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Payments for cafés & bakeries

A lot of small sales, a tip on many of them, and a line that can’t wait. Most of those taps are Interac debit, which should be priced low and not at credit rates. On tickets this small, the per-transaction fee matters more than the percent. We set you up clean, handle tips right, and show you exactly what you pay.

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Small tickets, big fee math

When most of your sales are a coffee and a pastry, the per-transaction fee repeats hundreds of times a week, and on a small sale it can outweigh the percentage. A lot of those payments are Interac debit, and a flat-rate app charges the same rate on everything, so you overpay on debit that should cost less. A clean, transparent setup that fits small tickets keeps that from quietly eating your margin. And your regulars expect to tap, tip, and go.

See your monthly cost
Per-transaction math mattersOn a small sale, the per-swipe fee can outweigh the percentage. We optimize for how you actually sell.
Tips done rightSimple for staff, simple for regulars, clean on your statement.
Interac priced rightDebit should be priced low, not at credit rates like a flat-rate app charges.

What are you really paying?

Enter last month's numbers from your statement.

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Your effective rate is the real percentage you pay on every dollar you process.

An estimate based on the numbers you enter. Send your statement for the full statement review.

Your real rate: the equation and the gap Total fees divided by total card volume gives the effective rate, shown as $1,500 divided by $50,000 equals 3.0 percent, with two bars underneath where the effective rate stands taller than the rate you were quoted and the difference is bracketed as downgrades and junk fees. YOUR REAL RATE Total fees divided by total card volume. Two numbers from your statement, one honest answer. TOTAL FEES $1,500 everything you paid last month ÷ CARD VOLUME $50,000 everything you ran on cards = EFFECTIVE RATE 3.0% your real rate what you actually pay on every dollar, once every fee is counted the headline number The rate you were quoted QUOTED RATE DOWNGRADES + JUNK FEES 3.0% Your effective rate THE GAP Downgrades and junk fees The quoted rate only applied to some of your transactions. The rest, plus the monthly fees, is the gap. The advertised rate is what they want you to look at. The effective rate is what you actually pay. LEGEND The rate you were quoted Your effective rate Downgrades and junk fees Example from the statement guide on allpropay.com. Illustration, not a quote.

Works with your POS

Some systems let you choose your processor. Others lock you in. Here is the honest picture for cafés and bakeries, and where we fit.

Open

Keep your software, switch to us

Many café and bakery POS systems are open or pair with a standalone terminal, so you keep your software and move the processing to AllProPay.

Locked

Locked to their own processing

Some all-in-one tools, like Square Appointments or Clover, lock you to their processing. If you’re on one, we’ll show you the real cost and the math on switching.

We’ll check

Tell us what you run

Setups vary. Tell us your POS and we’ll confirm what we can do.

Many cafés and bakeries run a tablet POS or a standalone terminal at the counter. Not sure about yours? Ask us and we’ll confirm.

What other café owners say

Common questions

Most of our sales are under $15. Does the per-transaction fee matter more than the percent?
Often, yes. On a small sale, the per-transaction fee can outweigh the percentage. We look at how you actually sell and set up pricing that fits small tickets.
Does AllProPay handle tips at the counter?
Yes. We set up tipping so it is simple for your staff and your regulars, and so the totals are clean on your statement.

See your business's real numbers

Send one recent statement. We’ll show you what you pay and where it can come down. No obligation.

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