Product availability, features, integrations, hardware options, pricing programs, and final setup are subject to merchant eligibility, underwriting approval, Payroc/service-provider approval, applicable agreements, and supported configurations.
Choose by workflow
Most merchants need a simple stack, not a product catalog.
Pick the way you accept payments. Lubao can map that to the right program, tool, equipment, and gateway behind the scenes.
In-person checkout
For retail counters, service desks, restaurants, and professional offices.
Roc Terminal+
Payroc App terminals
Clover where POS depth is needed
Invoices & payment links
For businesses that bill by email, text, estimate, deposit, or payment link.
Roc Services
Payroc Gateway
FluidPay gateway
Recurring billing
For memberships, subscriptions, service plans, retainers, and repeat customers.
Roc Services
Payroc Gateway
FluidPay customer vault
Mobile payments
For field work, pop-ups, deliveries, tableside service, and on-site transactions.
Payroc Mobile
Roc Terminal+ Mobile App
Bluetooth card reader options
Unattended & self-service
For kiosks, vending, laundromats, parking, car washes, EV charging, ticketing, and other customer-operated environments.
For online payments, hosted checkout, shopping carts, and virtual terminal entry.
Payroc Gateway
FluidPay
NMI or Authorize.net if needed
POS & operations
For inventory, menus, employees, reporting, customer engagement, and retail workflows.
Clover POS options
Bodega AI for convenience retail
Counterpoint for inventory-heavy retail
Product lineup
Tools grouped by what they help you do.
Use the filters to scan quickly. Expand only the tools you want to understand in more detail.
Roc Terminal+
A terminal-first setup for in-person payments with optional virtual terminal, payment links, ACH, light inventory, tipping, split billing, and reporting.
Best fitRetail, restaurants, services, offices
Works withInterchange+, RewardPay Choice, ConsumerChoice
Open Roc Terminal+ guide
Roc Terminal+ is a strong everyday merchant setup when the business needs a modern terminal, payment links, dashboard access, and compatibility with Lubao’s main pricing paths.
What it helps merchants do
Accept card-present payments at the counter or on the go.
Use payment links by email or text when the customer is not present.
Access reporting and transaction tools through an online dashboard.
Support tipping, split billing, pre-sale workflows, and light inventory where available.
Common device paths
N950-S: countertop version for a fixed checkout location.
N950: mobile-capable terminal with Wi-Fi and 4G options.
X800: larger screen option with merchant-facing and customer-facing displays.
Roc Terminal+ Mobile: mobile app and reader path for lighter mobile workflows.
Pricing-program fit
Can support Interchange+ for merchants who want traditional pricing.
Can support RewardPay Choice for eligible credit-card surcharging workflows.
Can support ConsumerChoice for dual-pricing setups.
Best fit
Retail shops that need a straightforward payment terminal.
Service businesses that take payments in person and by link.
Restaurants or offices that need simple checkout without a full POS system.
Merchants who want cost-control pricing options without overcomplicating the setup.
Lubao recommendation: Roc Terminal+ is often the first product to consider when a merchant wants a clean, Payroc-powered terminal setup before moving into a larger POS system.
Roc Services
A service-business platform for estimates, deposits, invoices, recurring payments, customer records, QuickBooks Online integration, and mobile field workflows.
Best fitContractors, field services, personal care, appointments
Works withInterchange+, RewardPay Choice, ConsumerChoice
Open Roc Services guide
Roc Services is built for businesses that schedule work, send estimates or invoices, collect deposits, manage recurring billing, and need payments connected to the job workflow.
Invoices, estimates, and billing
Send invoices and estimates by text or email.
Create estimates that can be saved, modified, approved, or converted into invoices.
Attach files to invoices when needed.
Accept cards, ACH, digital wallets, and cash workflows where supported.
Scheduling and field workflow
Scheduling is included at this time.
Schedule appointments, assign team members, and update appointment times.
Send customer updates by SMS or email when appointment times change.
Mobile app works on supported Apple and Android phones and tablets.
