How Vroom & Finix Are Streamlining Convenience Store Payments
The world of convenience retail is fast-paced, hyper-competitive, and increasingly digital. For companies operating in this space, especially those running QSR (quick-service restaurant) models, traditional payment systems just don’t cut it. That’s where Vroom comes in, a digital ordering and payments platform tailored to convenience stores and fuel retail locations.
Vroom’s mission is simple: to bring speed, simplicity, and innovation to an industry historically underserved by modern technology. From enabling mobile orders kiosks to supporting in-store payments, Vroom needed a partner that could scale with its rapid growth and complex industry needs. That partner was Finix.
Outgrowing Legacy Payment Systems
As Vroom expanded, it cycled through multiple payment providers—each falling short of the platform’s evolving requirements, like supporting high-risk product categories, processing faster refunds, facilitating omnichannel transactions, and offering more control over pricing and payment flows.
Vroom initially launched with Stripe, a reliable option for early-stage startups. But as the business grew, so did its need for a more specialized solution to support both in-store and online payments. Stripe’s generalist platform struggled to keep up with Vroom’s increasing transaction volume and complex merchant demands.
Seeking better pricing and greater control, Vroom migrated to Braintree, only to encounter similar limitations in flexibility and fee structure. The next step was their banks, which offered enterprise-grade infrastructure, but lacked the agility and technical customization needed to deliver a seamless hybrid experience across brick-and-mortar locations and digital channels.
Across all three legacy providers, Vroom encountered consistent challenges:
Slow refunds, taking 3 to 5 days to hit customers’ accounts
High processing costs, particularly for riskier product categories
Inflexible tech stack, making it difficult to iterate and innovate quickly
Fragmented omnichannel support, from app to POS, compounded by limitations in handling age-restricted categories, created additional hurdles for Vroom in managing both online and in-store transactions.
Vroom’s needs continue to evolve, demanding a solution for modern commerce.
Why Finix was the right fit for Vroom
Vroom turned to Finix to solve what legacy systems couldn’t. Finix’s customizable, full-stack payments platform delivered the speed, scalability, and flexibility Vroom needed to keep pace with its ambitious roadmap.
1) 2x Faster Refunds
Legacy processors made customers wait 3 to 5 days for refunds, leading to frustration and lost trust. With Finix, refunds are now processed in just 1–2 days, improving both customer satisfaction and merchant cash flow.
2) Built for Flexibility
Finix’s platform supports high-risk product categories and empowers Vroom to design payment policies and flows that suit its business, rather than being boxed in by ready to enable tools. Whether it’s fuel pumps, QSR orders, or convenience goods, Vroom can accept and process transactions with ease.
3) Omnichannel, Integrated Tech
Finix powers both in-store and online payments through a unified platform, reducing operational complexity and manual reconciliation. From Tap-to-Pay to custom POS terminals, Vroom’s retail partners now have tools that meet customers where they are.
Results: Unlocking Efficiency and Growth at Scale
Since partnering with Finix, Vroom achieved measurable gains, both in merchant experience and financial outcomes.
95% of convenience stores made the switch to Finix’s platform
50% switched within the first month, driven by Finix’s seamless onboarding, modern technology, and competitive pricing
60 basis point reduction in average processing costs, giving retailers more margin to reinvest in their businesses
2x faster refunds, reducing customer support tickets and improving customer retention
33% drop in chargebacks, largely thanks to clearer statement descriptors and better transaction transparency
Automated settlements and fraud prevention tools, cutting down manual overhead for store managers
Ongoing product collaboration, including new features like Tap-to-Pay and expanded PAX payment terminal support for hybrid commerce experiences
As one Vroom partner put it: “Finix finally gave us a payment setup that moves at the speed of our customers.”
Looking Ahead: Scaling Innovation Together
As Vroom continues to expand across the U.S., its partnership with Finix is only gaining momentum. Together, the teams are exploring deeper omnichannel integrations, expanding Tap-to-Pay and payment terminal capabilities, and new innovations that help convenience retailers deliver fast, secure, and reliable payment experiences.
For merchants tired of outdated systems, rising fees, and patchwork solutions, Vroom and Finix are proving there’s a better way.
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