Christmas 2025
May this season be as rewarding as your hard work and as fulfilling as your achievements.
May this season be as rewarding as your hard work and as fulfilling as your achievements.
May this season be as rewarding as your hard work and as fulfilling as your achievements.
May this season be as rewarding as your hard work and as fulfilling as your achievements.

Connecting with customers is especially important. Now, with the holiday season, with your receipts, you have a great chance to do this. Our POS system makes this quick and free, transforming receipts into retention tools.
Firstly, include a New Year's quote on receipts.
Customers tend to keep receipts, often for proof of purchase and tax purposes, giving them a long lifespan and a few reads. This is why this simple marketing tactic is so effective.
Although exact figures for physical receipts vary, digital receipts boast a super impressive open rate of up to 75%. No other marketing channel garners such much attention. By leveraging this space, you can proceed to:
Read more about the power of receipt marketing here.
When selecting a New Year's quote for your receipts, focus on impact.
Do a trial run to make sure that text fits on your receipts.
Great options include:
"Cheers to a new year and another chance for us to get it right." — Oprah Winfrey
"The magic in new beginnings is truly the most powerful of them all.” — Josiyah Martin
"New year—a new chapter, new verse, or just the same old story? Ultimately, we write it. The choice is ours.” — Alex Morritt
Click here for more quote inspiration.
Your receipt footer is prime real estate. After an inspiring quote, use it to make sales.
Put your Trading Hours directly on the receipt
Just in case, check the official trading hours, check here.
Don't just hope customers notice your gift lines—tell them about it on the receipt they just bought! A simple footer message can plant the seed for a return visit.
Social media is your best friend for retention. Use the bottom of your receipt to request a follow-up explicitly.
The line is simple, and I am sure you have seen it six million times
"Follow us on Facebook" @YourStoreName
Ready to inspire your customers to use your POS System now to update your receipt. It takes less than 2 minutes.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

If you are in an industry, you need to know the language and terms. Some of these retail terms are universal, and some are Australian, so what I have collected is our Australian retail glossary that every shop owner should know. As the retail industry is changing so rapidly, it's important to keep up. I've curated the essential acronyms, retail KPIs and shop management terms that every Aussie shop owner needs to master to navigate in our rapidly evolving industry.
From financial KPIs to digital trends, here is your A-Z guide...
2D Scanner
Unlike traditional laser scanners that only read linear barcodes, a 2D scanner captures images to read QR codes and digital screens. These barcodes can hold significantly more information than regular barcodes and are often essential for digital loyalty cards accessed through smartphones. Experts claim that these barcodes will replace standard barcodes, but I see that as a distant future.
ABN (Australian Business Number)
A unique 11-digit number that identifies your business to the government and community. You need this to claim GST credits and avoid having tax withheld from payments made to you.
Agency Model
A business model used by the Lottery, Parcel Pickups, and laundries, where the retailer acts as an agent. Generally, you earn a fixed commission and cannot set your own prices or margins. Your profit relies entirely on transaction volume.
Anchor Shop (Destination shop)
In your shopping centre, this is the shop that attracts the most foot traffic. Often it is a supermarket, sometimes a bank, and sometimes it is a few shops. Retailers rely on this 'anchor' to generate passing trade. Shopping centres are often so keen to secure these shops that they offer huge discounts to get them to come.
Award Wages
The minimum legal pay rates and conditions for your industry. Most shop assistants fall under the General Retail Industry Award. It dictates base pay, breaks, and rosters.
Basket Depth
The number of items in a customer's basket (as opposed to the total value). In a newsagency, you often have high traffic but low spend. The goal is to increase "basket depth" by getting that newspaper buyer to add a greeting card or a chocolate bar.
Basket Value (Average Transaction Value)
The average amount spent on a single visit.
Big Data
Your shop often has a lot of information in its POS System; big data is a commonly used process that uses computer software to analyse this information to find actionable insights. It is the process of examining large volumes of transaction and customer data to reveal patterns and trends. Many people mistakenly believe that AI is replacing this. Still, AI technology cannot do this yet, partly because it cannot handle so much information and partly because its processing is not as thorough as Big Data Software. What is commonly done now is to feed the Big Data reports we produce into an AI so the retailer can get actionable information. It's a process of turning raw numbers into actionable insights, great for personalised marketing or stock reordering.
BNPL (Buy Now, Pay Later)
A payment service that allows customers to take goods immediately and pay for them in instalments. These services are extremely popular in Australia now.
Brick and Mortar Shop
A brick-and-mortar store is a retail shop with a physical location.
Bulk
Bulk is buying goods in large quantities.
Bundles
Bundles are a few goods and/or services often offered at a lower price than if each item were purchased individually.
Buying group
How many people are buying goods in your shop, for example, a woman and her three kids would be four people, but one buying group.
Capture Rate %
This KPI is the % of passing traffic that actually enters your shop.
Casual Loading
An additional percentage (usually 25%) is paid to casual employees over the base hourly rate. This compensates them for not receiving permanent benefits, such as sick or annual leave.
Chargeback
A chargeback is a charge that's returned to a payment card after a customer successfully disputes a purchase on their account. It can occur on bank accounts or credit cards. There is much criticism of this practice in retail now.
Click and Collect
Customers can order online or by phone and pick up their purchases in the shop.
COGS (Cost of Goods Sold)
The direct cost of purchasing the products you sold during a nominated period of time. It is determined by Opening Inventory + Purchases - Closing Inventory = COGS. Your accountant must have this figure.
Consignment Merchandise
This merchandise in the shop remains the supplier's property.
Conversion Rate
The retail conversion KPI is the percentage of visitors who purchase, relative to the number who enter the shop. For example, if 100 shoppers visit a shop but only 20 buy, the conversion rate is 20 percent. There is often a problem here: many counting scanners count people, while the more advanced ones count a buying group.
Cross-Merchandising
Displaying products from different categories together to encourage add-on sales.
Dead Stock
Inventory that has not sold for an extended period and is unlikely to sell in the future. Often, it must be aggressively cleared out during a flash sale, e.g., an EOFY sale.
Demand Forecast
An estimate of the future demand for goods and/or services. It uses adjustments for both trend and seasonal factors.
Depth of Assortment
This is the number of each item or product style that a retailer stocks. For example, a shallow product depth, meaning they may only have say 3-5 different types of each product in a stock line.
Destination Department
A category so strong that people will travel specifically to your shop for it.
Discretionary vs. Non-Discretionary
Where stock is divided based on consumer behaviour.
Non-Discretionary are essentials like milk, pet food, stationery, and lottery. What people like them have is that they are often resilient during economic downturns.
