Insight Payments

Built into the register.
Secure and fast.

Card processing on Fiserv — one of the largest payment networks in North America — built directly into the POS. Dual pricing and cash discount come standard, and one team stands behind both the software and the payments.

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PAX A35 PIN pad on a Havis stand showing the Insight POS screen — chip, tap, and swipe, processed on Fiserv
The PIN pad

Chip, tap, swipe —
in the system.

A compact PAX A35 on a Havis stand — chip, tap, and contactless run right through the POS, never a standalone terminal. 61% of shoppers weigh flexible ways to pay when choosing where to shop, and this covers them all. Both the cash and card price show before they pay, and it ships pre-configured for your merchant account.

See the workstation
Why the checkout matters

The checkout is a reason they stay — or leave.

Card processing gets treated as plumbing — until you see what a bad one costs. A 2026 retail study found the payment experience is one of the quiet deciders of whether a shopper comes back, and a hidden cost that eats the owner’s week. Insight Payments is built so the lane works for the relationship.

  • 55% walk away over a poor payment experience
    The checkout runs inside the POS — fast, clean, no popups blocking the lane. A smooth checkout is retention, not a nicety.
  • 93% of shoppers want upfront pricing
    Dual pricing shows the cash and card price before they pay — no surprise at the PIN pad. Transparency by default.
  • 44% would spend more with a smoother checkout
    Discounts apply automatically and the line keeps moving — the experience that grows the next basket.
  • Owners lose an hour a week to reconciling
    One platform, one team on Fiserv — the reconciliation and the vendor runaround disappear. (A third of owners juggle two or more systems.)

Powered by Fiserv

InsightRS is a direct Fiserv ISV — an Independent Software Vendor that builds payment acceptance straight into the point of sale, processed on Fiserv's rails. One company stands behind your software and your payments.

Fiserv ISV Partner

What a direct ISV relationship means

One team for software and payments.

Most POS companies are a sub-ISV layered under someone else, or they hand you off to a separate processor entirely. Insight holds the relationship directly — which changes what happens the day you actually need something.

  • One call, not a runaround
    When something needs fixing, you reach the company that built both the POS and the payment integration — not a 'call your processor, then call your software vendor' loop.
  • Direct, not sub-ISV
    Insight works directly with Fiserv, the largest processor in North America — not layered beneath a middle vendor. A shorter line to support, and better economics for partners.
  • Built in, not bolted on
    Payments live inside the POS, not in a fragile third-party gateway bolted to the side. The terminal and the register are one system — so there's no second platform to reconcile (a third of owners juggle two or more, and lose an hour a week to it).
  • The register sends the amount
    A standalone PIN pad means the cashier keys the total by hand — type $10.00 instead of $100.00, the customer doesn't notice, and the money's gone. Integrated, the register sends the exact amount to the pad; there's nothing to mistype, nothing to skim.
Dual pricing & cash discount

Keep the card fee off your bottom line.

Show a slightly higher price for card and a discount for cash — Visa-compliant and built in. A store running real card volume recovers most of its processing fees every month: margin back in your pocket, legally and automatically.

  • Visa-compliant out of the box
    Signage, receipt display, and fee calculation meet every card-brand rule. No gray area.
  • Both prices shown before payment
    Cash and card totals are visible at the lane — no surprise at the PIN pad. 93% of shoppers say upfront pricing matters; this is how you give it to them.
  • Dual pricing or cash discount
    Run whichever model fits your store. Fully integrated, not a third-party bolt-on.
Reconciliation

Your card sales match
the bank's deposit.

Here's the number nobody else ties out: a session or a day often closes before the bank settles that day's card batch, so the deposit covers a different window than your sales report — and the two never quite match. Insight runs a Credit Card Day that lines the report up with how your processor actually settles, so your reported card sales reconcile to the deposit the bank really made.

  • Aligned to batch settlement
    The Credit Card Day window tracks when your processor settles — not an arbitrary midnight — so the deposit and the sales report cover the same activity.
  • Three periods at once
    Calendar Day, Business Day, and Credit Card Day all run together — so cash reconciles to the session and cards reconcile to the bank, even across midnight or a late batch.
  • Only because it's one system
    Matching card sales to the bank's deposit only works when the register, the back office, and the payments are built together. Most POS keep one period; we keep three.
See Reporting

Payments, sorted.
Pricing's on the website.

See what processing looks like, or talk to a human about dual pricing for your store. No demo required.

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Or call us — (518) 633-4111. Cristal answers.