Systems and hardware
Syncs with QuickBooks Online.
Transactions completed in Roc Services can sync to QuickBooks Online after configuration.
Office card-present payments can use the Ingenico AXIUM DX8000.
Field card-present payments can use the BBPOS Chipper 3X.
Pricing-program fit
Works with Interchange+ for traditional merchant-paid processing.
Works with RewardPay Choice for eligible credit-card surcharge workflows.
For ConsumerChoice, Roc Services uses cash-price entry at the line-item level.
Recurring billing requires secure tokenization of the customer payment method.
Lubao recommendation: Roc Services is often the strongest fit for contractors, field services, professional services, appointment-based businesses, and merchants that need billing, scheduling, and payments in one workflow.
Payroc Gateway
A secure omnichannel gateway for virtual terminal, payment links, ecommerce, recurring billing, ACH, hosted payments, reporting, and API-driven payment workflows.
Best fitOnline, invoice, phone-order, B2B, SaaS, and gateway needs
Payroc Gateway is the broader payment infrastructure layer for merchants that need more than a standalone terminal. It can support browser-based payments, online checkout, payment links, recurring billing, ACH, reporting, and software/API-driven payment flows.
Core payment tools
Virtual terminal for browser-based payment entry.
Hosted payments page for website or software checkout.
One-time or reusable payment links sent by email or text.
Recurring payments and card-on-file workflows using tokenization.
Online and ecommerce
Supports ecommerce and hosted checkout workflows.
Can integrate with leading shopping carts, including Shopify, WooCommerce, Magento, and others where supported.
Digital wallet support can help customers pay across mobile, desktop, and in-app environments.
Useful for merchants that sell online, by invoice, by phone, or through a customer portal.
ACH and account-to-account payments
ACH can reduce reliance on card payments for invoices, subscriptions, and higher-ticket payments.
Useful for B2B, professional services, recurring billing, and account-to-account payment flows.
ACH/PAD capabilities may be part of the broader Payroc gateway and payments setup.
Merchants that need online payments, invoices, subscriptions, or payment links.
Professional services, B2B, B2G, nonprofits, and online businesses.
Software companies or platforms that need embedded payment infrastructure.
Businesses that need a gateway paired with terminals, ACH, or recurring billing.
Lubao recommendation: Payroc Gateway is usually the right conversation when a merchant needs online, invoice, ACH, recurring, ecommerce, or software-connected payment workflows — especially when the setup needs to work together with Interchange+, RewardPay Choice, ConsumerChoice, or Level II/III processing.
Unattended & Self-Service Payments
A Payroc-powered path for kiosks, vending, laundromats, parking, car washes, EV charging, ticketing, and other customer-operated payment environments.
Best fitKiosks, vending, parking, laundry, EV charging
Unattended payments are different from ordinary terminal sales because the customer completes the transaction without a cashier present. The device, mounting style, software workflow, connection type, reporting needs, and pricing strategy all need to fit the physical environment.
Where this fits
Vending machines and micromarkets.
Laundromats, value-load stations, and self-service kiosks.
Parking lots, garages, gates, and pay stations.
Car washes, EV charging, ticketing, attractions, and customer-operated checkout.
What has to be reviewed
Indoor vs. outdoor placement, durability, and mounting style.
EMV, magstripe, NFC/contactless, mobile wallet, and QR needs.
Connectivity, software integration, Payroc Cloud, gateway, or third-party platform needs.
Reporting by machine, lane, station, location, or unit.
ID TECH VP6800: indoor/outdoor unattended touchscreen path.
PAX IM30: Android unattended terminal for high-traffic self-service environments.
Pricing-program fit
Traditional pricing may be best when the merchant wants the cleanest customer experience.
Shared-cost models may be reviewed where eligible and appropriate.
Dual-pricing-style paths require careful review of rules, signage, customer experience, and program availability.
Final fit depends on business model, transaction size, location, and approval.
Lubao recommendation: Treat unattended payments as a workflow decision first and an equipment decision second. Start with the customer experience, environment, integration needs, and pricing path before choosing hardware.