Discretionary are gifts, toys, and high-end pens. These are the first to drop when the economy goes South.
Dropshipping
Dropshipping allows retailers to sell products while the supplier handles shipping to customers.
Early Returns
The practice of returning goods to a supplier before their official off-sale date.
EFTPOS (Electronic Funds Transfer at Point of Sale)
The electronic payment system in Australia includes debit and credit cards. It can be confusing because, unlike in other countries, Australians distinguish between "paying by card" and "using EFTPOS."
Electronic Article Surveillance (EAS)
This technology is used to reduce shoplifting. Tags are affixed to high-value goods and removed or deactivated by staff after purchase to prevent them from setting off the alarm system.
Flash Sales
A flash sale is a sudden promotion offered by a shop for a brief period. It encourages impulse buying and is excellent for clearing unsellable stock.
Footfall
The number of people or buying groups coming into your shop.
GMROI (Gross Margin Return on Investment)
This is the most important KPI in retail management. It calculates how many dollars of profit you get back for every dollar you invest in Inventory. It's excellent as it gives you a measure that combines turnover and selling margins. A healthy target for most shops is a score of 3.2 or higher.
Gross Margin
The gross margin is total sales revenue minus cost of goods sold, divided by total sales revenue, expressed as a percentage. Use it as a standard KPI in your shop.
High Speed Retail
Customers demand faster service and shorter waiting times; if it takes too long, they walk out.
Impulse Purchase
Unplanned buying decisions are made at the purchase. Make sure you have items in demand near the cash register.
Integrated Supply Chain
Integrated supply chain management is a specific resource-planning approach to traditional supply chain management. It requires a relationship with your suppliers.
Inventory Management
Crucial for knowing when to restock items, what amounts to purchase or produce, and what price to pay to suppliers. Small businesses can automate day-to-day stock management by adopting POS technology.
Lay-by
A traditional Australian payment method where the retailer holds the goods while the customer pays them off over time.
Lead Time
The lead time is the time between when the retailer places an order and the product arrives at the shop. If you are buying overseas, it might take a month or more.
Legacy Lines
Products that were good but are now in decline.
LFL (Like-for-Like Sales)
A commonly used KPI for comparing sales this year to the same period last year (e.g., September 2024 to September 2025). This is considered the best and most accurate measure as it avoids seasonal variations.
Loss Leader
Loss leaders are goods offered at a loss to attract customers into a shop.
Loyalty Marketing
Customers who like and trust a shop buy more. Retailers often encourage this by offering rewards programs.
Markdown
Markdowns are discounts retailers permanently reduce the price of an item from its marked price.
Markup
It is the amount by which a product's price is increased. One reason may be that the retailer thinks they can get more.
Merchant Surcharges
The fees retailers pay to the bank when a customer pays with a card.
Minimum Advertised Price
This is a supplier's pricing policy used to prevent retailers from advertising prices below a specified price. It's disputed whether a retailer can advertise at a lower cost; however, they can sell items in their shop for less. If they do, it may give them problems with their supplier.
Mystery Shopping
A research method used to gather feedback. It can be conducted in person, over the phone, or via online inquiries to collect data on factors such as staff friendliness.
Niche Retailing
Niche retailers generally don't appeal to large groups of consumers; they target the particular needs of small groups.
NPP (New Payments Platform)
An Australian Payment infrastructure that enables real-time clearing of payments between banks. Interest in it now stems from merchants trying to avoid card surcharges.
Omnichannel Retail
An approach to sales that aims to get as many customers as possible, by using their shop, e-commerce and the phone. I think most shops should look into this.
On-Sale Date
The specific date when you are allowed to start selling an item. Often, placing these items out early can result in penalties from suppliers.
Penalty Rates
These higher pay rates are mandated by law. They are for unsociable hours, such as weekends, public holidays, or late nights. You need to consider this in your roster.
Planogram
A visual diagram that shows precisely where products are placed on shelves to maximise sales. Often, large suppliers provide their display standards. How to create a planogram is here.
POS (Point of Sale)
The spot where the customer transactions happen. This is the most valuable part of your shop.
POS (Point of Sale) System
This is the method you use to do customer transactions. It can be a computer, a till, or even a cash drawer.
Priority Management
Managing daily operational chaos. The following system can be used, which is assigned a number from 0 to 4 based on priority:
Product Life Cycle
In retail, this is from when a product first goes on sale until it's removed from sale.
Quantity Discount
This is an incentive for the buyer to buy more. The more they buy, the lower the price per unit.
Quantity on Hand (QOH)
It is the quantity of an item that a retailer has in stock.
Rain Check
A written commitment to a customer to sell an out-of-stock item at the sale price once you get it back in stock. Under Australian Consumer Law, if you advertise a sale, you must supply the item or offer a rain check. Because of this, many retailers include a clause in their advertisements stating that the offer is valid only while supplies last.
Roster
A list that outlines the specific days, times, and duties each employee is required to work in the shop.
RRP (Recommended Retail Price)
The price a supplier suggests a retailer should charge customers for a product. In many Australian states, you are free to set your own prices. In some states, if the product is advertised, you can charge less but no more than the RRP. You need to check.
Sales Strategy
The strategy for presenting your products to your customers.
Sale or Return
An agreement with a supplier that means you can return unsold items for full credit.
Showrooming
Showrooming is when a customer visits a shop to see a product but then purchases it from an online retailer as it's cheaper. You become a showroom for an online retailer.
Shrinkage
This KPI measures inventory loss, generally due to shoplifting, employee theft, or administrative error.
SKU (Stock Keeping Unit)
A unique code used to identify each distinct product in a product line, e.g., a blue pen and a red pen may have the same barcode but different SKUs.
Stockturn (Inventory Turnover)
Not so commonly used today, but what it measures is the number of times you sell and replace your stock over a year. High stockturn is generally good (fresh stock), but it can also mean that you do not have enough stock of an item, while low stockturn means cash is tied up in dusty products.
Supply Chain Management
The activities needed to plan, control, and deliver a product to the final customer.
SWOT Analysis
A typical strategic planning technique used to evaluate businesses today. Business agents, analysts and banks typically use it.
Webrooming
This term refers to a customer who browses products online before visiting a physical store to examine them in person.
Wholesaler
A wholesaler acts as a "middleman" by purchasing items in bulk from a supplier and then selling those products to retailers.
X-Off
An X-Off report is generated to compare the actual cash in the cash drawer with the amount recorded by the POS (Point of Sale) system. This report helps identify any cash discrepancies immediately at any time.
Z-Off (End of Day)
At the end of each shift, a Z-Off report is created to compare the actual cash in the cash drawer with the amount calculated by the POS system.
Understanding these terms is crucial for effective communication with your colleagues.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

