Payment Processing Built for Restaurants That Actually Care About Margins
Between food costs, labor, and razor-thin margins, the last thing you need is a processor quietly skimming extra basis points. We help restaurants see exactly what they're paying — and stop overpaying.
Your Processor Doesn't Understand Food Service
Generic processors treat your restaurant like every other business. They don't understand tip adjustments, pre-authorizations, or why you need your money today — not in three days.
The result? Held funds, surprise fees on tipped transactions, and statements that require a forensic accountant to decipher. You deserve better.
Processing That Understands Your Kitchen
Built for the speed and complexity of food service operations.
Free Statement Audit
We'll dissect your current statement and show you exactly where you're losing money on every swipe.
Transparent Pricing
Interchange-plus with a clear markup. No bundled rates hiding extra costs on tipped transactions.
Funding That Fits Your Schedule
Confirm available funding options, eligibility, batch cutoffs, and weekend or holiday timing before switching.
Fast Tip Adjustments
Configure tip adjustments and pre-authorizations for your service model, then check batch timing and settlement details with your provider.
No Contracts
Month-to-month. If we're not saving you money, you can walk. We're that confident.
U.S.-Based Support
Call a real person who understands restaurants — not a script reader in another timezone.
From Food Trucks to Fine Dining
Full-Service Dining
Sit-down restaurants
Coffee Shops & Cafés
Quick-serve beverages
Quick-Service (QSR)
Fast food & counter service
Bars & Lounges
Nightlife & entertainment
Food Trucks
Mobile food vendors
Bakeries & Dessert
Specialty food shops
If you serve food and accept cards, we optimize your processing.
What to Check Before Switching Restaurant Processors
A quick-service counter, a bar running open tabs, and a full-service dining room need different checkout workflows. Start with how you take orders and close checks, then compare the complete monthly cost.
- Tips and tabs: demonstrate pre-authorizations, tip adjustments, split checks, partial refunds, and end-of-day batching using your actual POS configuration.
- Every sales channel: price tableside taps, counter payments, online orders, and manually entered catering deposits separately. Include gateway and ordering-platform charges.
- POS compatibility: confirm your exact hardware model, software plan, integrations, and any restrictions on using a different processor before replacing equipment.
- Funding: get the batch cutoff, deposit schedule, weekend and holiday treatment, and any expedited-funding fees in writing.
- Agreement costs: include software, equipment, additional locations, PCI-related charges, and cancellation terms alongside processing fees.
A restaurant cost example
For illustration, $80,000 in monthly card sales across 1,600 transactions at 2.6% + $0.15 costs $2,320: $2,080 in percentage charges plus $240 in transaction charges. That is a 2.90% effective rate before any other fees. A café with smaller tickets can pay a higher effective rate at the same quoted price because it runs more transactions.
Use the processing fee calculator with a full month of sales and fees, and follow the merchant statement guide to separate processing charges from refunds and deposits. If you are considering different cash and card prices, read the cash discount versus surcharge comparison before changing menus or receipts.
Trusted by Businesses Nationwide
"We were losing almost $800/month on tip adjustment fees alone. Payment USA fixed that in a week."
"Same-day funding changed our cash flow completely. I can pay suppliers on time now without sweating."
"First processor who actually understood how restaurants work. The savings were immediate."
Your Margins Are Tight Enough. Let's Fix Your Processing.
Send us a recent statement. We'll show you exactly what you're overpaying, where the hidden fees are, and what your effective rate should actually be.
Get My Free Restaurant Savings Review →Most merchants hear back within one business day.
What Merchants Are Saying on Google
Real reviews from real business owners, pulled live from our Google Business Profile. Nothing edited, nothing filtered.