A simple way to collect payments by sending a secure link through email, text, website buttons, QR codes, or a hosted payment page.
Best fitRemote payments, deposits, invoices, no-website checkout
Payment typesCredit, debit, ACH where configured
Open Payment Links guide
Payment Links let merchants create a secure payment request, share it with a customer, and get paid without needing a full ecommerce site or complex checkout build.
What it helps merchants do
Create one-time or reusable payment links.
Send links by email, text, invoice, website button, or QR code.
Direct customers to a customizable hosted payment page.
Let customers pay without a full online store or custom checkout.
Payment flexibility
Accept credit and debit card payments.
Accept ACH where enabled.
Allow customer-entered payment amounts when appropriate.
Useful for deposits, balances due, partial payments, and quick pay-now requests.
Best fit
Merchants without a website or shopping cart.
Service businesses collecting deposits or balances.
B2B merchants sending pay-now requests.
Businesses that want an easy Stripe/Square-style payment link alternative.
Related products
Payroc Gateway for broader online payment workflows.
FluidPay for cloud gateway, hosted page, invoicing, and recurring needs.
Roc Services for service-business invoices, estimates, scheduling, and field workflows.
Roc Giving for nonprofit donation links and campaigns.
Lubao recommendation: Payment Links are one of the lowest-friction ways to start accepting remote payments. They are ideal when the merchant simply needs to send a link and get paid.
Invoicing & Billing
A more advanced AR automation and billing path for businesses that need digital invoicing, recurring billing, subscriptions, payment links, reconciliation, reporting, and customer payment portals.
Best fitB2B, B2C, mid-market, enterprise, recurring revenue
FocusQuote-to-cash, AR automation, subscriptions, reporting
Open Invoicing & Billing guide
Invoicing & Billing is the more advanced accounts-receivable path for organizations that need to automate billing, payment collection, cash application, reconciliation, reporting, and recurring revenue workflows.
What it helps businesses do
Digitize the AR and quote-to-cash workflow.
Send invoices and collect payments faster.
Offer payment links, automatic payments, and branded payment portals.
Reduce manual billing, payment, cash-application, and reconciliation work.
Billing workflows
Invoice payments.
Subscriptions and recurring billing.
Virtual terminal payments by phone, link, or browser.
Accounts receivable automation.
Customer experience
Make payment easier with online invoice payment options.
Support customer self-service payments through branded portals where configured.
Accept preferred payment types, including cards, ACH, SEPA, digital wallets, and other methods where available.
Support global customer payment needs when paired with BlueSnap/Payroc capabilities.
Visibility and planning
Improve visibility into accounts, invoices, payment activity, and performance.
Support reporting for forecasting and planning.
Help reduce Days Sales Outstanding by making collection easier.
Improve productivity by automating repetitive AR tasks.
Best fit
Mid-market and enterprise organizations.
Businesses with complex billing workflows.
Companies with recurring revenue or subscription models.
Organizations with global customers or multi-currency payment needs.
When not to overcomplicate
If the merchant only needs to send simple invoices, Roc Services or FluidPay may be easier.
If the merchant only needs a quick pay link, Payment Links may be the cleaner starting point.
If the merchant is a nonprofit campaign fundraiser, Roc Giving is probably the better fit.
If the merchant is small and local, avoid enterprise AR complexity unless they truly need it.
Lubao recommendation: Use Invoicing & Billing for businesses where AR is a major operational problem. For simple invoices or pay-now links, start lighter with Roc Services, FluidPay, or Payment Links.
Global Payment Orchestration
An advanced BlueSnap/Payroc platform for global payment acceptance, intelligent routing, failover, local acquiring, value-added services, APIs, reporting, and payment optimization.
Best fitGlobal, enterprise, SaaS, platform, complex payment environments
FocusOptimization, routing, global acceptance, one integration
Open Global Payment Orchestration guide
Global Payment Orchestration is for businesses with payment complexity across countries, products, payment types, processors, channels, or software systems. It is designed to reduce technical debt while improving payment performance.
