The POS Software Blog

The POS Software Blog

News from Tower Systems about locally made POS software for specialty local retailers.

TagPOS reporting

Pricing after the surcharge ban: how to lift prices without upsetting customers

November 2, 2026
4 Min read
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Since 1 October 2026, Australian businesses can no longer add a surcharge to payments made by eftpos, Mastercard, Visa or American Express. For a lot of independent retailers, that small line at the bottom of the receipt covered a real cost. The cost hasn’t gone anywhere. You now have to recover it another way, and fairly.

We know of many retailers where the loss of the surcharge has hit hard. This blog post bring together advice for these retailers. What you do needs care.

Customers are paying attention. Online forums are full of complaints about businesses using the ban as cover for bigger price rises, or renaming the surcharge a “service fee” or “platform fee”. The ACCC has said plainly that businesses must not mislead customers about why prices changed. Get this wrong and you lose more than a few cents a sale.

Start with your actual card cost

Before touching a price, be sure of what acceptance costs you. Get your merchant statements for the last three months and calculate the effective rate: total fees divided by total card sales. Include terminal rental and any monthly minimums.

Many retailers find the true figure is lower than the surcharge they used to charge. If you charged 1.5 per cent but your effective cost is 0.9 per cent, a 1.5 per cent rise across the board isn’t cost recovery. Customers will notice, and some will tell you so.

While you’re at it, call your payments provider and ask whether your plan still suits your volume. Lower interchange caps are part of the reform, so it’s reasonable to ask how they flow through to you. If your POS lets you choose your payment provider, you also have room to shop around.

Lift prices selectively, not evenly

A flat percentage increase on every product is the easiest change to make. It’s also the easiest one for customers to spot. Use your sales data instead.

  • Leave known-value items alone. Every shop has products customers know the price of, like a newspaper, magazine, cat food, dog  – the everyday item people notice. Keep these steady. They anchor your price reputation.
  • Lift where you add value. Gifts, specialty lines, exclusive ranges and items that need advice carry less price sensitivity. A small rise here is rarely noticed.
  • Round sensibly. Moving $9.40 to $9.50 is gentler than moving $9.95 to $10.20. Price endings matter more than most think.
  • Review slow sellers separately. If nobody is buying it, a price rise won’t help. Decide whether it belongs in the range at all.

Your POS software should show you sales by item, category and margin. Sort by units sold and margin together, and the safest places for a modest increase stand out quickly.

Protect trust with how you communicate

Skip the sign apologising for higher prices. What you need is staff who can answer honestly when a customer asks.

  • Don’t tell customers prices rose “because of the surcharge ban” unless that is accurate and proportionate.
  • Remove all surcharge references from counter signage, invoices, receipts and your website.
  • Weekend and public holiday surcharges are not part of the card ban, but they must be clearly displayed if you use them.
  • Brief your team on a simple, truthful line, such as: “We stopped charging card fees, and like everyone our costs have gone up, so we have adjusted some prices.”

Find margin outside the shelf price

Pricing is one lever. The retailers who handle this well tend to look at their buying, their mix and their shrinkage at the same time.

  • Buying. Check supplier invoices for cost increases you haven’t passed on. Many shops absorb supplier rises for months without noticing.
  • Mix. Promote higher-margin lines through placement and counter displays. Changing what customers buy can do more than a price rise.
  • Shrinkage (theft). Every item that walks out unpaid is lost margin. Tighter stock counts often recover more than the surcharge ever did.

What to do now

Work out your effective card cost. Pick twenty known-value items to hold steady. Then look at your highest-margin categories for a small, considered increase. It’s a morning’s work, and it beats guessing.

If you want to see how sales and margin reporting can make this easier, Tim and Justin at Tower are happy to talk through your shop’s situation. Call 1300 662 957 or email sales@towersystems.com.au.

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Is your shop haunted?

October 31, 2026
3 Min read
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Halloween has crept up on Australian retail. When we started out, 31 October was just another day. Now there are costumes in the shops, plastic skeletons in the garden centre and kids at the door expecting lollies.

The things that actually scare us in a shop don’t wear costumes, though. They hide in the stockroom and the supplier invoices, and some of them have been there for years.

Ghost stock

The system says you have four. The shelf says none. Nobody sold them, or at least nobody rang them up.

Ghost stock is sneaky because your POS won’t reorder something it thinks you still have. So the gap stays on the shelf, and a customer asks for it on a busy Saturday. Count your fast sellers every few weeks rather than waiting for the annual stocktake to give you a fright.

Zombie stock

Every shop has a few lines that won’t die. They’ve been on the shelf so long they’ve faded. You walk past them every day and stop seeing them.

Run a report of anything that hasn’t sold in 90 days. It’s rarely pleasant reading. Discount it, bundle it with something that sells, or send it back if the supplier will take it. That space and that cash are worth more doing something else.

Vampire costs

This one drains you slowly. A supplier puts a line up by 40 cents, then another goes up by a dollar. Nobody tells you, and the new price sits quietly on the invoice.

I’ve seen retailers absorb increases for six months without noticing. Check invoices against your cost prices when stock comes in, and adjust the sell price that day while you’re thinking about it.

The haunted till

The drawer opens and there’s no sale. A refund appears with no receipt. Usually there’s a boring explanation. Every so often there isn’t.

Your void, refund and no-sale reports will tell you who, when and how often. You don’t need to be suspicious of your team. You just need to look now and then.