Dear Clients,
This is a crucial service update regarding our customer support availability over the end-of-year holiday period.
The main office will be closed
All other weekdays during this period, including Wednesday 24 December 2025, will operate under our standard support hours.
Full support hours and services resume on Thursday, 2 January 2026.
Thank you for your attention to this service notice.
POS Solutions Australia Pty Ltd
U2 Fiveways Business Centre
Keysborough Close
Keysborough Victoria 3173
ACN: 006 195 400
ABN: 91 006 195 400

A new law mandating cash acceptance for essential businesses, the clock begins on 1 January 2026. The final legislation is much less of the initial government proposals. While most of our clients already accept cash and intend to continue doing so, a growing number are considering a cashless model and need clarity about their rights.
Crucially, retailers must understand that government rules are part of the picture. Many have contractual obligations to their suppliers as well.
The federal law mandates certain businesses to accept cash payments for goods and services. However, the scope is unexpectedly limited, far less than originally promised, and several exemptions still apply.
It targets explicitly retailers of "essential" goods, primarily supermarkets and fuel stations. It does not automatically apply to businesses that sell items such as stationery, books, or pet food.
The law includes a significant exemption for small businesses, generally defined as those with an annual turnover below $10 million.
If your business operates as part of a larger group or franchise (e.g., a branded service station), you are likely required to accept cash regardless of your individual turnover.
Your obligation is determined by your primary business category, not the specific item being sold. For instance, if fuel is your primary revenue source, you must accept cash for all items in the store, including non-essentials.
The requirement to accept cash only applies to transactions up to $500. For any sale over this amount, you can legally refuse the money.
While the government may exempt you based on turnover or category, your suppliers likely won't. This brings us to the most overlooked aspect of the new mandate: your commercial contracts.
Even if the law gives you a pass, your most important business partners may require you to handle cash. Before considering a cashless policy for any product, you must check your existing agreements.
Licensed Post Offices (LPOs) operate under a different mandate that defines them as essential service providers. You will be required to accept cash for all postal transactions, such as stamps and bill payments.
Your lottery retailer agreement requires you to accept cash for ticket sales and pay out smaller prizes in cash. You cannot provide this service without money in the till.
If you are an agent for public transport ticketing, your contract likely designates you as a cash access point for the network, obligating you to accept cash.
Third-party bill payment or parcel drop-off services want you to accept cash from customers. Refusing cash could be seen as a breach of your service agreement.
Implementing a hybrid policy that accepts cash for some items but not others will create significant operational and customer service issues.
Refusing cash for a greeting card while accepting it for petrol at the same counter invites customer conflict and erodes goodwill.
A mixed policy is difficult for staff to enforce during busy periods, increasing the risk of errors. It also complicates compliance with card surcharging rules, frustrating customers who have cash ready.
For those considering a move to a cashless system, a review of your legal and commercial obligations is essential.
If you intend to operate a hybrid "cards only" policy for specific items, be prepared for logistical headaches. A better solution is a dedicated "cash only" station, a typical and effective practice in modern retail.
Q: If my business goes cashless after 1 January 2026, do I need a sign?
A: Yes. Under the Australian Consumer Law (ACCC), you must clearly disclose your payment terms before a transaction to avoid misleading customers. Put a prominent sign at the entrance or point of sale, such as "Card Payments Only."
Q: My insurer requires me to minimise cash holdings. Does the law override this?
A: The law does not void private contracts. You must negotiate with your insurer to find a solution that balances your legal mandate to accept cash with your contractual insurance obligations.
Q: Can I surcharge for cash payments?
A: Surcharging for cash is legally risky; adding a fee to a cash payment could be viewed as misleading pricing under Australian Consumer Law, which assumes prices are listed in cash.
Q: My local bank branch closed. How can I comply if I can't deposit cash?
A: The collapse of our cash infrastructure is a growing problem. The law requires you to accept cash but does not compel banks to remain open. You may need to find an alternative bank or consider paying for business expenses in cash at other local retailers.
Note, I am not a lawyer and do not pretend to be, and I suggest you seek professional advice before proceeding with any proposed action on this...

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

Employee theft is a significant concern to retailers today. It undermines profits. It also hurts, as it involves breaking trust. Industry data shows retail crime costs Australian businesses about $8 billion and is increasing, with staff responsible for roughly 40% of shrinkage. The problem is that it's often small, daily losses that add up over a year.
As I have noted here the problem has gotten worse, particularly after COVID. Others are noticing it too.
The good news is that you likely already have the tools to stop it. Your Point of Sale (POS) system is more than just a cash register; it's your first line of defence.
A crucial first step is to assign each staff member their own cash drawer. This makes them personally responsible. Your POS system can drive many drawers from a single computer. This means each operator can work and reconcile their till without affecting others. This protects you because any missing funds are clearly linked to a single person, not the whole team. I suggest doing this immediately.
Info: Use blind balancing. Here, at the end of each shift, the person balancing counts the cash and enters the total into the POS System. Then see what the POS system expects. This prevents a dishonest staff member from simply matching the anticipated amount by quietly adjusting the drawer.
To check these security KPIs, go to the cash register reports. (see orange arrow)

Then select Staff and click on "Sales security indicators" (see blue arrow)

Select the required period.
A report will pop up with many indicators.
You can now use your POS reports to spot patterns that indicate theft.
In your POS system, these are called Security KPI's. They show how each operator uses sensitive functions at the register. The fact is that dishonest behaviour is usually a habit. This is because if a method works, an offender will typically repeat it, and so that repetition shows up as a pattern.
From your reports menu, run this report for at least four weeks. I prefer whole weeks over months because months vary in the number of Mondays, Saturdays, and so on. Four weeks provide enough data to identify real patterns rather than isolated errors.
When you run the report, look closely at these specific numbers for each staff member:
This counts how often the cash drawer is opened without a sale being recorded. A consistently high number here is a major red flag. It suggests someone may be opening the till to remove cash while pretending to give change or "check" a price.
You need to distinguish between a "line void" (fixing a single wrong item) and a "wholesale void" (cancelling the entire transaction). A person with many full-sale voids, especially during busy times, deserves closer attention, as what is commonly done is to enter the sale to show the customer the total, then void it if the customer pays cash.
Watch for frequent refunds or items with negative prices. Be particularly careful if you see cash refunds processed when no customer is at the counter.
Compare each operator's average dollar sale and items per transaction to the store average. A consistently lower staff member may be under-ringing items. This is often a sign of "sweethearting," when one charges a friend for a single cheap item while handing over several expensive ones.
Numbers only make sense when you understand the context of your shop. You are not looking for perfection, as everyone makes the odd mistake. You are looking for patterns that stand out.
Keep these factors in mind when comparing staff:
A junior working the Saturday rush will naturally have more transactions and mistakes than a senior on a quiet Tuesday morning.
Always compare like with like. Compare a Saturday staff member to another Saturday staff member.
When you're really busy, like the lead-up to Christmas, you will see more scanning errors simply due to time pressure.
Look for staff whose indicators remain abnormally high across different periods, not just during the busiest weeks.
Finally, use your POS Software information with your security cameras. If your report shows an unusual refund, void, or "no sale" event at a specific time, go to your video footage for that exact moment.
Look:
I have seen reports list transactions, but the camera told a different story. In one case, we clearly saw the employee pocket the money during a transaction flagged by the report as suspicious. This combination of complex data and visual evidence is the most effective way to confirm if you have a training issue or a theft problem.
Securing your shop means you have to monitor constantly. Utilising the security KPI's in your POS system can help spot likely risks early and safeguard your hard-earned profits.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

We all know Google is the big player in search engines. Many retailers spend time worrying about their Google ranking. I have seen large shops have an SEO person to make sure it goes well. But if you ignore Bing Places for Business, you are missing out on customers.
In 2025, setting up your shop on Bing is not just "nice to have." It is a smart move to grow your business. Does it cost you NO!
According to Microsoft data, about 17 million people in Australia use its search network each month.
Here is a secret many retailers miss: many of these users are at work, where their work computers have Bing set as the default search engine. Its windows default and these people search during the workday, this is when most people buy. These people have money.
If your shop isn't on Bing, you are invisible to them.
A potential customer asks their computer, "Where can I find a gift shop near me?" Are you there in the answer?
If your business isn't listed correctly on Bing, the computer will recommend someone else, since the AI won't know you exist.
You want your shop to be the answer.
The good news? You can get this sorted in 5 minutes.
You don't need to be a wizard, as there is a shortcut that saves you heaps of time.
If you already have a Google Business Profile, and you should have, if not, see how to set one up.
Now, once you have a Google Business Profile, you can copy all that information straight over to Bing. Here is how you do it:
Head over to bing.com/forbusiness. You will need a Microsoft account (like Outlook or Hotmail) to sign in.
Search for your shop's name. If you see it, click "Claim this business." If you don't see it, click "Add new business."
This is the best part. Choose the option to "Import from Google Business Profile." This pulls in your address, hours, and photos instantly.
Look closely at your Name, Address, and Phone number. It must be 100% correct. If it's not, you could miss out on customers.
Tell people what you do. Use simple words that customers search for. For example: "Your local newsagency for books and gifts. Find us inside Albert Village Shopping Centre, right near Woolworths."
Don't just pick "Retail." Be specific. Here, for example, I would select "Book Shop," "Greeting Card Shop," or "Stationery Supplier." This helps the right people find you.
If you are unsure what to write here, use your sales reports in your POS Software.
Then put in a simple words customers search eg "gluten-free bakery," "men's work boots" or "dog toys."
Good ones, pictures sell products. Upload bright, clear photos of your best displays, here is how to take photos for your business
Make sure that your top-selling item in a department is listed.
I have seen many shop owners make small errors that cost them sales. Watch out for these traps:
Although "Import from Google" is fast, sometimes you will find that Microsoft will require a manual postcard/phone verification, if so do not give up, they are just trying to make sure the information is accurate and what you say is true. Fill it out. Then keep an eye out, as sometimes it gets lost in their system.
A potential customer can get angry after driving to your shop only to find the doors locked, even though the profile said you were open; you may also get a negative review. Constantly update your hours for public holidays.
If you are in a big shopping centre, make sure the location is correct at your front door. Sometimes they are way off. This helps people find you easily. What is the point of telling people all this information if they cannot find your shop?
Once your profile is set up, you can use a few tricks to get more attention.
Bing lets you post "Deals" right on your listing. You could offer "20% off all magazines" or a special bundle price. This grabs attention quickly.
I think Bing's "Deals" feature is more prominent and easier to use than Google's.
It is very important to ask your regulars to leave a review. Always thank them. If a customer leaves a negative review, respond politely to resolve the issue. This demonstrates that you care.
Fixing your Bing Places for Business profile is an easy win. It doesn't cost money, and it takes minimal effort. Probably about 5 minutes.
Make sure your details are correct, that your profile looks good, millions of Australian shoppers use Bing and Microsoft tools and don't leave those sales on the table.
[Claim Your Free Bing Places Listing Now]
Update: This article had to be rewritten as Bing procedures changes recently

