LOC Software in Canada: what it does with your card payments, and how to keep it when you change processors.

The short answer

• LOC is your POS and your payment link. The software rings up the sale, sends the amount to the PIN pad or the pump, and records the result.
• LOC SMS is now ThriVersA. LOC renamed its product line in 2024. A site set up before then may still run an SMS version, so the version matters.
• LOC sells only through certified resellers. Your LOC dealer installs it, sets up payments and supports you.
• The fuel module is for unbranded fuel. LOC aims ThriVersA Fuel at convenience stores and other fuel retailers that do not fly a fuel brand.
• A processor change depends on your setup. LOC offers fully integrated and semi-integrated payments, but it publishes no list of the processors it works with in Canada. That has to be checked for your version and devices.

What LOC Software does

LOC sends each card sale to the device that reads the card and records the approval against the sale, so the counter, the pumps and the books agree.

The cashier or driver starts the sale, LOC sends the amount to the device, the card is read and sent to the processor for approval, and the processor settles the money to your bank account.

At a fuel site, ThriVersA Fuel adds the forecourt. LOC says it is certified with leading fuel controllers and tank gauges and works with pay-at-the-pump devices. LOC says in-store sales can be paid at the pump, and one balancing report covers fuel and store.

Terminals it runs on

LOC publishes no device list, so this table shows what LOC says it works with, plus one pump reader common in Canadian dispensers; your dealer confirms the exact models.

What it handles

LOC's public pages cover tap, wallets, gift cards, loyalty and offline sales, but they say nothing about Interac by name, cashback, fleet cards or fuel pre-authorization.

Who uses it

LOC builds for independent retailers with high volume: grocers, natural food stores, convenience stores, pharmacies and specialty shops. Its French company brochure says more than 10,000 LOC systems run every day. The fuel module is for convenience stores and other unbranded fuel sites that want fuel and store sales in one system.

LOC sells only through certified, authorized POS resellers, who supply the hardware, install the software and handle custom work. Your dealer is usually the first call for anything about payments.

LOC has used add-on payment software before. In January 2018, LOC and Index, a San Francisco company, announced a semi-integrated payment module for LOC SMS that ran on Verifone and Ingenico PIN pads. With both fully integrated and semi-integrated options, two LOC sites can connect to payments in different ways.

Keeping your POS when you change processors

Keeping LOC and changing who processes your cards can be possible, because LOC offers more than one way to connect payments. In a semi-integrated setup, the PIN pad talks to the processor and LOC only sends the amount and records the result. In a fully integrated setup, LOC's own software carries the payment, and the processor must be certified with it.

For a change to work, all of this has to be true:

• Your LOC version supports the new link. SMS and ThriVersA are different releases, and older SMS versions may not have it.
• The new processor is certified with LOC for your setup. That covers the counter and the pumps. LOC publishes no list, so your dealer and the processor confirm it.
• A new merchant account is opened. Your old merchant account and its merchant ID do not move.
• Your devices are re-keyed or replaced. A PIN pad or pump reader keyed for one processor may need new keys or a swap. Pump readers sit inside the dispenser, so your fuel service company may be involved.
• Your LOC dealer does the work. Plan the date with them.

Nobody can promise the result before these are checked.

What to check before a change

Where CleverPays fits

LOC builds the software. Your LOC dealer installs it and sets up payments. Your fuel service company looks after the pumps. The processor approves and settles each card payment. CleverPays makes none of it.

We read your setup and name each part: the POS, its version, the payment link, the PIN pads, the pump readers and the processor. Then we tell you in writing whether a change is possible and what it would affect, before anything moves.