The witching hour

It’s 6.15pm. The door is locked, your feet hurt, and you still need to balance the day. If that takes an hour with a calculator and a shoebox of dockets, your system is letting you down. It should take ten minutes.

Skeleton staff

Three people on a dead Tuesday morning and two on a flat-out Saturday afternoon. Most rosters are built on habit. Pull your sales by hour and day and roster to what the data shows, not to what you’ve always done.

While you’re at it, sell some Halloween stock

Halloween is now a real trading event for gift shops, newsagents, toy shops and garden centres. Put Halloween lines at the front of the shop for the last week of October, and put lollies at the counter. On 1 November, mark down whatever is left and clear it. Packing it away for next year just creates next year’s zombie stock.

Then look at what sold, so next year’s order is better than a guess.

If any of these sound familiar, we can show you how Tower’s reports bring us out of hiding. Call 1300 662 957 or email sales@towersystems.com.au.

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Retail advice: Shop busy but profit disappointing? Start with better questions

September 29, 2026
2 Min read
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A retailer can be busy every day and still feel unsure about how the business is performing. There may be stock everywhere, regular sales and plenty of work, yet too little money left at the end of the month.

The question Why is the business losing money? needs more than a sales total. The Insights Dashboard in our POS software offers a starting point for examining trading performance, while recognising that POS information is only part of the financial picture.

The dashboard brings together information to help retailers investigate practical questions. Which products are performing? What stock is not moving? Which items are being bought together?

Stock that has not sold for six months deserves a closer look. That does not automatically mean it should be removed, particularly where seasonal demand is involved. It does give the retailer a reason to review whether it still deserves space and investment.

Products bought together provide another useful line of enquiry. Those purchasing patterns may suggest a better way to position products in the shop.

The value comes from acting on a relevant finding. A retailer might review a slow-moving range or test a different placement for related products, rather than attempt a complete store change at once.

Busy and quiet trading periods are also worth examining. This information can inform a review of staff coverage, alongside the work that needs to be done even when sales are quieter.

The dashboard can also flag behaviour that may warrant investigation for possible theft. An indicator calls for a closer look; it does not establish that theft has occurred.

These are different questions, but each can help explain part of the business’s performance. The dashboard provides a place to begin rather than requiring the retailer to decide which report to search for first.

Retailer is not an accounting package. POS information alone does not provide the complete picture of rent, wages and other business costs.

Dashboard findings therefore need to sit alongside the business’s financial records. Strong product margins do not remove the need to examine overheads, just as high sales do not necessarily establish a worthwhile return.

Retailers can start with one question, examine the information and decide on a measured response. Tower’s support team can help customers find their way into the Insights Dashboard and turn a general concern about performance into a more specific investigation.

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Retail Theft Is Often Costing Local Retailers More Than They Think

June 3, 2026
3 Min read
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Most small business retailers underestimate how much theft is costing them. Not because they are naive, but because the losses rarely announce themselves. Stock shrinkage accumulates quietly. Cash discrepancies get explained away. Time theft goes untracked entirely. By the time the problem becomes visible, it has usually been running for months.

Another factor is a readiness to look away rather than confronting an uncomfortable truth.

Retail theft is a consistent financial drain on independent small businesses in Australia. The businesses most at risk are often those that feel too small or too close-knit for it to happen to them.

It Is Not Always a Stranger

Customer theft gets the most attention. Security cameras, product locks, and store layouts are all designed with the external threat in mind. But employee theft is statistically just as significant, and far harder to detect without the right tools. It does not always look like cash taken from the register. It can be stock walked out the back door, discounts applied to personal purchases, refunds processed against non-existent returns, or hours logged that were never worked.

None of these show up on a security camera. They show up in your data — if you know where to look.

Here at Tower Systems we shine a light on retail theft to help local retailers lose less in theft.

Our retail experience helps us serve retailers in this space.

Your POS System Already Has the Answers

A well-configured point of sale system captures every transaction, every discount, every void, every refund, and every login. That data tells a story. Unusual patterns in any of those categories — a staff member who voids more sales than their colleagues, a till that reconciles short on the same shift rotation, a product category with unexplained shrinkage — are signals worth investigating.

Most retailers use their POS software to process sales. Fewer use it to protect the business. The intelligence is already there. It simply needs to be reviewed regularly, not just at the end of a financial year when the damage is done.

Policy Matters As Much As Technology

Data alone is not enough. A clear, written theft policy sets expectations before a problem occurs. Every team member should understand what constitutes theft, what the consequences are, and that the business monitors its data actively. This is not about creating a culture of suspicion. It is about creating a culture of accountability — one where the people doing the right thing feel protected, and those considering otherwise understand the risk.

Stop Waiting for the Annual Audit

An annual stocktake or financial audit is not a theft detection strategy. It is a damage assessment. By the time those numbers surface, a sustained theft problem may have cost tens of thousands of dollars. Regular review — weekly till reconciliation, monthly stock variance checks, and consistent POS reporting — turns detection from an annual event into an ongoing discipline.

The Businesses That Stay in Control

The retailers who manage theft well share a few things in common. They use their POS data actively. They have a policy in place. They do not wait for obvious signs before acting. And they understand that protecting revenue is just as important as generating it.

Tower Systems builds point of sale software for independent specialty retailers across Australia and New Zealand. Our software includes the reporting and audit tools to help you stay across your business — every day, not just once a year.

To learn more, call us on 1300 662 957 or email sales@towersystems.com.au.

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