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

A speed bump is a physical disruption in the road that slows you down. You pay attention. Shift from "autopilot" to "alert." In retail, a speed bump slows down customers, too. A retail speed bump is a strategically placed display located in your storefront. Its job isn't necessarily to sell the product it holds (though that's a nice bonus); its primary job is to physically and visually interrupt the customer's walk. It gets them to break their stride, lowers their gaze, and switches their brain from "walking past" to "browsing."
Without a speed bump, many customers will walk straight past your aisles, eyes glazed over, heading for a specific destination or simply drifting through without engaging. By placing a curated "obstacle" in their path, you force a pause. If they do not stop, they will not buy. It is that simple.
Here is how you can build a speed bump that stops traffic.
Here is a study by the Russell R. Mueller Retail Hardware Research Foundation that found that in hardware stores, dump bins (a classic form of speed bump) increased sales of the items inside by a staggering 427%. However, the principle remains true across all retail sectors: Interruption creates sales.
Now, before you run out and buy a wire cage for your boutique, let's pause.
That 427% figure comes from the hardware industry, where "rummaging" is part of the experience. If you run a high-end store, e.g., a gift shop, a wire-dump bin might signal "cheap" rather than "value." So what retailers do often is not "dump bins." We bought "Discovery Tables." The psychological trigger is the same.
When done right, this display:
This is where most retailers get it wrong. They treat their speed bump display as a place to put "whatever we have too much of."
This is a mistake. Your speed bump is prime real estate. It is the billboard for your business. If you fill it with junk that nobody wants, you are telling everyone that your store is full of junk.
Instead of guessing, you need to turn to your POS system. Your point-of-sale software is not just for taking payments; it is a goldmine of intelligence.
You are looking for specific criteria:
Another strategy is to use your POS system to find high-volume, low-cost items. Look at your "Best Sellers by Quantity" report. If you have a $15 candle that sells like hotcakes, that is a perfect candidate for a speed bump. Why? Because it is a proven winner. Putting it front and centre shows new customers that you stock desirable, affordable items. It acts as "social proof" that your store is worth entering.
Action Step: Before you move a single table, print out your "Slow Movers" report from your POS. Highlight the top 5 small, visually appealing, non-perishable items. These are your speed bump candidates.
Now that your POS system has told you what to sell, let's talk about how to sell it.
We want to create a "boutique discovery" zone, not a bargain basement.
Ditch the wire bin. Use a fixture that matches your store's vibe:
Don't just lay items flat. Flat is boring. You need height and depth.
Your sign is the "headline" of the story. A neon "SALE" sign can look desperate. Instead, use language that implies value and discovery.
Use a small A4 frame or a clean chalkboard. Ensure the price is clearly visible. If they cannot find the price, you've lost 50% of the walkers.
You have arrested their attention. You have shown them a nice product. Now, you need to trigger the impulse buy.
Decision fatigue is real. If a customer has to do mental maths ("It's $25 less 30%... uh..."), they will keep walking. Your speed bump pricing must be instant and frictionless.
You can't manage what you don't measure. This is where your Point of Sale (POS) system becomes your most valuable employee.
Many retailers set up a display and "feel" like it's working. But feelings don't pay the rent. You need complex numbers.
A stale speed bump is worse than no speed bump. If a local walks past your shop every morning and sees the same sun-faded books for three weeks, they will stop looking.
Use your POS system to set a reminder. Rotate the stock every 7 to 14 days. Even if the stock hasn't sold out, move it back inside and bring out something fresh. The change itself catches the eye.
As you rush to drag a table out to the footpath, keep these warnings in mind:
The battle for the modern shopper is won in seconds. We live in a distracted, fast-paced world where "autopilot" is the default setting.
A well-executed retail speed bump is your tool to break that autopilot. It is a friendly interruption that says, "Hey, take a breath. Look at this beautiful thing. Come inside."
But remember, a pretty table isn't enough. Data must support it.
Don't let another potential customer pass by unnoticed. This week, log in to your POS, identify five suitable items, and create your first speed bump. You might find that your best sales days begin on the footpath.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

The Christmas rush is on for Australian SMB retailers. This year, customers are more fuzzy. This is better for SMB shops.
New research from the Australian Retailers Association (ARA) and Roy Morgan indicates that gift-buying participation has slightly decreased by 9%. Shoppers, however, are now spending more and prioritising genuine connection. We call this the "Intentional" Shopper. To them, it's no longer about who has the cheapest plastic gadget, something that an SMB retailer finds hard to compete with.
We keep hearing this word: "Intentional." But what does it actually mean for your daily trade?
In 2025, Australian shoppers are swapping "loyalty for logic". They aren't just walking into a shop and buying a cheap thing. They are researching first. They have a specific person in mind, a specific budget, and a particular feeling in mind for the gift. Clearly, they want to buy treasures.
The data backs this up. High-spending shoppers aged 35 to 54 are averaging $853 in spend this season. That is a serious amount of money. But they aren't spending it on just anything. They are looking for value, quality, and meaning.
This is great news for independent retailers. You don't have to compete with big-box stores on price-slashing. An intentional shopper walks into your store, looking for you to be the expert. They want you to say, "If your kid loves their dog, she will absolutely adore this dog toy."
That personal advice is something online shops cannot do.
One of the most encouraging trends for independent retailers this year is the renewed interest in tangible "Recreational Goods," including books.
We are seeing a massive pushback against the digital world. People are tired of screens. They want things they can hold, smell, and keep. This has driven a surge in demand for:
The data suggests that these high-spending 35-54-year-olds are driving this demand. They want gifts that offer "genuine value" and an experience.
Because these shoppers want tactile experiences, your store needs to be hands-on.
This Christmas, consumers are demonstrating a clear preference for personal touches over mere convenience. In a significant market shift, only 22% of Australians say they are making more purchases online than a year ago—less than half the level seen in 2021.
This is a massive retreat from digital-only shopping. It reinforces that consumers are deliberately choosing to visit physical stores. In fact, most Australian consumers prefer shopping in brick-and-mortar stores.
Why? Because they want to find value and Connection.
As Catherine Jolley of Roy Morgan notes, "In this environment, trust is your most important asset." Shoppers want to see, touch, and trust the product before they purchase. They also want to trust you.
When an intentional customer walks in, they aren't just looking for stock; they are looking for help. This gives you a crucial advantage. You can leverage product knowledge to enhance the look and feel of your gift lines.
Of course, if the intentional shopper might come in for a specific $50 book, but if they see a beautiful $10 bookmark or a $15 candle right next to the register, they are very likely to add it to the basket. We call this "basket building."
The right technology actually helps you build better human connections.
Those small moments of service are what turn a one-time Christmas shopper into a loyal regular for the whole of 2026.
The data also highlights the importance of early preparation. Nearly one in three consumers (29%) started their Christmas shopping earlier than in 2024.
I think these shoppers are not just early because they are looking, but also because they are trying to spread their budgets over several pay cycles. It ensures they secure these costly items. I know it's a pain, but consider offering "Layby," which allows customers to secure that expensive, perfect gift now and pay it off over a few weeks.
Check Your System: Make sure you know how to use your POS system's Layby feature. It is a one-click process. Your staff need training on the Layby, too, or you might miss out on these high-value sales.
If your store is a mess, these calm, focused shoppers will walk right out. You are trying to sell a premium item

