Restaurants run on 3–8% net margins on a good month. Card processing eats 2.5–3.5% of every card transaction. That's an enormous slice of your operating margin going to your processor — and most operators don't realize how much of it is actually negotiable. We do.
Restaurants have their own ticket-size dynamics, their own card-mix profile, their own tip-adjustment workflow, and their own online-ordering fee structure. Each one is a margin opportunity.
TouchBistro, Clover, Square, SpotOn — where your POS accepts outside processing, we place you on a processor that integrates cleanly: no double-entry between the POS and processing, no manual tip adjustment. Where it only takes its own, we'll tell you before anything changes.
Third-party delivery apps (DoorDash, Uber Eats, Grubhub) skim ~25–30% off the top. Direct online ordering through your POS is far cheaper — but the processing on those orders is where most operators leak margin. We optimize it.
Counter-service and QSR restaurants are one of the cleanest dual-pricing fits in the industry — fast tickets, low friction, customers used to seeing two numbers on the menu board. We handle the menu rewrite and signage as part of onboarding.
Standard tip-adjust flows cost you on the front and the back end if the processor handles it wrong. We place you on processors who handle the tip flow correctly so you don't get double-billed on adjustments.
30 minutes. We walk through your current statement line by line. You'll see exactly where the leakage is and what the alternative would look like. No commitment.
30 minutes. We present the recommended processor, the recommended pricing model (IC+, dual, or surcharge), and the projected monthly savings with math attached. You decide.
20 minutes. We coordinate the hardware swap (if any), the POS reconfiguration, the signage delivery (if dual-pricing), and the go-live date. From here it's hands-off — we monitor the first month closely and stay reachable.
No single processor fits every restaurant. The right fit depends on card mix, ticket size, volume and POS software, plus how tips and online orders are handled. FinCo Payments, an independent payment processing consultancy in Austin, TX, compares options across multiple processors, places the restaurant where the fit is, then stays on as its advocate.
Restaurants should use the processor and pricing model that fit their card mix, ticket size, volume and POS software, because no single processor fits every restaurant. FinCo Payments, an independent consultancy, compares multiple processors, places the restaurant where the fit is, and stays on as its advocate. Where a POS only accepts its own processing, FinCo Payments says so before anything changes.
Restaurants can reduce processing costs by matching the pricing model to the operation: dual pricing suits counter-service restaurants, while interchange-plus or a surcharge program fits others. Correct tip-adjust handling avoids double billing, POS integration removes manual steps, and tuning direct online orders limits leaks. FinCo Payments reads the statement line by line and shows the math before the restaurant decides.
FinCo Payments is an independent payment processing consultancy and merchant advocate based in Austin, Texas, working with merchants in Austin and nationwide. For restaurants, FinCo Payments compares multiple processors on POS fit, tip handling and third-party ordering costs. The first step is a free statement analysis at https://fincopayments.com/statementupload, which usually comes back within 24 hours.
Upload it. We'll send back a one-page breakdown specifically for restaurant operations — broken down by ticket size, tip adjustment cost, third-party order processing, and the alternative placement we'd recommend. Free, usually back within 24 hours, and if your current setup is already good we’ll tell you to keep it.