What it helps businesses do
Use one integration instead of juggling multiple vendors and accounts.
Accept payments globally with preferred payment types and currencies.
Support B2B, B2C, invoicing, embedded payments, subscriptions, and virtual terminal workflows.
Turn value-added services on or off by country, product, issuer, or business need.
Payment optimization
Intelligent payment routing across a global network of banks and acquirers.
Failover to secondary acquiring banks when the first attempt fails.
Smart retry logic for failed transactions.
Local acquiring to reduce cross-border fees and improve approval rates.
Advanced payment tools
Tokenization and encryption.
3D Secure and fraud-prevention modules.
Level II/III and Product 3 data processing where applicable.
Chargeback recovery, tax calculations, AR automation, and reporting modules.
Global and platform fit
Multinational businesses.
SaaS and software platforms.
Businesses with global customers or multi-currency needs.
Organizations that want global payments, embedded payments, and invoicing under one orchestration strategy.
Technical fit
Robust APIs for deeper integration.
Modular architecture that can scale with business needs.
Native integrations with popular business systems may be available.
Useful when payments are strategic infrastructure, not just a merchant account.
When not to lead with this
Most local Main Street merchants do not need payment orchestration.
If the need is simple online checkout, use Payroc Gateway or FluidPay first.
If the need is payment links, use Payment Links first.
If the need is ordinary in-person payments, start with Roc Terminal+ or a POS option.
Lubao recommendation: Global Payment Orchestration is the advanced conversation for larger, global, software-led, or complex payment environments. It should add institutional credibility to the Products page without becoming the default recommendation for ordinary merchants.
FluidPay Gateway
A cloud-based payment gateway for ecommerce, e-invoicing, virtual terminal, recurring billing, customer vault, hosted payment pages, and API integrations.
Best fitEcommerce, invoices, recurring billing, virtual terminal
Works withInterchange+, RewardPay Choice, ConsumerChoice
Open FluidPay Gateway guide
FluidPay is a cloud-based payment gateway for merchants that need flexible card-not-present tools: invoices, hosted payment pages, recurring billing, customer vault, ecommerce plug-ins, virtual terminal, and API access.
Gateway tools
Virtual terminal for processing transaction types anywhere with an internet connection.
E-invoicing by text or email with embedded payment links.
Hosted payment page and buy buttons for website payments.
Flexible API for integration across platforms.
Recurring and stored payments
Recurring billing for subscription-based transactions.
Recurring billing modifiers for customization.
Customer vault for securely storing customer payment information with a PCI-certified provider.
Useful for memberships, service plans, retainers, and repeat billing.
Ecommerce fit
Supports ecommerce plug-ins for online selling.
Useful for merchants adding checkout to a website.
Supports hosted payment pages when a full custom checkout is not needed.
Can be a practical fit for card-not-present businesses that do not need a full POS system.
ConsumerChoice fit
FluidPay can support ConsumerChoice for card-not-present payments.
Customers can pay the standard card price, which includes processing costs.
Customers can receive a discounted price by paying with ACH.
Best suited for invoicing, hosted payment pages, and virtual terminal transactions.
Pricing-program fit
Works with traditional Interchange+ pricing.
Compatible with RewardPay Choice where the setup supports it.
Supports ConsumerChoice dual-pricing for eligible card-not-present workflows.
Can help merchants offer transparent payment choice while controlling processing costs.
Best fit
Ecommerce merchants.
Professional services sending invoices or payment links.
Businesses with recurring billing or card-on-file needs.
Merchants who need a cloud gateway more than a full POS platform.
Lubao recommendation: FluidPay is often a strong fit when the merchant needs simple online payment tools, invoices, hosted checkout, recurring billing, and ConsumerChoice-style card/ACH payment choice without a heavier POS platform.
Roc Giving
An online giving platform for nonprofits, churches, schools, charities, and fundraising groups that need branded campaigns, donor tools, recurring giving, QR codes, payment links, and real-time analytics.
