](https://www.inoviopay.com/payment) - [![International Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/international-ico.webp) International Go global with secure payment acceptance for virtually every currency. ](https://www.inoviopay.com/payment/international) - [![Web3 Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/web3-ico.webp) Web3 Experience the future of payments as blockchain technology meets our next-level software development. ](https://www.inoviopay.com/payment/web3) - [![Payment Gateway Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/payment-gateway-ico.webp) Payment Gateway Access a flexible payment gateway that’s secure and scalable. ](https://www.inoviopay.com/payment/payment-gateway-open-api) - [![Hosted Checkout Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/hosted-checkout-ico.webp) Hosted Checkout Let us host your checkout page for you — one that blends seamlessly with your website. ](https://www.inoviopay.com/payment/hosted-checkout) - [![Recurring Subscription Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/recurring-subscription-ico.webp) Recurring Subscription Streamline your checkout with solutions for recurring and subscription-based payments. ](https://www.inoviopay.com/payment/recurring-subscription) - [Features](https://www.inoviopay.com/features) - [![Security Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/security-ico.webp) Security Get peace of mind with support for 3-D Secure, certified P2PE, PCI compliance, and more. ](https://www.inoviopay.com/features/security) - [![Risk management Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/risk-management-ico.webp) Risk management Reduce fraud, minimize chargebacks, create whitelists and blacklists, and more. ](https://www.inoviopay.com/features/risk-management) - [![Reporting Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/reporting-ico.webp) Reporting Create customizable, actionable reports to track your sales, inventory, and more. ](https://www.inoviopay.com/features/reporting) - [![Integrations Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/third-party-integrations-ico.webp) Integrations Enjoy seamless integration with leading third-party payment and CRM solutions. ](https://www.inoviopay.com/features/third-party-integrations) - [![White Label API Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/flexible-white-label-api-ico.webp) White Label API Integrate custom-branded payment processing into your app, platform, or website. ](https://www.inoviopay.com/features/flexible-white-label-api) - [![Authorization Optimization Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/authorization-optimization-ico.webp) Authorization Optimization Increase approvals with Transaction Recycling and Intelligent Transaction Routing. ](https://www.inoviopay.com/features/authorization-optimization) - [![Multi-Currency Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/multi-currency-ico.webp) Multi-Currency Accept your international customers’ local currencies while getting paid in yours. ](https://www.inoviopay.com/features/multi-currency) - [![Fraud Reduction Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/fraud-reduction-ico.webp) Fraud Reduction Reduce fraud while protecting sensitive cardholder data and your profits. ](https://www.inoviopay.com/features/fraud-reduction) - [Industries](https://www.inoviopay.com/industries) - [![Retail Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/retail-ico-1.webp) Retail Optimize your retail business’ payments and operations. ](https://www.inoviopay.com/industries/retail) - [![High risk Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/high-risk-ico.webp) High Risk Enjoy high approval rates for merchants in hard-to-place categories. ](https://www.inoviopay.com/industries/high-risk) - [![Medicinal Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/medicinal-ico.webp) Medicinal Let us simplify your payments so you can focus on your patients. ](https://www.inoviopay.com/industries/medicinal) - [![SaaS Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/saas-ico.webp) SaaS Automate recurring billing/subscription management through your software. ](https://www.inoviopay.com/industries/saas) - [![Education Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/education-ico.webp) Education Streamline tuition collection for your school or educational program. ](https://www.inoviopay.com/industries/education) - [Explore](https://www.inoviopay.com/industries/retail#) - [![Contact Us Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/contact-us-ico.png) Contact Us Get in touch with Inovio. ](https://www.inoviopay.com/industries/retail#) - [![Partners Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/partners-ico.png) Partners Experience the flexibility of our partnership programs. ](https://www.inoviopay.com/partners) - [![About Us Icon](https://www.inoviopay.com/hubfs/Inovio/about-ico.png) About