Restaurant credit card processing

Restaurant credit card processing with the rate shown up front

Take cards on Appetier Pay at 2.9% + 30¢ online and 2.6% + 15¢ in person, with free payouts and no monthly fee for payments or the POS. Already have a processor? It still works.

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A card sale on the Appetier POS at a countertop tablet, with Card chosen and the total ready to charge, and a tap-to-pay card reader in front of it.

Card processing is hard to price before you sign

An owner should see the number first.

The rate sits in a quote you have to ask for.
A payout fee shows up on a statement a month later.
A separate processor account has to be opened before the first order.
A dispute arrives with a deadline and no evidence ready.

The rate, before you agree

Online and card on file orders cost 2.9% + 30¢. A card tapped, dipped, or swiped at your counter costs 2.6% + 15¢, and a card your staff type in costs 3.5% + 15¢. An international card adds what it costs to process. If a month's card fees do not cover what processing costs us, we charge the difference as one line on your statement. A restaurant whose fees cover it never sees that line. The console shows the current rates before you accept.

Apple Pay, Google Pay, and Cash App Pay on Appetier Pay

On Appetier Pay, guests can also pay at your checkout with Apple Pay, Google Pay, or Cash App Pay. Each costs the same 2.9% + 30¢ as a card online, and there's nothing to set up.

Standard payouts are free

Money reaches your bank on any day your balance hits $50, and at least every seven days. There's no fee. An instant payout costs 1.5% of the amount, runs only when you ask, and shows its fee first.

No account to open

Fill in your business and bank details in one short form, and checkout turns on once you accept the terms. Appetier stores no tax ID or bank number. There's no per-payout fee and no 1099 fee.

Guests pay you, not us

Payouts go straight to your bank account. Appetier does not hold your money.

Fees, payouts, and refunds beside your orders

The console shows each payment's fee and each payout. Refund an order there, and the refund is recorded once your processor confirms it. The card fee isn't returned.

Card numbers stay off Appetier

Card numbers never touch Appetier or your systems, so there is no extra compliance work. Online, guests type their card into the processor's own form. In person, the reader takes the card. Appetier Pay is PCI compliant.

Disputes with the evidence filled in

A dispute costs $30. That's the processor's own charge, and it comes back to you if the processor returns it. The console lists each dispute with its deadline and fills in the evidence from the order.

A quiet month still costs little

If a month's card fees don't cover what processing costs us, you pay the difference, usually a few dollars, as its own line on your next payout. If they cover it, you pay nothing extra. Disputes, international cards, and instant payouts are charged when they happen.

A shortfall comes from your bank

If a refund or dispute takes your balance below zero, the amount comes from your bank account. You agree to that in setup, before you take a card.

Pick Appetier Pay

Open payment settings in the console and read the rates, the payout rule, and the dispute fee. Your own processor stays one option away.

Fill in one short form

Add your business and bank details, and accept the terms, including taking a shortfall from your bank.

Take orders

Checkout takes cards once the terms are accepted. Payments, fees, and payouts show beside the orders.

Your own ordering site

Guests pay by card at your checkout.

See online ordering

Your counter

Ring up sales on a tablet you own. Take cards on a reader from us.

See restaurant POS system

What Growth costs

No monthly fee for payments or the POS.

See pricing

Stay on your processor or switch to Appetier Pay

Appetier Pay is the default, not a requirement. A processor you already use connects as it is, and Appetier adds no markup to it.

See integrations

Appetier Pay

Restaurant credit card processing FAQs

What owners ask before they take cards.

How much does restaurant credit card processing cost on Appetier?

Online and card on file orders cost 2.9% + 30¢. A card tapped, dipped, or swiped at your counter costs 2.6% + 15¢, and a card staff type in costs 3.5% + 15¢. Standard payouts are free, and there is no monthly fee for payments or the POS. If a month's card fees fall short of what processing costs us, the difference is charged as one line on your statement. The console shows the current rates before you accept.

What does a payout cost?

A standard payout is free. It runs on any day your balance hits $50, and at least every seven days. An instant payout costs 1.5% of the amount and runs only when you ask.

Can guests pay with Apple Pay, Google Pay, or Cash App Pay on Appetier Pay?

Yes, on Appetier Pay. Each shows at checkout on phones and browsers that support it, at the online rate of 2.9% + 30¢. Appetier Pay doesn't offer Cash App Pay for alcohol or gift card sales.

Do I have to use Appetier Pay?

No. Keep the processor you use for online orders, and Appetier adds no markup to it. In person, your provider's reader works on your own merchant account if it can connect to Appetier by API, Bluetooth, or Wi-Fi. Appetier Pay takes cards in person only on a reader from us.

Who holds my money?

Guests pay your restaurant, and payouts go to your bank account. Appetier does not hold your funds.

What happens in a dispute?

A dispute costs $30, returned to you when the processor returns it. The console shows the deadline and fills in the evidence from the order.

Is there a minimum monthly charge?

No. If your card fees for a month fall short of what processing costs us, you pay the difference, usually a few dollars, as its own line on your next payout. If they cover it, you pay nothing extra.

Where can I read the full terms?

The fee disclosure lists every fee, and the payment terms cover the rest.