Best fitNonprofits, churches, schools, charities, fundraising groups
Roc Giving is Payroc’s online donation platform for organizations that want to launch branded campaigns, accept donations, manage donors, track performance, and simplify fundraising without needing a large or complicated fundraising system.
Best-fit organizations
Small to mid-sized nonprofits.
Churches, schools, charities, and mission-driven groups.
Organizations processing under roughly $1 million annually.
Groups that want simple online giving without a complex enterprise platform.
Organizations that have outgrown basic Pay Now buttons or simple hosted payment pages.
Campaign and giving tools
Create and customize branded fundraising campaigns.
Use logos, brand colors, campaign goals, and mission-aligned pages.
Accept one-time donations, recurring donations, and future pledges.
Create no-code donation buttons, payment links, and QR codes.
Embed giving options on a website or share them directly with supporters.
Payment options
Accept donations by credit card and ACH where configured.
Use QR codes, payment links, and website buttons for easy giving.
Supporters can give through mobile-friendly donation pages.
Recurring giving can help create more predictable donor support.
Card account updater can help keep recurring donations flowing when card details change.
Donor and campaign management
Track donor history, payments, statuses, and campaign activity in one dashboard.
View campaign KPI analytics and donation performance.
Filter reports by date, amount, campaign, and other details.
Track donor trends by frequency and payment method.
Export custom reports as CSVs for analysis and sharing.
Fee offset and cost control
Donor fee-offset options can help maximize contributions.
Nonprofit pricing may help reduce payment-processing overhead.
Roc Giving combines the donation platform and payment processing relationship through Payroc.
Useful for organizations trying to reduce reliance on multiple vendors.
How Roc Giving works
Launch a campaign.
Share the campaign by link, QR code, website button, or other digital channels.
Manage donors and donation activity.
Track donations, campaign performance, and fundraising trends.
Optimize future fundraising based on reporting and donor behavior.
Current limitations to explain clearly
Not a full donor CRM.
No dedicated bank account per separate campaign.
No mobile app; the platform is responsive for mobile browser use.
No digital wallet support at this time.
No text-to-give at this time, though SMS-style giving options may be part of future development.
When to lead with Roc Giving
The prospect is a nonprofit, church, school, charity, or mission-driven organization.
They use separate tools for donations and payment processing.
They need recurring giving or campaign-specific donation pages.
They want QR codes, payment links, and easy giving options.
They want donor and campaign visibility without a complex platform.
Lubao recommendation: Roc Giving is the right product conversation when the organization’s main need is fundraising, not ordinary commerce. For nonprofits that only need a basic payment link, Payroc Gateway or FluidPay may work; for campaign management, recurring donations, donor tracking, and branded giving, Roc Giving is the stronger fit.
Roc Terminal+ Mobile
A mobile app version of Roc Terminal+ for payments, inventory, reporting, payment links, invoices, and optional card-reader acceptance.
Best fitField work, events, deliveries, pop-ups
Works withiOS, Android, optional RCKT reader
Open Roc Terminal+ Mobile guide
Roc Terminal+ Mobile brings the Roc Terminal+ experience into a mobile app, giving merchants a lighter way to accept payments, send links, manage inventory, and view reporting from a phone or tablet.
What it helps merchants do
Accept card and cash payments on the go.
Send payment links and invoices from the app.
View transaction details, batch reporting, pending invoices, and key activity.
Access customer vault tools for stored cards where configured.
Inventory and reporting
View item quantities at a glance.
Use the in-app catalog for quick sales and itemized sales.
Monitor transactions in real time.
Keep mobile staff connected to the business without a full countertop station.
Hardware-free or card reader
Can be used as a hardware-free mobile solution for QR payments, cash, payment links, and invoices.
Optional RCKT Bluetooth card reader can support EMV chip, tap/NFC, and swipe.
PIN debit and EBT may be supported when the RCKT reader and setup allow it.
Good fit for merchants that do not need a full POS station at every payment point.
Pricing-program fit
Compatible with RewardPay Choice for eligible surcharge workflows.
Supports ConsumerChoice dual-pricing workflows.