The holiday shopping season is here. Your inventory management strategy during this period can make or break your seasonal success. Having fully stocked shelves isn't just about meeting demand – it's about maintaining customer satisfaction and maximising revenue potential.
Your POS system's hidden gem, the GMROI (Gross Margin Return on Investment) report, provides an immediate snapshot of your stock levels. This report reveals critical insights beyond basic stock counts.
We have a unique report that is super fast to run and gives you an immediate snapshot of your stock levels.
In the Cash register report, call up the GMROI (see the selection highlighted) in your point of sale software in the reports here.

You can select the list of options you want, and I suggest you go over these options later when you have time.
You should do this by departments or suppliers, whatever makes more sense to you.
Now you get a report like this.

As you can see, the items are all listed.
Let’s look at it in detail:
What we are looking for are items with low on-hand figures, decent sales, and reasonable ROI%. ROI% is the return on investment. It is one of the best ways to determine how valuable your stock items are to your business. It is calculated by the (unit sold) x (Profit)/ (Average stock cost), and you need about 3.2 in the industry. However, as you can see here, there are many items above and below it.
Once you've generated the report, you'll see a list of all your items with several key metrics. Here's what to focus on:
While these metrics provide valuable data points, interpreting them effectively is critical to making informed inventory decisions.
When analysing your GMROI report, keep an eye out for:
These are your priority items. If they have a good ROI, you'll want to reorder them immediately to avoid stockouts during peak shopping.
The industry standard is about 3.2, but you'll notice variations across your inventory. Your star performers are significantly above this, while those below might need attention.
Today in retail, what is suggested is to consider your stock as four different groups:
Since your store mixes low-margin traffic drivers (magazines/lottery) with high-margin items (gifts/cards), apply the report differently across categories:
Now that you have this information at your fingertips, it's time to act:
Your POS system is more than just a cash register—it's a powerful ally in managing your retail business effectively. By regularly utilising tools like the GMROI report, you can:
A: look at these three columns.
Pay particular attention to items with low stock but high sales and a good ROI, as these may need immediate reordering.
A: 3.2 or higher is often considered good. As this will vary by industry and product type, I suggest you evaluate the report and judge.
A: Strategies include:
A: Run it frequently (daily or weekly) during busy seasons like holidays. In less busy periods, monthly or quarterly might suffice.
A: The report helps identify slow-moving stock. By addressing these items through promotions or adjusted ordering, you can free up cash tied in excess inventory and reinvest in better-performing products.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.
Looking at Australia's top-selling 2025 planners and calendars, people focus on family coordination tools, premium habit journals, and humour novelties priced $15–$60. Retailers see strong demand for easy-use organisers amid digital trends, as shoppers crave these paper organisation tools right now. Some sites that are useful to look at for ideas are Calendar Club and Amazon best sellers list.
Now while digital family screens are starting to gain sales, something I will discuss in another post, affordable paper alternatives dominate and outsell these pricier options for example Skylight is $529+, which demand technical setup. Retailers should stock simple, instant-use alternatives for families.
Magnetic fridge calendars ($15–$40), large dry-erase wall planners, chore/meal charts, and yearly sticker wall planners lead sales. Families love their visibility and wipeable surfaces as home hubs. Place them also near greeting cards for impulse buys.

Professionals, students, and young men (18–35) snap up A5 habit trackers, gratitude journals like the 6-Minute Diary, and goal-setting diaries with marble covers. These boost mental health, time-blocking, and goals via pen-on-paper.
Desk tear-off calendars like Far Side and Thoughts of Dog, plus wall puns, animals, firefighters, and pop culture novelties ($25–$30) outsell basics. Calendar Club's page-a-day humour tops charts.
These are dedicated notebooks for people to collect notes, ideas, diagrams, and their reflections on a subject over time are also selling well. Some higher-end versions feature elastic closures, ribbon markers, inside pockets, and contents pages. Stock them next to diaries as "your ideas companion" for students, professionals, and learners. I recommend putting them right next to your diaries.
Track sales by creating a POS category for planners and calendars. Monitor these family tools, habit journals, and humour items separately.
Q: Best magnetic fridge calendar for family schedules?
A: Magnetic fridge calendars need a strong magnet, dry-erase surfaces, and monthly or weekly views to suit busy Aussie families for tracking appointments, chores, and meals at a glance.
Q: Size of magnetic fridge calendars?
A: You need a few ranges in size. Make sure you have a procedure to demonstrate the different sizes. You do not want the customer saying they will come back after they measure the fridge. Often, people want a larger 14x12-inch monthly/weekly planner with big blocks that fit multiple schedules without cramping.
Q: Concerns over the fridge calendar that keeps falling off?
A: Suggest a model with double magnets or suggest an acrylic backing that grips stainless steel fridges securely.
Q: Which habit tracker journal for goals and routines?
A: A good A5 habit tracker or goal-setting journal should have monthly grids, reflection pages, and prompts, as they help professionals and students mark off daily habits like water intake or finances.
Q: Reusable wipeable calendars for the whole family?
A: Dry-erase magnetic monthly planners stick on fridges for shared use, letting everyone update events without paper waste, simple and effective. A good idea is to suggest here several markers so people can use colour-coding. In my family, blue is regular, green is work, yellow is family, red is urgent and purple is for appointments.
Q: Funny calendars that aren't boring basics?
A: Suggest a page-a-day desk or wall calendars with puns, animals, or pop culture, like Far Side, to keep things light.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

Your cashiers must process transactions quickly and accurately. This keeps lanes moving. Bad barcodes slow checkouts and frustrate family shoppers buying magazines, books, gifts, or greeting cards. What we need to do is boost POS Software scan rates.
We have a unique KPI specially designed for this, %Scan. This KPI metric measures the percentage of retail barcode scans versus manually keyed entries. Using it will improve retail checkout efficiency.
Go to the cash register reports
> Select Sales,
> Then "Dissection Sales/Profitability for a Given Period."
Set it for the past three months (or 12 for trends) and run the report.

You will get a report that looks like this one. Now, look at the last row marked.

