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Payzium.
Food and beverage

US restaurants run on 3 to 6 percent margins. Every 1 percent of processing markup takes a real bite out of net profit.

About $5,438 a year back in your business on $75,000 a month in card sales, compared with Toast.

Close checks at the table, have tonight's sales in your account tomorrow, and stop losing margin to a processor you never see. On 3 to 6 percent margins, every point you keep is real money.

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  • Next-day funding
  • Pay less or it's free
  • Honest Rate Promise
  • No junk fees
Payzium-controlled fees only
A chef-owner smiles at the pass of a busy open kitchen

Estimate at our published rates; a person runs the same math on your own statement before you sign.

What switching means for your restaurant.

$75,000
$5K$100K$1M
Who processes your cards today?
Kept in your first year

$5,438

About $453 a month back in your business compared with Toast, and $16,315 over three years.

How your price is built

At $75,000 a month in card sales

Network costs (interchange and assessments), passed through at cost
$1,199.30
Payzium margin
$135.00
Payzium per-transaction fees
$75.00
Monthly account fee
$5.00
Your total a month
$1,414.30
Effective rate
1.89%
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Estimate for a typical profile: 100 percent in person, $50 average ticket, compared with each processor's published US rates. A person runs the same math on your own statement before you sign.

What a US restaurant keeps by switching.

Math is for a blended US card mix at $50 average ticket, 100 percent card-present. Payzium runs the same math on your own numbers before you sign.

Kept a year at $30,000 a month, compared with Square
$3,615
Kept a year at $75,000 a month, compared with Square
$9,128
Kept a year at $150,000 a month, compared with Square
$18,857
Kept a year at $300,000 a month, compared with Square
$37,774

Four cost mechanisms every US restaurant pays for.

  1. Tip-handling on the blended rate

    Under a flat-rate processor's card-present rate, the merchant pays the full processing fee on the tip portion of every ticket, including tips the merchant does not keep under a commission-split or a tip-pool structure. The rate on the tip portion is the same rate as the rest of the ticket. There is no separate tip-handling surcharge.

  2. Card-not-present takeout and delivery keying

    Takeout, phone-in, and third-party order keying route through card-not-present interchange, which prices meaningfully above card-present at the same card. On flat-rate processing, online-order rates sit at 3.3 to 3.5 percent regardless of the underlying card cost.

  3. Regulated debit under Durbin

    On a flat-rate processor at 2.6 percent plus $0.15, every card-present debit transaction is charged the credit-card blended rate regardless. On interchange-plus, the regulated debit rate flows through as a pass-through line and Payzium's card-present margin sits on top. Debit-heavy restaurants (counter-service, breakfast concepts) see the largest single line of savings on this slice.

  4. Statement noise on flat-rate accounts

    Standard restaurant merchant agreements accrete junk-fee lines over time: PCI monthly, PCI non-compliance quarterly, statement fee, account maintenance, monthly minimum. The Honest Rate Promise refunds any Payzium fee not on the pricing schedule.

    Eligible Payzium-controlled processing cost only. Interchange and network fees excluded.

Three US restaurants. Three switches.

  • Austin, TX$95,000 per month

    Full-service restaurant

    Before: Square USA Free plan.

    After: Payzium, funded the next day, with no junk fees.

    $11,580
    Kept a year
  • Portland, OR$42,000 per month

    Quick-service breakfast cafe

    Before: Square USA Free plan.

    After: Payzium, funded the next day, with no junk fees.

    $5,088
    Kept a year
  • Nashville, TN$135,000 per month

    Casual dining, 2 locations

    Before: Square USA Free plan.

    After: Payzium, funded the next day, with no junk fees.

    $16,968
    Kept a year

Illustrative composite. Numbers reflect Payzium's published rates and typical restaurants card mix at the stated volumes. Not a real customer case.

See your cost before you switch.

You find out what you are really paying before you commit to anything. No phone calls required.

  1. Within 1 business day

    Find out what you are really paying

    Send one month's statement as a PDF or a photo. Within 1 business day a person shows you, line by line, where your money goes.

  2. Before you sign

    Know your cost before you sign

    Your pricing program and your device are confirmed in writing first, so there is nothing to discover later.

  3. Every business day after

    Start selling, with the switch paid for

    Your terminal arrives ready to go, and up to US$1,000 covers the cost of switching. From then on, today's sales land tomorrow.

Board on the pricing program that fits your counter. If you run a specialty restaurant POS with an open payments integration, Payzium plugs in against the same terminal.

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FAQ

Frequently asked questions

What if I am on a bundled restaurant POS today?

Bundled POS platforms tie the merchant's card rate to a software subscription. Whether you can switch to Payzium's published pricing while the software stays is a contract question with the POS provider; Payzium's card rate is transparent regardless of the POS the restaurant uses. If your bundled POS locks payments contractually, the honest answer is to wait out the term.

How fast can I go live?

It depends on the state, the concept, and the underwriting review. Standard file, standard state, and standard concept: boarded to processing within a business week from clean documents. Program A and Program B election is set at boarding, not renegotiated later.

What is Pay less or it's free?

Payzium's US Savings Guarantee. If Payzium cannot lower the merchant's eligible processing cost against the merchant's prior baseline over the guarantee period, Payzium refunds or waives the Payzium fees covered by the guarantee. Approved eligible switching costs are reimbursed up to US$1,000. Requires documentation and approval. The written instrument is the governing document.

Eligible Payzium-controlled processing cost only. Interchange and network fees excluded.
What about delivery platforms (DoorDash, Uber Eats, Grubhub)?

Delivery platforms process card-not-present transactions on their own merchant accounts and remit the merchant net of service fees. Payzium sets up in-store and direct-online card payments. Delivery-platform settlements are separate and do not appear on Payzium statements.

Your rate, on your numbers. See it, then decide.

Run the calculator with your monthly volume. Read the published rate card. Then apply. No commissioned rep will call.

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