Furniture is a high-ticket retail business. A sofa runs $1,000–$3,000, a bedroom set $2,000–$8,000, and a full room package $5,000–$15,000+. When customers pay by card, processing fees take a significant percentage of each sale.
A $3,000 sofa at 3% costs **$90 to process**. For a furniture store doing $50,000–$200,000/month in card sales, annual processing reaches **$15,000 to $84,000**.
Network Offset Pricing for Furniture Stores
| Item | Cash/Check | Card |
|---|---|---|
| Accent Chair | $800.00 | $832.00 |
| Sofa | $2,500.00 | $2,600.00 |
| Dining Set (table + 6 chairs) | $3,500.00 | $3,640.00 |
| King Bedroom Set | $5,000.00 | $5,200.00 |
| Custom Sectional | $4,200.00 | $4,368.00 |
Why it works: Furniture purchases are deliberate, high-value decisions. Customers researching sofas for weeks aren't leaving over a $100 payment method difference. Many prefer to pay by check on large purchases. The sales floor presents both prices — customers choose before committing.
| Monthly Card Sales | Annual Processing (2.8%) | With NOP |
|---|---|---|
| $60,000 | $20,160 | ~$0 |
| $100,000 | $33,600 | ~$0 |
| $200,000 | $67,200 | ~$0 |
James W. writes about payment optimization for brick-and-mortar retail. A former retail operations consultant, he has helped hundreds of independent retailers evaluate their processing agreements and reduce overhead costs.
$10,000+
in potential annual savings with optimized payment processing.
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The first step to reducing your processing costs is understanding exactly what you are paying today. Request a free statement analysis and we will show you a side-by-side comparison of your current costs versus what you could save with Network Offset Pricing.