Merchant services for restaurants & cafes in New York
Countertop or pay-at-table terminals, with tips built in — with pricing you can read, chargeback protection, and a real person when you call, for businesses in New York City, Buffalo, Rochester and across New York.
What restaurants & cafes deal with
Tips and tabs that change the final amount
Tip adjustments and pre-auths are built into the terminal, so tabs close cleanly and the right amount settles.
Thin margins eaten by card fees
Dual pricing lets card-paying guests cover the card cost — many restaurants keep almost all of it.
Busy rushes that cannot wait on a slow terminal
Fast EMV and tap-to-pay terminals, pay-at-table options keep the line moving.
The setup we recommend
Countertop or pay-at-table terminals, with tips built in.
- Approval decision on most complete applications in 24–48 hours
- EMV, tap-to-pay and wallet-ready terminals
- Fast deposits to your business bank account
- Chargeback protection with dispute alerts
- US-based support by phone, email and portal
- No partner pricing tricks — one fee schedule you sign before anything is submitted
Dual pricing
Your posted card price is a little higher than the cash price, so customers who pay by card cover the card cost. Signage and receipts are set up for you, and the terminal does the math.
Typical effective rate for restaurants & cafes: about 2.6–3.2% all-in. Check yours free →
Questions from New York businesses
What do restaurants & cafes usually pay for card processing?
Most restaurants & cafes pay an effective rate of about 2.6–3.2% all-in (total fees divided by total card sales). Your rate depends on your card mix, ticket size and whether cards are tapped, inserted or keyed. Our free statement check shows yours in a minute.
What setup do you recommend for restaurants & cafes?
Countertop or pay-at-table terminals, with tips built in. We confirm the setup with you before anything is submitted, so you only pay for what you use.
Do you offer dual pricing for restaurants & cafes?
Your posted card price is a little higher than the cash price, so customers who pay by card cover the card cost. Signage and receipts are set up for you, and the terminal does the math.
How fast can I get approved in New York?
Most complete applications get an underwriting decision within 24–48 hours. Having your ID, a voided check and recent bank or processing statements ready speeds it up. All applications are subject to underwriting approval.
Is dual pricing allowed in New York?
Cash-discount (dual) pricing is generally permitted in all US states when it is disclosed clearly at the point of sale and on receipts. Surcharging credit cards is different: some states restrict it, and card-network rules cap it. We set up whichever program fits your state and your customers.
Do you work with businesses across New York?
Yes — we work with businesses in New York City, Buffalo, Rochester and everywhere else in New York. Everything is done online and by phone, and terminals ship to your door.
Can I keep my current terminal or POS?
Often, yes. Many terminals can be reprogrammed, and online carts connect to Authorize.Net or NMI. Tell us what you use and we will check before you switch.
See what you are really paying
Enter three numbers from your last statement and get your effective rate instantly — then an exact quote from a specialist within one business day.
Other industries in New York
All applications are subject to underwriting approval. US-registered businesses only. Rates depend on your business, card mix and how you accept payments.