Can help mobile merchants keep cost-control options available outside the main checkout counter.
App setup should follow the merchant’s approved Payroc configuration.
Best fit
Mobile service providers.
Delivery or on-site sales teams.
Events, markets, fairs, pop-ups, and temporary sales locations.
Retailers that want a mobile checkout option for line-busting or floor sales.
Lubao recommendation: Roc Terminal+ Mobile is a strong add-on when the merchant needs payment flexibility away from the main counter, especially when paired with the right pricing program and optional RCKT reader.
Clover POS
A cloud-based POS ecosystem for merchants that need register workflows, inventory, staff tools, customer management, apps, reporting, and restaurant, retail, or service operations.
Best fitRestaurants, retail, service counters, QSR, salons
Consider whenPOS depth matters more than terminal simplicity
Open Clover POS guide
Clover is the POS path for merchants who need more than payment acceptance. It can support register workflows, inventory, employees, apps, online ordering, reporting, and industry-specific operations for restaurants, retail, and service businesses.
What it helps merchants do
Run payments and POS workflows from one cloud-based system.
Access business data from a computer, tablet, or mobile phone.
Use Clover apps to expand business functionality.
Accept multiple payment types quickly and securely.
Business operations
Inventory organization with categories, labels, modifiers, and variants.
Employee and staff-management workflows depending on the Clover plan.
Customer engagement and reporting tools.
Access to the Clover app market for additional business tools.
Restaurant, retail, and service workflows depending on the device and software plan.
Countertop device paths
Clover Mini: compact all-in-one POS for merchants that want power without taking up much counter space.
Clover Solo: full countertop register station for merchants that want a more complete POS setup.
Clover Duo: dual-screen checkout station for higher-volume environments where customer-facing display matters.
Good fit for retail counters, restaurants, cafés, salons, and service desks.
Portable device paths
Clover Flex: handheld POS for tableside payments, line-busting, field checkout, and mobile staff.
Clover Flex Pocket: smaller portable option for lighter mobile payment workflows.
Useful when payments happen away from the main counter.
Device fit depends on how much POS functionality the merchant needs on the move.
Industry fit
Restaurants: front-of-house and back-of-house workflows, dining, orders, and staff coordination.
Retail: inventory, returns, exchanges, staff oversight, and sales reporting.
Service businesses: payments, revenue reporting, customer tools, and operational add-ons.
Quick-service: faster checkout, counter service, tips, and compact register workflows.
When not to lead with Clover
If the merchant only needs simple payment acceptance, Roc Terminal+ may be cleaner.
If the merchant mainly sends invoices or payment links, Roc Services, Payroc Gateway, or FluidPay may be better.
If the merchant wants the lowest-complexity setup, avoid unnecessary POS software and app fees.
Exact device, software, and fee fit should be reviewed before recommending Clover.
Lubao recommendation: Clover is best when the merchant needs a true POS system. For simpler payment acceptance, start with Roc Terminal+. For restaurants, retail, staff, inventory, or app-driven workflows, Clover may be the better fit.
Bodega Ai
A high-SKU retail POS for checkout, pricing intelligence, inventory tracking, EBT, age verification, multilingual workflows, and store management.
Best fitBodegas, convenience, liquor, smoke, pet, deli, specialty retail
Bodega Ai is a POS system built for independent high-SKU retailers. It combines checkout, inventory, pricing intelligence, store management, and reporting so merchants can spend less time fixing product data and more time running the business.
Best-fit merchants
Convenience stores and bodegas.
Liquor stores, smoke shops, and tobacco retailers.
Delis, butcher counters, and specialty food retailers.
Pet supply stores and neighborhood retailers with thousands of SKUs.
Often best for 1–3 location retailers outgrowing a basic register setup.
Inventory and SKU intelligence
Scan items into inventory instead of typing every SKU manually.
Product details can populate from a large UPC database.
Tracks stock levels, restocking needs, and low-stock alerts.
Can help identify top-performing products and high-demand items the merchant may be missing.
Can flag items priced below market average so the merchant knows where to adjust.
