The sofa is sold — and paid for twice: today at the register, the rest at the front door.
Four-figure tickets, split payments, a delivery crew without a register: in the furniture business, the payment setup helps decide margin and receivables. It takes a mobile terminal for the delivery route, rates that hold up at high amounts, and limits that don’t stall the sale. We compare — independent and free — which providers can do all that.
What makes the difference in your business
Mobile terminal: the second register rides along in the truck
The down payment runs through the in-store register; the balance falls due on delivery. Without a mobile terminal, the delivery crew is left with cash or an invoice on payment terms — and a closed sale becomes an open receivable, dunning included. A device with its own cellular connection closes the order where it ends: in the customer’s hallway. Make sure the down payment and the balance are matched to the same order in your system — otherwise the register balances, but the books don’t.
Discount rate on four-figure tickets: think in euros, not percent
0.3 percentage points of difference sounds like decimals — on a €9,000 order it’s €27, on every single sale. At these sums, the card type decides too: credit and corporate cards are priced higher than girocard (Germany’s debit card), and that’s exactly what many customers use for large amounts. Convert every offer to your typical order value and check all card types — not just the advertised entry rate.
Terminal limits: the sale doesn’t fail on the customer alone
Four-figure payments can break at two points: the daily limit on the customer’s card — and caps some terminal providers set on single transactions. Both only show up at the moment of payment, in front of a waiting customer. Before signing, establish up to what amount your terminal accepts single transactions, and for large down payments, advise customers to adjust their card limit with their bank in advance.
Financing or card: both routes cost — just differently
Zero-percent financing looks customer-friendly but costs you a subsidy to the partner bank; card payment costs the discount rate. Which payment method your sales team actively offers is therefore a costing question, not chance. Put both cost rates side by side — including the combination of a card-paid down payment and a financed balance. A POS system that itemizes payment methods per order is what makes that calculation possible in the first place.
A furniture payment is only complete once both halves are booked: the down payment at the register, the balance at the front door. The delivery crew’s mobile terminal is therefore not an accessory — it’s the second half of your register.
A photo of your most recent terminal statement is all it takes: we’ll convert your rates to four-figure tickets and show you which providers cover sales and delivery from a single system — free and with no obligation.
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