The kitchen is sold. The down payment fails on the card’s daily limit.
Kitchen studios process few but large payments — spread over months: down payment in the studio, interim installment at delivery, final installment after installation. That demands more from the payment setup than any retail store: high limits, clean matching of every installment to the order, and rates calculated for five-figure amounts. We compare — free and independent — which terminals and rates fit your payment schedule.
What makes the difference in your business
Three installments, one project, three payment routes
The down payment runs through the terminal in the studio, the interim installment arrives weeks later by bank transfer or payment link, and the final installment falls due after installation — at the customer’s home. A mobile terminal for the final acceptance and payment links for the installments in between hold the payment schedule together without anyone chasing bank transfers by phone.
Five-figure amounts: the percentage is the price
Fixed per-transaction fees barely register at your amounts — the percentage decides. Just 0.2 percentage points of difference on the credit card discount rate is €40 on a €20,000 order, on every kitchen. And payments with girocard (Germany’s debit card) often fail not at the terminal but at the daily limit set by the customer’s bank: point customers to that before the down-payment appointment and you spare both sides a decline in the studio.
Every installment belongs to an order
Down payment in March, interim installment in May, final installment in June — if the POS and terminal don’t match payments to the order number, your bookkeeping ends up untangling consolidated payouts by hand. Systems that carry a reference like the commission number all the way into the settlement turn three partial payments into one cleanly documented transaction — for your tax advisor as much as for any dispute.
Anyone paying five figures up front checks who they’re paying
Customers know the stories about lost down payments. A clearly stated payment schedule in the contract, a receipt for every installment, and card payment instead of cash or an informal bank transfer signal solidity — and clear exactly the hurdle where deals stall at the last minute. Payment processing is part of your sales conversation, not its appendix.
A card payment is booked the moment it’s authorized — a bank transfer on payment terms is a promise. With five-figure final installments, that’s precisely the difference between a completed order and an open item.
Show us your payment schedule and your current card rates — we’ll work out what each kitchen sold costs you in processing, and name providers whose rates are made for your amounts.
Get your comparison