Retail compliance and payments
Built-in EBT support and automatic EBT eligibility flagging.
Age verification can be handled manually or by scanning the customer’s driver’s license.
Supports RewardPay Choice and ConsumerChoice where configured.
Customer price checker can show card and cash pricing before checkout.
Supports tobacco scan-data reporting programs where applicable.
Mobile app and web portal
Manage store and inventory remotely from the web portal and mobile app.
View multiple store locations from one portal.
Make price changes, update inventory, and monitor activity from phone or desktop.
View real-time sales data, reports, and AI-generated insights.
Built-in AI chatbot support is available through the app.
Hardware and store setup
Typical bundle includes a dual-screen Android POS.
Payment terminal, cash drawer, barcode scanner, and receipt printer may be included in the bundle.
Supports offline mode protection.
Weight-scale support may be available depending on compatible hardware and setup.
Existing inventory lists can be uploaded and organized, usually with a setup turnaround window.
Languages and staff adoption
Merchant-facing POS supports 14+ languages.
Supported languages include English, Spanish, Chinese, Portuguese, Bengali, German, French, Hindi, Farsi/Persian, Russian, Arabic, Hebrew, Urdu, and Korean.
Additional languages may be available upon request.
Helpful for stores with multilingual staff and diverse customer bases.
Not the right fit for
Restaurants, bars, or food trucks.
Gas-pump integration needs.
Large chain retailers or heavily customized enterprise POS builds.
Very low-SKU businesses that do not need inventory intelligence.
THC or kratom merchants; CBD may be restricted and should be reviewed before proceeding.
Why it can beat a generic POS
Built specifically for high-SKU retail rather than general small-business checkout.
Reduces manual product setup with barcode scanning and UPC data.
Gives pricing and stocking insights instead of leaving merchants to guess.
Combines POS, payments, inventory, reporting, and support in one retail-focused system.
Can help merchants protect margins through better pricing visibility and cost-control programs.
Lubao recommendation: Bodega Ai is a strong fit when the merchant’s biggest problem is high-SKU retail complexity. If they need restaurant workflows, a generic service POS, or an enterprise retail build, Clover or Counterpoint may be a better conversation.
Counterpoint
A deeper retail-management platform for complex inventory, purchasing, pricing, customer engagement, accounts receivable, ecommerce, mobile POS, and multi-location retail operations.
Best fitSpecialty, enterprise, multi-location, inventory-heavy retail
Counterpoint is a retail-management platform for merchants who need more than basic POS. It connects point of sale, inventory, purchasing, pricing, customer engagement, ecommerce, mobile POS, and reporting into one operational system.
Best-fit merchants
Enterprise or growing retail organizations.
Merchants operating multiple stores, warehouses, or centralized office operations.
Retailers processing roughly $300k+ per month.
Businesses with deep or complex inventory needs.
Merchants that rely heavily on accounts receivable.
Target verticals
Lawn and garden centers and plant nurseries.
Rural farm and feed stores.
Sporting goods retailers.
Thrift and resale shops.
High-volume liquor stores.
Gift shops, including hospital gift shops.
Inventory and purchasing
Real-time inventory tracking.
Multi-location inventory visibility and transfers.
Serial number tracking and physical inventory tools.
Automated purchasing based on min/max, replenishment, or days of supply.
Vendor tracking, receiving, and purchasing automation.
Pricing and margin control
Contract pricing by customer.
BOGO, limited-time promotions, and other promotion tools.
Customer-specific pricing, quantity breaks, and B2B terms where configured.
Cash discounting may help protect margins by offsetting processing costs.
Reporting on sales, returns, profit, turn rate, vendors, and more.
Customer engagement and AR
Built-in loyalty features to encourage repeat visits.
Ticket history for customer purchase and payment data.
Upselling prompts to help staff recommend additional items.
Targeted customer emails.
Accounts receivable options for balances owed and emailed statements.
Sell anywhere
Mobile POS for line-busting, pop-ups, and offsite events.