Us Discover the industry’s most intelligent global payment platform and gateway. ](https://www.inoviopay.com/about) - [![Blog Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/blog-ico.png) Blog Get all the latest payment technology tips and trends with Inovio Insights. ](https://www.inoviopay.com/blog) - [System Status ](https://paymentshub.statuspage.io) - [North.com ](https://north.com) - Get Started - [Payment](https://www.inoviopay.com/industries/retail#) - [←](https://www.inoviopay.com/industries/retail#) - [Payment](https://www.inoviopay.com/payment) - [International](https://www.inoviopay.com/payment/international) - [Web3](https://www.inoviopay.com/payment/web3) - [Payment Gateway](https://www.inoviopay.com/payment/payment-gateway-open-api) - [Hosted Checkout](https://www.inoviopay.com/payment/hosted-checkout) - [Recurring Subscription](https://www.inoviopay.com/payment/recurring-subscription) - [Features](https://www.inoviopay.com/industries/retail#) - [←](https://www.inoviopay.com/industries/retail#) - [Features](https://www.inoviopay.com/features) - [Security](https://www.inoviopay.com/features/security) - [Risk Management](https://www.inoviopay.com/features/risk-management) - [Reporting](https://www.inoviopay.com/features/reporting) - [Integrations](https://www.inoviopay.com/features/third-party-integrations) - [White Label API](https://www.inoviopay.com/features/flexible-white-label-api) - [Authorization Optimization](https://www.inoviopay.com/features/authorization-optimization) - [Multi-Currency](https://www.inoviopay.com/features/multi-currency) - [Fraud](https://www.inoviopay.com/features/fraud-reduction) - [Industries](https://www.inoviopay.com/industries/retail#) - [←](https://www.inoviopay.com/industries/retail#) - [Industries](https://www.inoviopay.com/industries) - [Retail](https://www.inoviopay.com/industries/retail) - [High Risk](https://www.inoviopay.com/industries/high-risk) - [Medicinal](https://www.inoviopay.com/industries/medicinal) - [SaaS](https://www.inoviopay.com/industries/saas) - [Education](https://www.inoviopay.com/industries/education) - [Explore](https://www.inoviopay.com/industries/retail#) - [←](https://www.inoviopay.com/industries/retail#) - [Contact Us](https://www.inoviopay.com/industries/retail#) - [About Us](https://www.inoviopay.com/about) - [Blog](https://www.inoviopay.com/blog) - [Partners](https://www.inoviopay.com/partners) - [System Status](https://paymentshub.statuspage.io) - [North.com](https://north.com) ![Inovio logo](https://www.inoviopay.com/hubfs/Group%2029234.png) - Close We're here to help! If you’ve made it this far, you’re the smart and savvy type we love doing business with. Contact us by calling [866-267-2246](tel:8662672246), emailing [info@inoviopay.com](mailto:info@inoviopay.com?subject=InovioPay.com%20Contact%20Form), or filling out the form. [Home](https://www.inoviopay.com/) › [Industries](https://www.inoviopay.com/industries) › Retail ## POS systems and retail payment processing. Nobody offers more innovative solutions than Inovio to simplify your payments and optimize your back-office. ![Hosted_Checkout_ico](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Hosted_Checkout_ico.webp?height=80&name=Hosted_Checkout_ico.webp) ### Hosted Checkout Inovio’s tech-forward education payment processing makes it easier than ever to accept payments online. Your merchant account will allow you to accept ecommerce transactions directly on your website with our Hosted Payment Form. Or, on a custom-branded Hosted Checkout Page that we host for you. [Check It Out       ›](https://www.inoviopay.com/payment/hosted-checkout) ![Recurring_Subscription_Payments_ico](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Recurring_Subscription_Payments_ico.webp?height=80&name=Recurring_Subscription_Payments_ico.webp) ### Recurring/Subscription Payments We also offer affordable, PCI-compliant payment solutions for recurring purchases and subscriptions. These invaluable processing solutions help you automate payments and schedule renewals at any interval to keep cash flowing so you can focus on other matters: Your students. [Go Recurring       ›](https://www.inoviopay.com/payment/recurring-subscription) ![International_Payments_ico](https://www.inoviopay.com/hs-fs/hubfs/Inovio/International_Payments_ico.webp?height=80&name=International_Payments_ico.webp) ### International Payments Our education payment solutions allow you to accept international currencies through our secure payment gateway. Accept international credit cards, worldwide SMS payments, electronic cash payments, US ACH payments, and US and EU direct debit cards. Charge customers in their currency and get paid in yours with our Multi-Currency Conversion. [Explore       ›](https://www.inoviopay.com/payment/international) ## Securely sell in store, online, or on the go. ### Ironclad Security 3-D Secure (3DS 2.0) authentication, certified by EMVCo®. Certified, point-to-point encryption. Fully PCI-compliant payment processing. No other payment technology partner or retail POS provider does more to safeguard sensitive cardholder data and fight fraud and chargebacks online or in person than Inovio. That way, you can accept payments with peace of mind. [Explore       ›](https://www.inoviopay.com/features/security) ![Ironclad Security image](https://www.inoviopay.com/hs-fs/hubfs/Group%2030465.png?width=192&height=192&name=Group%2030465.png) ### Risk Management The latest in Authorization Optimization. A Risk Monitoring System that analyzes customer, transaction, and affiliate data in real time to identify suspicious activity. Our Fraudcast technology for chargeback mitigation. Plus, simplified whitelists and blacklists, and more. Get more than just a merchant account. Get a proven partner in minimizing risk and maximizing profits. [Explore       ›](https://www.inoviopay.com/features/risk-management) ![Group 30459](https://www.inoviopay.com/hs-fs/hubfs/Group%2030459.png?width=275&height=156&name=Group%2030459.png) ### Third-Party Integrations Plug in to a world of seamless integration with leading third-party ecommerce platforms like WooCommerce, PrestaShop, and Magento. Add to your business toolkit with leading CRM solutions like Verifi, Infusionsoft, and Cart Connect. Plus, POS software like Payanywhere. [Explore       ›](https://www.inoviopay.com/features/third-party-integrations) ![Group 30461](https://www.inoviopay.com/hs-fs/hubfs/Group%2030461.png?width=244&height=260&name=Group%2030461.png) ### Real-Time Reporting Get access to an online portal where you can access real-time transaction data to make more informed decisions about your business. Gain valuable insights into customer behavior, account performance, and daily, weekly, monthly, or yearly trends. Get postback (webhook) functionality, alerts sent to your mobile device, and more. [Explore       ›](https://www.inoviopay.com/features/reporting) ![Group 30460](https://www.inoviopay.com/hs-fs/hubfs/Group%2030460.png?width=339&height=97&name=Group%2030460.png) ### Authorization Optimization No other payment technology partner is more committed to increasing authorizations than Inovio. We help retail merchants reauthorize declines with Transaction Recycling while our Intelligent Transaction Routing increases approval ratios. Not to mention, Auto Account Updater to keep credit card details current. [Explore       ›](https://www.inoviopay.com/features/authorization-optimization) ![Group 30463](https://www.inoviopay.com/hs-fs/hubfs/Group%2030463.png?width=340&height=111&name=Group%2030463.png) ### Multi-Currency Conversion Accept payments in international currencies while receiving deposits in your native currency. Set your website’s pricing in up to 179 different currencies for goods, services, invoices, vouchers, and journal entries. Enjoy exchange rates and foreign exchange market conversions, updated daily, and more. [Explore       ›](https://www.inoviopay.com/features/multi-currency) ![Group 29490](https://www.inoviopay.com/hs-fs/hubfs/Group%2029490.png?width=188&height=188&name=Group%2029490.png) ### Tomorrow’s gateway today Our flexible payment platform and gateway works for businesses in almost any retail industry, from any bank source, with any endpoint. Our easy-to-use API allows you to fully customize, white label, and more. [Explore       ›](https://www.inoviopay.com/industries/retail#) ![Group 30392](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Group%2030392.webp?width=332&height=250&name=Group%2030392.webp) 1/ ## Frequently Asked Questions ### What type of payments does Inovio support? We support all types of retail POS payments in-person, online, or on the go. Need a payment gateway? You’ve come to the right place. Want the latest POS solution for in-store and mobile payments? We have a full lineup of hardware to choose from. As an international payment processor, we can even help you accept payments overseas in multiple currencies while getting paid in yours. ### How secure is Inovio’s platform and gateway? Extremely. We offer fully PCI-compliant payment processing that is protected by certified, point-to-point encryption and military-grade tokenization. Plus, the latest fraud detection tools to further safeguard sensitive cardholder data. ### What kind of fees can I expect? Transaction fees differ based on payment type. For instance, payments made in person with a point of sale system have lower fees than card-not-present transactions like ecommerce payments. That said, Inovio has solutions to help minimize transaction fees so you can maintain your cash flow. ```json { "@context" : "http://schema.org", "@type" : "BreadcrumbList", "itemListElement" : [ { "@type" : "ListItem", "item" : { "@id" : "https://www.inoviopay.com", "name" : "Home" }, "position" : 1 } ] } ```