Grocery & specialty food

Payments for everyday baskets and specialist tastes.

Accept online payments for groceries and specialty foods. Use a supported checkout, check payment status and issue a partial refund when you need to return part of a customer’s payment.
Grocery & specialty food

Payment tools for your business

Online grocery payments

Accept card payments for grocery and specialty-food purchases through a supported checkout. Customers can also use the other payment methods enabled for your integration and account.

Partial refunds for changed baskets

When an unavailable item or a substitution means you owe the customer money, refund the amount you agree with them. Each successful partial refund carries the applicable fixed fee.

See whether payment completed

Look up the payment status for an online grocery purchase in Cost+. Payment-status requests are also available through the API for custom integrations.

Accept card payments for grocery and specialty-food purchases through a supported checkout. Customers can also use the other payment methods enabled for your integration and account.

Online grocery payments

Accept card payments for grocery and specialty-food purchases through a supported checkout. Customers can also use the other payment methods enabled for your integration and account.

Partial refunds for changed baskets

When an unavailable item or a substitution means you owe the customer money, refund the amount you agree with them. Each successful partial refund carries the applicable fixed fee.

See whether payment completed

Look up the payment status for an online grocery purchase in Cost+. Payment-status requests are also available through the API for custom integrations.

Grocery & specialty food

Understand the cost of each payment

For an approved low-risk acquiring agreement, choose IC++ or blended pricing. The gateway is included, with no setup or monthly fee. Compare the full fee schedule in your chosen currency.
Worked example: Compare plans. Low risk. EUR. Monthly successful transaction volume: €100,000.00. Average order value: €50.00. Successful transactions / month: 2,000. Assumed interchange + scheme cost (%): 0.35%. Cost+ margin: 0.40%. Blended · Monthly estimate: €990.00. IC++ · Monthly estimate: €930.00. Annual difference: €720.00. 100% · Consumer: domestic / intra-EEA. 100% of the modeled volume uses the selected card type and region. This is a scenario, not your actual card mix. One authorization attempt is assumed per successful transaction. Acquiring authorization fees apply per attempt, including unsuccessful attempts. Shopify: 0. Bank and scheme costs are assumed. Settlement, refund, dispute, conversion and other method fees are excluded.
Industries

Connect the store you already run

Use a supported store integration or build around the Cost+ API. Match payment methods to your platform and merchant configuration before going live.

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Grocery & specialty food

Your industry. Your questions.

Answers about payment acceptance, refunds and connecting Cost+ to your store.

Which MCCs apply to grocery and specialty-food shops?

Grocery stores and supermarkets commonly use MCC 5411; some specialty-food retailers use 5499. The actual range and principal business determine the category. Restaurants are usually classified separately.

Can I refund the price difference after a substitution?

Yes. If you owe the customer money after a substitution or an unavailable item, request a partial refund for the agreed amount through a supported integration or the API. Cost+ processes that amount; your store calculates the difference. Each successful refund carries the applicable fixed fee.

Does the grocery category cover every product in my shop?

No. Regulated products, such as alcohol or tobacco, need to be disclosed separately and may affect acceptance. A grocery label does not remove product restrictions or replace the acquiring review.

How do I start accepting payments with Cost+?

Create a Cost+ account, add your website in the dashboard and supply your business information. Complete the required checks, connect your integration and test payments and refunds before going live. Your acquiring offer and approval depend on the business review.

Is a partial refund charged differently from a full refund?

The fixed refund fee applies to each successful refund, whether full or partial. It is not a percentage of the refunded amount. Multiple successful partial refunds are charged separately. See the fee schedule for your agreement and selected currency.

Can I offer Apple Pay and Google Pay on my store?

Cost+ supports these wallets through its hosted checkout and API where enabled for your configuration. They are not available through Cost+ on Shopify: Shopify does not allow third-party providers to offer them. For other platforms, check the integration’s supported payment methods.

Industries

From account to first payment

Create a Cost+ account, add your website in the dashboard and supply your business information. Complete the required checks, connect your integration and test payments and refunds before going live. Your acquiring offer and approval depend on the business review.
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