Ecommerce hooks that integrate with most ecommerce platforms.
Inventory sync between in-store POS and website where configured.
Customer-facing display options for products and promotions.
Hardware built for more demanding retail environments.
Hardware and peripherals
Ingenico Lane/7000 for fast, secure retail checkout.
Ingenico Link/2500 for Counterpoint mobile POS.
Sapphire SAM4S retail terminal option.
Optional peripherals may include barcode scanners, receipt printers, cash drawers, keyboards, battery backup, label printers, and physical-inventory data collectors.
When Counterpoint wins
When the merchant is outgrowing Clover or another simpler POS.
When inventory complexity, purchasing, vendor controls, and replenishment matter.
When the business needs multi-store, warehouse, or centralized management.
When the merchant has large SKU catalogs, matrix items, serialized items, kits, bundles, or regulated/specialty inventory.
When auditable reporting, accounting-grade data, or compliance documentation matters.
Not the first fit for
Simple single-location retail with basic checkout needs.
Small high-SKU convenience-style stores where Bodega Ai may be simpler.
Merchants that want the lowest-friction setup and do not need deep inventory controls.
Restaurants, bars, or food trucks that need hospitality-first workflows.
Implementation notes
Counterpoint may involve a higher upfront cost than subscription-style POS systems.
Merchants purchase the license rather than simply renting monthly software access.
Payroc can provide white-glove setup and one-on-one training.
Staff can often learn essential register functions quickly after setup.
Counterpoint is robust, so it should be matched carefully to merchants with real operational complexity.
Lubao recommendation: Counterpoint is the right POS conversation when the merchant’s pain is operational complexity: multi-location inventory, purchasing, warehouse workflows, AR, advanced pricing, large catalogs, or specialty retail controls. For simpler POS needs, Clover or Bodega Ai may be a better first conversation.
Developer APIs
RESTful payment infrastructure for ISVs, SaaS platforms, marketplaces, and software companies that need embedded payments, onboarding, funding, reporting, and developer documentation.
Best fitISVs, SaaS platforms, marketplaces, vertical software
API pathsPayments, boarding, funding, reporting, docs
Open Developer APIs guide
Payroc’s API Suite is built for software companies that want payments embedded directly inside their platform. It can support payment acceptance, merchant onboarding, funding controls, reporting, and developer-first integration workflows.
Payments API
Integrate Payroc payment processing into software applications.
Support card and ACH transaction workflows.
Useful for ecommerce, card-not-present, in-person, and autonomous payment environments.
RESTful API structure designed for payment integrations.
Resource-based URLs, pagination, structured JSON responses, metadata, and versioning are part of the developer approach.
Sandbox and testing resources help validate before going live.
Solutions engineering and integration support may help map the API path to the partner’s software model.
When to lead with APIs
The prospect is a software company or platform, not just a single merchant location.
Payments need to be embedded into a product workflow.
The platform needs automated merchant onboarding.
The business needs split funding, custom settlement, or payment reporting inside its own dashboard.
Lubao recommendation: Developer APIs are the right conversation for ISVs, SaaS platforms, marketplaces, and software-led businesses. For a normal merchant website or invoice workflow, Payroc Gateway or FluidPay will usually be the better first step.
Pricing programs and products work together. The right setup is usually a combination of one pricing strategy, one or two payment tools, and the right equipment. For example, a service business may need Roc Services plus a mobile reader, while a retail shop may need Roc Terminal+ or Clover plus a gateway. Product availability, feature availability, integrations, pricing-program compatibility, hardware, and gateway support may vary by merchant type, business model, processing method, underwriting, approved Payroc configuration, and applicable program rules.
Hardware, software, app, gateway, and integration availability may vary by merchant approval, device inventory, processor configuration, third-party provider rules, and selected program. Equipment pricing, ownership, rental, lease, financing, replacement, and cancellation terms should be reviewed before signing.
Build the payment setup before the application.
The product decision should not feel like a catalog search. The next step is to match your payment workflow to pricing, tools, and equipment — then request onboarding next steps only when the setup makes sense.