Now run down the list.
You are looking for dissections with high quantities and low scan rates, as these are the big problems here.
Now, examine the %Scan column in the last row or breakdown. Look at the Total Scan. If you are doing a lot of scans and your %Scan rate is low, you have a problem. You need a higher %Scan to deliver quicker transactions and shorter queues in your shop, and it also gives you more accurate inventory data. Besides, it is a pain for staff, as it reduces manual entry errors (Industry figures indicate about one error per 300 characters in manual entry for cashiers).
To improve POS efficiency, start here:
First, for reliable performance, we often find that when we examine the %Scan, the problem lies with the scanner. If so, clean the scanner lenses and adjust angles. Consider it part of your POS system troubleshooting.
The problem sometimes is that the objects you are scanning are bright, which causes glare. I have noticed this often happens with frosty drinks and plastic covers on greeting cards. You need to be careful here.
Ensure that barcodes are clear on products. If they are real problems, talk to the suppliers, as poor barcode quality leads to unscannable items, forcing manual transaction entries that slow checkout lines and increase human errors, causing lost sales and customer frustration. In the worst case, consider printing in-house barcodes for these products.
Often, the cashier cannot find the barcode. In your shop, make a policy that all in-house barcodes should be in the same place, eg on the top left, at the rear middle, etc. It does not matter where; just be consistent. I prefer the bottom rear over the front; it covers some of the product.
Run your POS scan rate report now to spot low-scanning categories to check out your speed retail.
Then monitor %Scan trends. Just because you get it right now does not mean a problem will start to appear soon.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

As 2026 approaches, your POS software is your most valuable asset. By analysing historical data, you can predict exactly which diary formats will sell, preventing costly stock-outs. Don't guess, use your data. [Learn how to run the Best Sales Report for forecasting here].
Place diaries where people can see them, make sure to add signage and posters noting your stock diaries; don't assume they know—mention them while serving other shoppers. Make sure customers easily spot your diary selection by placing it in a prime spot. Arrange them attractively. I advise pyramid stacking for hardcover diaries on tables to create height, and place 'impulse' items like gel pens in bins directly next to them. I also suggest highlighting your top sellers. People will gravitate to these if you point them out.
Boost sales beyond standard diaries with these hot categories:
Your team must receive brief training that positions your shop as the "expert" hub.
Equip your team with these answers to close more sales on the floor:
Q: Will my fountain pen bleed through this paper?
A: "That is a common concern with the recent changes to the cheaper paper that the diary companies are using. Make sure you can show these customers diaries that use 100GSM paper, which is thick enough to prevent ghosting, even with wetter inks.
Q: Do you have any vertical layouts for time-blocking?
A: Make sure you have them, and you can show them. Most people use ones with 30-minute increments.
Q: Are Australian public holidays and school terms marked?
A: Many international brands miss our local dates. Make sure you have an Australian-designed calendar that includes state-specific public holidays and 2026 school term dates.
Q: Is A5 or B6 better for carrying in handbags?
A: "A5 is the classic standard if you mostly leave it on your desk. However, for carrying in a handbag, B6 is trending, as its size is compact enough to hold light items but wide enough to write comfortably.
Q: Can I get a layout that has a weekly view on one side and a notes page on the other?
A: These have a 'Weekly Notebook' layout. It is incredibly popular right now because it separates your rigid appointments (on the left) from your flexible to-do lists (on the right).
Q: Why are there so many undated planners this year?
A: We're seeing a massive shift toward 'guilt-free' planning. Undated planners are perfect because if you go on holiday or skip a busy week, you don't waste pages. You can pick it right back up without seeing empty dates staring you in the face.
Organise a winning diary campaign by using POS trends, displaying prominently, talking to customers, and stocking 2026 trends like all-in-one lifestyle planners. This leverages peak sea

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

Years ago, I tracked official magazine sales figures religiously. I stopped because the magazine industry shifted from reporting verified sales (copies sold) to readership (estimated readers). The result became increasingly disconnected from retail reality.
The doubts many retailers feel are justified, as readership figures are derived from surveys. Far removed from cash register data. A single sold copy might be counted as three or four "readers" if it is passed around a household. If it is left in a waiting room, it's even better for advertisers who only care about how many people saw their advertisement.
Despite this, we must work with the data we have, so I decided to look into it. So, let us look at the latest Roy Morgan figures for the 2024/25 financial year by Roy Morgan.

Analysing the "Top 25" magazines by print readership (excluding free titles like Coles Magazine), the market is seeing a slow squeeze rather than a cliff-edge drop. Across a sample of 20 major paid titles, the total print readership declined by approximately 2% year-on-year.
This aligns with broader market data showing that print readership is holding surprisingly steady. As of late 2025, over 10.9 million Australians (nearly half the population) still read a print magazine, and when digital audiences are included, that number jumps to over 14.6 million .
However, the stability is uneven. The market has split into two distinct directions:

The 2% overall decline is so minor that most retailers wouldn't notice. The fact is that a store's performance depends more on local competition for retail profitability than on national trends.
Interestingly, here, benchmarks showed more than 50% of newsagents reported magazine sales are up in 2025.
I have seen this firsthand with a client whose magazine sales actually increased this year. Why? A nearby competitor drastically reduced their magazine display, effectively handing those customers over. The demand was still there; the competitor just stopped serving it. This proves that magazines can still be a viable category for those who commit to maintaining a proper range.
To make magazines work in this environment, you need to look less at official "readership" surveys. The relationship between a half-billion-dollar industry and your own shop is not much. Trust and use your own data.
Do not stock based on what publishers push; stock based on what sells. Use your POS system to run a monthly selling report by units sold and gross profit.
Basket analysis consistently shows that magazine buyers are valuable. They rarely buy just a magazine. They over-index in high-margin impulse items such as greeting cards, stationery, and lotteries.
Looking at magazine sales over 20 years, it's clear that magazines aren't a viable long-term investment. So I wouldn't suggest spending a lot of money on it based on long-term future growth, I know I would not, but you can still make money from it now.
Millions of Australians still pay for print magazines; it's still a big market. A magazine customer can be a good, repeat and loyal customer. We must be realistic: we cannot expect the boom times of the past, but with a data-led range focused on enthusiast niches, we can maintain a profitable category well into the future.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

Today is the official start of the Christmas Shopping Season. In my experience helping hundreds of retailers, the clients who never planned a Black Friday Sale but did one at the last minute saw sales.
If you are reading this and feeling like you have missed the boat, it is absolutely not too late. You can have a profitable campaign up and running in less than half an hour. Today, you are positioned to capture the "last-minute" wave of shoppers actively seeking deals. Do not lose the chance.
You might think you need weeks of hype, but the data disagrees. In 2024, in-store shopping made up two-thirds of Black Friday purchases, with Australians spending $2.9 billion in physical stores versus $2.2 billion online. People prefer to touch and take items home immediately.
Even without weeks of planning, participating is highly effective. ABS data shows that retail turnover rose 3% year-on-year last November, driven almost entirely by this event. Shoppers expect these deals, and physical stores in local strips and centres benefit from a "halo effect"—your customers are looking at other shops, and they are already in a spending mindset.
You do not need to discount your entire store. In fact, you shouldn't think that it's a mug's game. The goal here is to use the old stock as an introduction to get people into your shop to buy and get cash in the register.
Select products that will attract bargain hunters and help you clear space. Focus on:
Your [Point of Sale (POS) system]is your secret weapon here. Manual stock checks take hours; your POS does this in seconds. You don't need to guess what isn't selling; let the data tell you.
What is the point of having a Black Friday Sale if you don't tell people about it? You do not need a graphic designer. Your "ad" is your physical shopfront, which shoppers will pass today.
Grab a marker or print some simple A4/A3 signs immediately. Do not worry about them being perfect; urgency sells better than polish.
Track results: Monitor your "Real-Time Sales" dashboard to see what is moving. If a specific item isn't selling by 2 PM, increase the discount instantly.
You don't have to stop today. Rename the sale "Black Friday Weekend" to keep the momentum going through Sunday and Monday.
Australian consumers are active all weekend. By extending your offers, you give people who worked on Friday a chance to buy on Saturday and Sunday.
Common questions we get from retailers launching last-minute campaigns.
Q: Will a last-minute sale make my business look desperate?
A: No. Shoppers expect Black Friday deals. If you don't participate, you look like you're missing out. A "Flash Sale" implies exclusivity and excitement, not desperation.
Q: I can't afford to discount my best-sellers. What should I do?
A: Never discount your best-sellers; they will sell anyway. Only discount inventory that is costing you money by taking up shelf space (dead stock). This converts stagnant assets into cash flow.
Q: Is it worth competing with the big box stores?
A: Yes, you have as much right to this traffic as they do. They are spending the money on advertisements, and you can also get some benefits.
Extend it, extend it and extend it. Black Friday is much longer than a day nowadays.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

