STORIS Integrated Payment Processing Review

STORIS is an ERP software built specifically for companies in the home furnishings space. 

From retail point-of-sale software to inventory management, accounting systems, logistics, financing, customer service, and beyond, STORIS truly has everything retailers need to operate both in-person and online.

Regardless of what you’re using STORIS to help you sell, you’ll obviously need to get paid. And your integrated credit card processing options from STORIS will directly impact your bottom line. 

Our Quick Take on STORIS Payment Processing

STORIS is honestly pretty impressive. It’s feature-packed, built to scale, and it’s no coincidence that they’ve been around for 35+ years. 

In terms of payment processing:

• I love that STORIS gives merchants a wide range of integrated processors to choose from.
• This helps create competition and gives retailers more leverage to negotiate better rates.
• Just make sure you understand that STORIS doesn’t actually handle your processing in-house.
• All they do is support the integration for a handful of third-party processors. 
• STORIS integrates with Shift4, Fiserv (via Clover Connect and CardPointe), Adyen, PayPal, and Tender Retail.

This is one of the most extensive lists of processors of any software that supports integrated processing. We typically see most tools offering just two or three options at most (some of which are even owned by the same parent company). 

So the fact that STORIS supports five processors and six gateways is amazing. But you still need to do some legwork on your side to ensure you’re getting the best possible rate.

Differences Between STORIS Integrated Payment Processors

All of the payment processors that integrate with STORIS are unique. They each have their own rate structures, fees, contract clauses, and supported hardware. 

Let’s take a closer look at each one so you can understand the differences and make sure you’re using the right provider for your particular business. 

Shift4

Shift4 is a fairly decent payment processor. We’ve seen them offer really competitive rates, especially to high-volume merchants. So if you sell lots of big-ticket items via STORIS, then you can definitely get a good deal from Shift4.

Here’s what you need to know if you’re currently using Shift4 with STORIS or planning to use them:

• Shift4 offers something called “simple change pricing” which is complex and more of a bundled interchange structure.
• You can usually save about 0.25% per transaction by switching to a true interchange-plus plan from Shift4 instead. 
• In addition to your per-transaction rates, Shift4 does add some extra fees to statements (like Amex Support Fees and Annual Regulatory Assurance Fees). 
• These are just ways for Shift4 to pad their markups and they aren’t really tied to any service or benefit.
• You can save thousands by getting these removed from your account if you’re willing to be a tough negotiator. 

You should also be aware that we’ve found some billing “mistakes” when auditing Shift4 statements for our clients. (Our Shift4 review has more details about this). 

As you might guess, these errors were not in favor of the merchant. But Shift4 was willing to rectify and refund once they were called out.

So you just need to be really careful when reviewing your statements every month if you’re using Shift4. They’re good, but the extra fees can sneak up on you.

Fiserv

Fiserv is an industry leader and major player in the payments space. This is actually who most of our STORIS clients are using to accept payments within the software. 

With Fiserv:

• You have two gateway options to connect STORIS with Fiserv: CardPointe and Clover Connect.
• One isn’t necessarily better or worse than the other. It’s a matter of preference (and Fiserv still powers the processing on the backend).
• Fiserv offers interchange-plus pricing, and their statements are really transparent in terms of what you’re being charged.
• Their technology is great, and they rarely increase rates (although they just raised prices in November 2025).

It’s worth noting that lots of Fiserv contracts include liquidated damages clauses, which is definitely something you’ll want removed before you sign if possible.

This clause can effectively make it impossible to get out of your contract without paying tens of thousands of dollars (potentially more).

And while we don’t recommend switching processors, there’s still no reason for you to be locked into something that you can’t terminate penalty-free. Flexibility is power when you’re negotiating. 

Check out our Fiserv review for more insights. 

Adyen

I’m notoriously tough on payment processors. But Adyen is probably the one provider that I have the fewest problems with.

They have arguably the best technology on the market right now and their pricing is incredible on most of our client accounts. 

• Adyen uses IC++ pricing.
• Statements are transparent, but the spreadsheet-style reporting is surprising for such a tech-forward company. 
• They’re really willing to negotiate more competitive rates the higher your volume is.
• We practically never see rate increases coming from Adyen, which is an anomaly in the payments world. 

