What Ricochet's $100 Non-Integrated Processing Fee Means for Your Consignment Store

Intro

Ricochet recently introduced a $100/month fee for stores who use a non-integrated payment system alongside their consignment software. And while that move directly affects their customers, we think it’s also worth noting what it means for the industry as a whole.

Whether you’re a current Ricochet client considering other options or are starting up a new business from scratch, understanding integrated vs. non-integrated payments systems is a key part of the modern resale landscape. As companies like Ricochet move towards in-house solutions, knowing where you stand can save a lot of headache down the road.

Integrated vs. Non-Integrated Payment Processing

Listen, we love going down these rabbit holes. (In fact we’ve got a whole article if you’re curious.) But for our purposes here, we’ll keep it simple:

• Integrated payment systems are systems in which the card processing service is fully integrated with the POS (point of sale) and, in this case, the consignment management software. These systems often simplify accounting and speed transactions but may charge a higher fee for their service.

• Non-integrated payment systems are systems in which the card processing service is separate from the POS system. Practically, this often means that a cashier will have to manually enter the sale total (after taxes and discounts are applied) into an independent card reader once everything has been rung up on the POS. These systems often require more bookkeeping but come with increased flexibility and lower fees.

Ricochet’s New Fee Explained

Although Ricochet hasn’t advertised this new fee publicly, we’ve heard about it from several stores who are making the move to ConsignCloud. In Ricochet’s words:

“We’re building toward a future where your software, payment processing, and business operations all work together in one unified system. A key part of that vision is Ricochet Pay, our integrated merchant services solution, powered by Fullsteam.

Starting May 1, 2026, stores that continue using a non-integrated merchant service provider will be charged a Non Processing Fee of $100.00 per month.”

What does this mean? Simply put, stores that choose a payment processor other than Ricochet Pay will pay $100/month on top of their existing software subscription. And while there’s certainly a case to be made for full-service software, those that opt out will have to consider whether that $1200/year is a worthwhile cost.

What It (Could) Mean for You

For Ricochet stores already using Ricochet Pay it’s a moot point. But for those who prefer using a different payment processor, the extra cost could be significant.

Many stores who use a non-integrated payment processor do so to take advantage of a lower rate or because their sales volume isn’t high enough to make fees a significant expense. But it’s precisely those stores who will most feel the new $100/mo fee. 

Stores who don’t want to opt-in to Ricochet Pay will have to find another processor with an upside good enough to justify the fee (or will have to leave Ricochet entirely).

Gravity—one of Ricochet’s processors before this latest change—is one such option. As an independent payment processing service they offer competitive rates and are capable of working alongside multiple other systems. In fact, since they directly integrate withConsignCloud, customers who want to keep using Gravity can switch over without even replacing their terminal.

A Broader Trend Worth Watching

Ricochet isn't alone in this type of anti-consumer policy. Across the consignment software industry, there's a growing pattern of platforms introducing fees and restrictions that limit store owners' flexibility. We've heard complaints from stores switching from other software platforms around hidden fees tied to contacting customer support, importing data, integration access, and even data storage — meaning pop-up stores that only operate a few months out of the year have to pay for the privilege of not having their data deleted. And the most confusing part for store owners is many of these fees are charged by platforms who advertise no hidden fees.

When evaluating any consignment software, it's worth asking not just what the platform costs up-front or with a special intro rate, but what it might cost to stay, to switch, or to simply retain control of your own data. Lock-in can take many forms, and extra fees are often how it shows up in practice.

The Silver Lining

As the consignment industry grows and technology works to keep up, there will always be trade offs. But ultimately the industry has never been in a better spot. Store owners have more options than ever when it comes to running their business.

At ConsignCloud our mission is to make shopping local and buying resale the easiest choice for everyone. For that reason we’ve built our system to give maximum choice and flexibility to business owners. We support both integrated and non-integrated payment processing and don’t charge a fee for either. If you’d like to see how ConsignCloud and Ricochet stack up, check out this article or if you're just curious and want to learn more we’d love to chat.