Businesses in Australia are facing significant changes with the Government's push to ban surcharges on debit cards and, now, possibly the Reserve Bank's call to remove many other card surcharges, such as EFTPOS and credit cards, from mid-2026. This shift won't wipe out payment costs; it'll just force someone to absorb them, as it will hit business margins.
We have now been actively involved in this discussion, having submitted to the RBA on the matter. Other submissions can be see here.
If surcharges vanish, that feed eats straight into the slim profit they give now for products like Lotto. Many such low margin items raise a major problem. Here for example the ticket price is set by the lottery operator, not the shop. If we are banned from putting a debit surcharge on those transactions, but still pay fees on every tap, the only place left to recover the cost is the rest of the shop. That could mean having to nudge up prices on other prices to make up for the margin lost on fixed‑price lines such as Lotto. Whether that is what regulators and product suppliers intend to allow remains unclear. We are already now starting to look into this problem for our POS System users.
If you want to know where you stand now use your POS system reports to help you track the current situation.
This matter is not being discussed, but should be, as not all debit cards play fair. Premium ones, for example, those with Qantas points or cashback, run on Visa or Mastercard schemes rather than on cheap domestic EFTPOS. These "rewards debit" cards have higher fees to subsidise the value of flyers' points. It's unfair that merchants are paying for bank customers to get extra benefits. If a blanket surcharge ban treats all these debit cards the same with no surcharge, you will be subsidising flyers' points without recourse.
If all "debit cards" are made surcharge-free, that most likely means these high‑cost reward debit cards will also have to be accepted with no surcharge, even though they cost a lot more to process than a plain EFTPOS debit card. That creates a fundamental unfairness for small retailers: customers are encouraged to chase rewards, while the shop silently absorbs the extra cost. From the retailer's point of view, a "tap‑and‑go" debit card on the credit card route can be expensive, like some credit cards. It will be great for the banks and payment providers as the public will rapidly switch to these debit cards.
There is also a practical problem that no one has really answered yet: how is a merchant supposed to know that a card is such a "debit card" before processing it? Most terminals only reveal the transaction type **after** authorisation. If the rules say "you may not surcharge debit, that leaves us guessing at the point of sale, even if surcharges are allowed. Banks and payment providers should be required to give merchants a clear, simple way to see that this tap is not a standard debit card but a premium card **before** acceptance. If they did this, our software could adjust the surcharge.
For now, we are waiting to see where the final rules land, but our message in the review has been simple. Suppose governments want to make debit card payments surcharge-free. In that case, they also need to make sure that (1) high‑cost "reward" debit cards do not quietly dump even more cost on small retailers, and (2) the systems give merchants clear information at the point of sale so we can actually follow the rules in the real world.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

I was at a retail meeting recently, and the topic that got people talking and thinking was "virtual cashiers." It is already happening in America. Here's how it works: instead of having a cashier standing at your counter, you have a screen. On that screen is a real person, live via video, like Zoom. That person is working in another country, maybe the Philippines or India, but they are is your cashier in your shop.
Say you run a fast-food shop; the virtual cashier works just like a regular cashier. They greet the customer, take the order, enter it into your POS system, and guide the customer to tap their card on the payment terminal. Between customers, they can answer your phone, monitor your security cameras, or handle other tasks.
If you run a newsagency, chemist, pet shop, or similar business, it works as a hybrid between self-checkout and a staffed counter. The customer scans their own items with a barcode scanner, while the virtual cashier monitors everything via a camera feed. They can help if a barcode won't scan, handle age verification for tobacco, or answer questions. Most importantly, they watch to make sure everything gets scanned, which will address the biggest problem with self-checkouts: theft. Today, self-checkout theft can be 16 times higher than with traditional cashiers. Some are going back to cashiers, and so few SMB retailers are rejecting them.
Let me be blunt about the costs.
Right now, if you employ a casual cashier in Australia, you're paying around $27 per hour base rate, plus often casual loading. Then there's superannuation at 11.5%. And weekends? That's when it really hurts: 150% on Saturdays and 175% on Sundays. If you're open seven days a week, 12 hours a day, you're looking at over $85,000 a year for one full-time cashier position.
Now compare that to virtual cashier rates. Even if you're paying double or triple the local rate in India or Pakistan, you're looking at $6 to $9 an hour. That is a potential savings of $60,000 or more per year, per position. It's no wonder that so many were interested in the retail meeting.
As a virtual cashier watches the transaction through a camera, another major cost-saving is theft, since the customer knows someone is watching. They can't "accidentally" forget to scan items, and it's harder to swap barcodes, the banana trick where people swap a barcode on a cheaper item onto a dearer one..
When we thought it through, it did not seem as complicated as it might sound.
So yes, there's an upfront cost for this equipment, but when you're saving $60,000 a year, it's minor.
I am sure we could do it right now with some of our clients.
This is the $60,000 question?
Here's what we know: Australians already use self-service checkouts. A friendly face on a screen is actually more personal than such machines. Today, in call centres, customers call businesses every day and speak to someone overseas, often without even knowing it. I know a medical clinic that uses remote receptionists in India. These receptionists book appointments through the practice software.
According to reports in the USA, early feedback from places using these virtual cashiers is mixed: some do not like them, while others say their customers do.
It's worth thinking about.
I'm not going to pretend this is a perfect solution, nothing is, and there are legitimate concerns, but the reality is that your retail margins are tight and getting tighter. Labour costs keep going up. Theft keeps eating into your profits and your customers are increasingly comfortable with technology.
Now ask yourself what matters most to your customers? The lowest price, or a local person behind the counter? My gut feeling is that most will vote with their wallets.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

As Australian retailers modernise their operations, we strongly suggest you replace your barcode readers with 2D scanners that read QR codes. Upgrading to QR code readers, though with a minor hardware cost increase, provides notable benefits in data capacity, efficiency, and customer engagement, offering high ROI.
The most significant advantage of QR codes is their superior data storage capacity. A standard barcode is sufficient only for a price or basic product code. In contrast, a QR code can hold over 4,200 alphanumeric characters. It contains a lot of text information that suppliers can use to store product specifications. We use it too for weighing items for the POS Systems.
QR codes are engineered for superior performance in a fast-paced retail environment. Unlike traditional barcodes that need scanning in a straight line, two-dimensional QR codes can be read from any angle, so you don't have to line them up as much, which speeds up barcode reading significantly.
What I like about QR codes in particular is their better error-correction capability. I have seen them scanned even when the QR code is badly damaged, dirty, or obscured.
Because it has better error correction, it is much faster. There are far fewer attempts to read the barcode.
QR codes are entering the market; we are now seeing products without barcodes, only with QR codes. If you want to handle such products, you need a scanner that reads QR codes, or you need to stick a barcode on each product.
Our CRM can use QR codes. Many suppliers also use a QR code for the same reason.
QR codes are inherently accessible because suppliers favour them, as smartphones can easily scan them.
By adopting QR code readers, you are future-proofing your business.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.