You really can’t go wrong if you decide to go with Adyen when setting up integrated payments with STORIS. 

You can read my full review of Adyen here for more about its pricing, fees, statements, and how it stacks up to other processors. 

PayPal

PayPal needs no introduction, and I’m sure anyone reading this right now is familiar with the company. 

But don’t just immediately think PayPal is the best option for your retail operation with STORIS solely because you know their brand name. In terms of what’s really happening behind the scenes, PayPal is very different from the other providers we’ve talked about so far.

Here’s what I mean:

• PayPal is actually a payment facilitator (PayFac for short).
• This means that you don’t go through a traditional merchant account underwriting with them.
• Instead, PayPal does the underwriting in-house and gives you a sub merchant account.
• While this setup allows for faster and easier onboarding, it ultimately results in higher rates.
• You can get IC+ pricing from PayPal. But they don’t offer it to everyone (so it’s no guarantee).

Don’t get fooled by PayPal’s flat-rate pricing pitches. Flat-rate pricing will always be more expensive for your business.

And if you’re already using PayPal with STORIS, you should do whatever you can to negotiate interchange-plus terms (which can start as low as 0.15% + $0.10 per transaction).

Tender Retail

Tender Retail is also very different from the other providers on this list. Technically, they aren’t actually a payment processor and they aren’t fully integrated with STORIS either.

Instead, Tender Retail acts as a semi-integrated middleware option.

• This means the platform sits between the POS and backend processor.
• Tender Retail gives you more flexibility if you want to bring your own processor that doesn’t currently integrate with STORIS.
• It’s better if the vast majority of your transactions are in person.
• You can consider this if you have dozens or hundreds of franchise locations.
• It’s also a popular option for merchants in Canada.

This isn’t really an apples-to-apples comparison to Shift4, Fiserv, Adyen, or PayPal because it’s a completely different setup. 

Tender isn’t fully integrated with STORIS and it’s not a processor, either. But it can be used as a workaround if you’re already using another processor and you don’t want to switch just because you’re starting to use STORIS.

We actually agree with this. You shouldn’t have to change providers just because you’re getting a new ERP software.

How to Get the Best Possible Payment Processing Rates From STORIS

The first thing you need to understand is that STORIS has nothing to do with your payment processing. All they’re doing is supporting the integration for third-party processors connecting with their software.

In some instances, those processors might be paying some type of commission to STORIS for allowing this. But there’s really no way for you to verify if that’s actually happening. 

So if you think you’re paying too much to accept payments right now, here’s what you need to do:

1. Contact your processor directly (not STORIS). Go straight to Shift4, Fiserv, or whoever you’re using.
2. Make sure you’re on an interchange-plus pricing plan. Not a flat-rate plan, bundled interchange, simple change, or something else. 
3. Audit your statements to identify extra markups. Each processor is known for certain fees, so research your provider to identify what they’re known for charging that can be removed.
4. Negotiate hard. Let them know you have other options (which you do), even if you have no intention of switching (which we don’t recommend anyway).

That’s really all it comes down to. Firm negotiations.

Pick up the phone, call your processor, and demand better rates.

If it’s Shift4, tell them you know their Amex Support Fee is just another markup. If it’s Fiserv, tell them to remove the annual fees because you know it’s not adding any actual value to your account. And so on.

Integrated processing comes with a premium. So you can’t expect to get every processor’s rock-bottom rates from an integrated setup.

But if your markup is over 40-50 basis points per transaction, trust me, there’s definitely room to save money.

Final Thoughts

STORIS is a quality software solution for companies selling furniture, bedding, home appliances, and other big-ticket retail items. 

And despite offering payment processing, they’re not actually a processor. So don’t get this confused when you’re setting up your account. 

Your payments may all be visible with reconciled data inside STORIS, but there’s a third-party provider handling everything on the backend. That’s your processor, and that’s who you’ll be working with to set your rates. 

Adyen’s probably the best of all your options in terms of their pricing and technology. But you can still get really good pricing from Shift4 and Fiserv if you’re willing to put in the work and negotiate.

Just be aware that your initial rate isn’t “locked in.” You’ll still need to monitor your statements moving forward to ensure junk fees and extra markups aren’t being added on top of your discount rate.