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Payments for restaurants

High volume, thin margins, a tip on every check, and a lot of Interac debit taps. Processing fees add up faster here than almost anywhere. We set you up clean, price Interac debit low instead of at credit rates, and handle tips right.

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Volume turns small fees into big fees

When you run hundreds of checks a day, a small percentage and a per-transaction fee repeat all night long. By the end of the month it is a real line on your P&L. Margins are already tight, so this is one of the few costs you can actually move.

A lot of those checks are Interac debit, which costs far less to run than credit. It should be priced low, not at credit rates. Flat-rate apps charge the same rate on everything, so they overcharge you on every debit tap. We price Interac debit on its own line so you keep more of each check.

See your monthly cost
High volume compoundsA clean rate on every check adds up fast across a busy month.
Tips done rightSimple for staff, clean on your statement and your reporting.
Interac debit priced lowDebit taps cost less than credit, so we price them low, not at credit rates.

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 restaurants, and where we fit.

Open

Keep your software, switch to us

Some restaurant systems are open and let you choose your processor, especially when paired with a standalone terminal, so you keep your setup and move the processing to AllProPay.

Locked

Locked to their own processing

The big all-in-one restaurant systems, like Toast and Square, lock you to their processing. If you’re on one, we’ll show you the real cost and the honest 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.

Common in restaurants: Toast, Square, Clover, SpotOn, TouchBistro, Lightspeed Restaurant. Not sure about yours? Ask us and we’ll confirm.

Quebec restaurants and bars

Equipped for Quebec's mandatory sales recording

If you operate in Quebec, you have to record your sales the way Revenu Quebec requires, through a sales recording module (MEV) or the newer cloud-based WEB-SRM. We set up your payments, your Interac, and a point of sale that meets the rules, together, so it is one clean system instead of two.

Read the Quebec WEB-SRM guide
One system, not twoSales recording and payments set up together at the point of sale.
Interac priced rightHeavy debit volume in restaurants, priced like Interac, not credit.
English or FrenchSet up from Pointe-Claire. We confirm your obligation is your call with Revenu Quebec.

What other operators say

Common questions

Why do processing fees matter so much for restaurants?
Restaurants run high transaction volume on thin margins, with lots of Interac debit taps, so even a small percentage on every check adds up to a meaningful number each month. A clean setup protects margin.
Should Interac debit cost the same as a credit card in a restaurant?
No. Interac debit is heavily used in restaurants and costs far less to run than credit, so it should be priced low, not at credit rates. Flat-rate apps that charge one rate on everything overcharge you on every debit tap. We price Interac debit on its own so you keep more of every check. Note that restaurants in Quebec can’t surcharge at all, so the answer is lower pricing, not a surcharge.

See your restaurant'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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