It is not an exaggeration to say that seeing the future is a gift every business wants, but such superpowers are only in fiction. Still, the predictive technology and analytics in your POS Software will give you a better understanding of future events.
For example, using your data-driven analytics and artificial intelligence in your POS system can help you predict your ideal stock holding now based on its historical data. This can help you make real-time decisions, allowing, for example, you to overcome current delivery issues that are leading to shipping delays.
The problem is that you now have thousands of stock items in your shop. Keeping track of all these stock items is, in practice, unworkable as it is too much work. To reduce the workload, many people try to pick the top-selling items and essentially ignore the rest. It works for the top, say 100 items, but leaves the rest out of control. But it is no problem for the computer to control thousands of items.
So stop guessing, use your POS System. Users of our POS System have a free AI system years ahead of any other POS Software I know of that can predict future sales, a challenge every retail business faces. Although precise foresight remains fictional, modern Point of Sale (POS) systems with predictive analytics provide a close second. This technology analyses your past sales data to deliver highly accurate demand forecasts, enabling you to optimise stock levels, boost profitability, and make smarter purchasing choices.
Ineffective inventory management directly impacts profitability. The most visible consequences are stockouts and overstocking, which contribute to a global problem for retailers. Inventory distortion, which includes both overstocks and stockouts, was projected to cost retailers almost $1.8 trillion in 2023. Stockouts alone account for nearly $1 trillion in lost sales for retailers worldwide each year, as customers who cannot find the product they want will often take their business elsewhere. Research shows that retailers lose nearly half of all intended purchases when a product is unavailable. These lost sales represent a significant revenue loss and can damage brand reputation and customer loyalty over the long term. Furthermore, many businesses resort to costly emergency measures such as expedited shipping and overtime labour to manage stock shortfalls, which erode financial stability.
Manually tracking thousands of individual stock items is an unworkable and inefficient task that often leads to errors. Many retailers attempt to manage this by focusing only on their top-selling products, leaving the majority of their inventory unmanaged and susceptible to costly stockouts or overstocking. Predictive analytics integrated within a POS system automates this entire process, providing a comprehensive solution.
The system’s artificial intelligence uses historical data to forecast ideal stock levels for every single item. This enables data-driven, real-time purchasing decisions that can mitigate challenges such as shipping delays. For instance, consider a scenario where your system flags a specific item for review. The data might show you have only two units on hand, but the predictive analytics, based on recent sales velocity and seasonal trends, forecasts four sales for the upcoming week. The system immediately recommends a reorder, allowing you to prevent missed sales and ensure customer satisfaction.
The implementation of predictive analytics delivers tangible returns by converting data into strategic assets. By ensuring popular items are consistently available, you not only capture immediate sales but also strengthen customer loyalty and satisfaction. One of our clients, a mid-sized retail business, discovered an unforeseen surge in demand for a niche product line through their POS system's analytics. By flagging the initial sales trend, the system enabled them to adjust their ordering strategy promptly, capturing significant sales that would have otherwise been lost.
Moreover, this technology greatly cuts the financial cost of overstocking, freeing up capital that would otherwise be tied up in unsold goods. Case studies have demonstrated that businesses using real-time inventory tracking and predictive analytics can boost revenue by 12% and cut emergency replenishment costs by 30% within 6 months. By automating replenishment, organisations can cut stockouts by up to 40%, directly increasing profits and encouraging sustainable growth.
Shifting to a proactive, data-driven strategy is essential for growth.
Ready to stop guessing and start selling smarter?
Let me show you an example. See the example of a stock item above in the ordering screen.
We have here two (2) on hand. The expected sales for this week (focus quantity) are four (4) sales a week. So the computer is saying you need to order ASAP or miss out on sales this week and a few next week until you get it in stock.
That is one item. You now have thousands of stock items in your shop. Doing this is too much work manually.
Using it, you can spot early warning signs.
One of my clients recently discovered that he had forgotten about Diya lamps. These surged in sales last month, so okay, he missed some but managed to get much of it. So he got some excellent sales that he would have missed out on without this predictive analytics.
If you need any help or want to get an automated stock control system going in your shop, please get in touch with us.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.
Product bundling is probably the most successful and standard marketing tool in business today. Ours is one of the few retail packages that does it really well, I have noticed. So please follow the logic and the solution below.
You go to buy a a cable TV plan. It will have a set of channels and access to some loyalty club, all for one price. Another example would be going to a restaurant and getting a special price if you buy a set menu. In both cases, if you add up the items, you will find it cheaper to take the bundle.
From the business point of view, the fact is that you were unlikely to pay for six (6) news channels. Once they sell you on one, the rest is a bonus. Few would buy a full meal at a restaurant, so they package a few high-margin items, sell them at a low price, and give you a bit of a discount, so you buy more. Both are classic examples of product bundling.
Where it often works well in retail is to take a hot seller and pair it with an item that isn't selling well, so you intend to discount it to get rid of it, then put the two items together and make a bundle at a special price. What you often find is that you can sell more as a result of the hot sellers and get a better price for the lousy seller together than you could obtain individually.
Try it out. I think you will find it's a lot better an idea than discounting.
You will find it one of the most effective ways to generate traffic in your shop and generate sales.
Here is where you do it. In this example, one ordinary Father's Day card was used to sell four good sellers in one bundle.

Bundling several products into one package is a great retail strategy. It works well because customers see it as good value, which prompts them to spend more than they originally intended. For businesses, this tactic isn’t just about providing discounts; it’s also a smart way to control inventory and boost profits.
The real magic occurs when you combine a best-selling item with an older, slower-moving product. For example, if you have a popular book that sells quickly and a related magazine that isn't moving well, instead of cutting its price, you can bundle it with the bestseller. This way, you're not only selling the hot item but also moving the less popular one without significant losses. Customers tend to focus on the overall value of the package rather than individual prices. This simple strategy has helped some businesses increase their average sale amount by 20-30%.
There are several strategies to consider. Why not create exclusive bundles, such as a "new parent" kit? It could include a parenting book and a small toy, sold as a bundle. Then, offering your customers the option to buy items separately or as a discounted bundle. This encourages bundle sales. You can test products with different categories. Pairing a popular novel with a toy to get them to explore new products.
Bundles are especially incredible for holidays and seasons. Christmas 2025 is just around the corner. You could start thinking about gourmet hampers that mix books with chocolates or family activity boxes with board games and snacks. And don't forget the "build your own" bundle. Letting customers pick any three books for a set price, for instance, gives them a sense of control and personalisation that people really appreciate.
You don't have to guess what to bundle, either. Your own sales system is probably sitting on a goldmine of information. By looking at your sales reports, you can see what products people are already buying together. Suppose you notice that customers often buy a specific magazine whenever they pick up a particular genre of book. In that case, you’ve got a ready-made bundle idea that's already backed by real behaviour.
A modern point-of-sale system can make this all seamless, allowing your staff to process a bundle with a single scan while automatically updating inventory and pricing.

Bernard Zimmermann is the founding director of POS Solutions, a leading point-of-sale system company with 45 years of industry experience, now retired and seeking new opportunities. He consults with various organisations, from small businesses to large retailers and government institutions. Bernard is passionate about helping companies optimise their operations through innovative POS technology and enabling seamless customer experiences through effective software solutions.