FULL-SERVICE RESTAURANT PAYMENTS

Built for tables, tickets, and tips.

Pay-at-table hardware, tip-aware processing, and next-day funding — tuned for the pace of a real dining room.

Next day
Funding on Visa/MC
Pay-at-table
EMV & contactless
Tip-aware
Correct surcharge handling
Built for tables, tickets, and tips

A tipped ticket is not a retail ticket

A 20% tip on a $90 check is $18 your processor will happily charge interchange on — before you factor in split checks, voids, and chargebacks from delivery partners. Generic processing stacks don't handle tip exclusion, table turns, or next-day funding well. We rebuild the program around the way restaurants actually take payments: tips and tax excluded correctly, tabs closed cleanly, and funding that lands before Monday's produce order.

Recommended pricing model

The right program for this category

Primary recommendation

Cash Discount / Dual Pricing (0% processing)

Our first-choice program for this category.

If that's not a fit

Interchange-Plus if you'd rather absorb the fee

Honest pass-through alternative — no surprise markups.

Full-service restaurants run high tickets with heavy tips. Cash discount keeps 100% of processing cost off the business. If you'd rather absorb the cost to keep the guest experience untouched, interchange-plus is the next-best fit — honest pass-through pricing with a small, fixed markup.

Recommended technology

Hardware, POS, and gateway matched to the category

Payment terminals

Valor VP800 all-in-one Next-Gen POS for the host stand, Valor VL110 wireless handheld for tableside checkout, Dejavoo QD3 at secondary stations, Clover Flex for quick turns.

Point-of-sale systems

TouchBistro or KwickPOS for full-service operations with strong table management. Union POS if you're a high-volume venue layering in guest-led ordering. rPower for multi-unit or franchise groups. Clover as the flexible alternative. We integrate at the processor layer, so you keep the front end you already run on.

Gateway

NMI for online ordering pass-through, catering invoices, and gift card sales.

Add-ons and integrations

Kitchen printers, KDS integration (native in KwickPOS and Union), tableside tip adjustment, QR table-ordering for faster turns, loyalty program.

Compliance & protections

Category-specific safeguards

  • Tip and tax exclusion configured at the terminal
  • Chargeback representment for delivery and third-party disputes
  • Reserves capped or eliminated on qualified accounts
  • Correct MCC 5812 placement

Common questions

Do you work with delivery aggregators?

DoorDash, Uber Eats, and Grubhub settle through their own platforms. We handle dine-in, takeout, online ordering, and gift cards directly.

Can I keep my current hardware?

If it runs on NMI, Authorize.Net, or a compatible gateway, yes. Square hardware is locked to Square — in that case we bridge with a side terminal or migrate cleanly during off-hours.

How fast is funding?

Next business day on Visa, Mastercard, and Discover by default. Same-day funding available on qualifying accounts.

Ready for a real quote?

Send your last statement. A specialist returns the math and the program that fits your business — usually the same day.