Whether you run a furniture showroom, a luxury boutique, a florist, or a retail chain, taking payments securely is critical to protecting your revenue and your reputation. Fraudulent card-not-present transactions, chargebacks, and costly processing fees can erode profits — while clunky payment systems frustrate customers and slow down sales.

SOTpay and SOTpay Connect give retailers of all sizes a PCI DSS compliant, fraud-resistant platform to collect payments across multiple channels. From high-value home furnishings to daily floristry orders, our solutions reduce risk, simplify reconciliation, and cut costs on every transaction.

Why Retailers Choose SOTpay

·         End Fraud-Related Chargebacks
 With 3-D Secure authentication, liability for fraudulent transactions shifts to the bank. Retailers using SOTpay eliminate fraud-related chargebacks, protecting margins and cash flow.

·         Lower Transaction Costs
 Open Banking support means customers can pay directly from their bank accounts, cutting card processing fees and speeding up settlement times.

·         Multichannel Payment Options
 Accept payments in-store, online, over the phone, or via SMS, WhatsApp, email, and social channels. Ideal for retailers without ecommerce sites, or for handling remote sales quickly.

·         Recurring & Instalment Plans
 Offer staged payments for high-value items like bedroom or bathroom furniture, or set up subscriptions for regular deliveries like flowers.

·         PCI DSS Compliance Without Burden
 Card data never enters your systems. Compliance scope is reduced, protecting both your business and your customers.

·         Integration with Accounting & EPOS
 With SOTpay Connect, transactions reconcile automatically into Xero, QuickBooks, Sage or retail EPOS systems, reducing admin and error.

Real-World Applications

·         Furniture & Home Retail: Offer secure staged payments for large orders, with Open Banking to reduce costs.

·         Luxury Retail: Protect against fraud on high-ticket items by shifting liability to the bank.

·         Tyre & Auto Goods: Collect deposits and full balances via secure links, ensuring no loss on bookings.

·         Florists: Take phone or social media orders securely, without staff ever handling sensitive card data.

·         Multi-Channel Retailers: Accept payments across web, phone, SMS and in-store, all within one PCI-compliant system.

The Added Value of SOTpay Connect

·         Direct Debit & Subscriptions: Ideal for regular services such as flower deliveries or care plans on big-ticket goods.

·         Marketplace Plugins: Integrations for EPOS, ecommerce and accounting software.

·         Social Channel Payments: Perfect for retailers who rely on Facebook, Instagram, or WhatsApp for sales.

·         Fraud-Resistant Framework: Stops criminals exploiting phone or mail orders by removing staff exposure to sensitive data.

How It Works

1.      Retailer issues a secure payment link via SMS, WhatsApp, email, web, or phone.

2.      Customer completes payment securely — by card or Open Banking.

3.      Data never touches retailer systems, reducing PCI compliance scope.

4.      With SOTpay Connect, the payment reconciles automatically into finance or POS systems.

FAQs

Do I need a website to take payments?
 No. SOTpay works across SMS, email, WhatsApp, and social media, perfect for retailers without ecommerce sites.

Can I set up instalment payments?
 Yes. SOTpay Connect supports recurring and staged payment schedules.

Does this reduce my fraud exposure?
 Yes. With 3-D Secure, liability for fraud shifts away from the retailer.

Will it lower my card processing costs?
 Yes. Open Banking reduces transaction fees and speeds up settlement.

Can it integrate with my current systems?
 Yes. Plugins for Xero, QuickBooks, Sage, and retail EPOS systems are available through SOTpay Connect.

Secure Payments for Every Type of Retail

From high-value furniture showrooms to florists handling daily orders, SOTpay and SOTpay Connect give retailers the tools to reduce fraud, cut costs, and simplify compliance. Protect margins, delight customers, and future-proof your payment systems.