Merchant services and POS for restaurants, bars and cafes
Tabs, tips, tableside payments, online ordering and a kitchen that gets the ticket. Restaurant processing and POS from someone who sets it up with you.
- Free statement analysis
- Month-to-month options
- $0 upfront equipment with qualifying agreement
- Local to Fort Bend & Houston
Get a free quote
Tony replies within 1 business day. No obligation.
Payments for restaurants, without the runaround
Restaurant margins don't leave much room for card fees, and restaurant payments are more complicated than most: pre-authorized tabs, tip adjustments, split checks, online orders, third-party delivery and a kitchen printer that has to work at 7 p.m. on a Friday.
We match full-service, quick-service, bar and cafe setups with POS platforms built for food service, configure menus and modifiers before opening, and set up dual pricing or a cash discount if you want card sales to help cover processing.
- Table maps, tabs and split checks
- Tip adjust and tip pooling reports
- Kitchen printers or kitchen display screens
- Online ordering into the same POS
- Handhelds for pay-at-table
- Dual pricing menus and receipts
What a good restaurants setup includes
Built around the way you take orders and get paid.
Front of house
Counter, bar and server stations with fast modifiers.
Pay at the table
Handhelds so the card never leaves the guest's sight.
Kitchen tickets
Printers or screens routed by station.
Online ordering
Pickup and delivery orders in one queue.
Dual pricing
Cash and card prices on menus and receipts.
Opening support
Menu build and a test service before day one.
Take every way your customers pay
One merchant account can cover the counter, the phone, the website and the job site.
Credit & debit cards
Visa, Mastercard, Discover and American Express (Amex may need separate approval), tapped, dipped, swiped or keyed.
Digital wallets
Apple Pay, Google Pay and other contactless wallets on any NFC-ready terminal.
Online & invoices
Payment links, a virtual terminal for phone orders, and website checkout through a payment gateway.
Mobile & on-site
Wireless terminals and phone readers for deliveries, job sites, markets and events.
ACH & eCheck
Bank-to-bank payments for larger invoices and recurring billing, usually at a lower cost than cards.
Recurring billing
Card-on-file and scheduled payments for memberships, retainers and service plans.
Three ways to price card processing
There's no single best model. We'll show you each one priced against your real numbers, then you choose.
Flat rate
One percentage plus a per-sale fee on every card. Easy to read, but you pay the same rate on a cheap debit card as on a premium rewards card.
- Predictable
- Simple statements
- Often costs more as volume grows
Fits: low volume, seasonal or brand-new sellers
Interchange-plus
You pay the card networks' wholesale cost (interchange and assessments) plus a fixed, disclosed markup. Every layer shows on your statement.
- Most transparent
- Markup stays fixed
- Usually lowest cost at higher volume
Fits: established businesses, larger tickets, B2B
Cash discount / dual pricing
Your posted prices account for card costs, and customers paying cash get a lower price. Card sales help cover processing instead of your margin.
- Offsets much of your processing cost
- Clear signage and receipts
- Not a surcharge
Fits: restaurants, auto, retail, service shops
Not sure which fits? Get a free statement analysis or read pricing explained.
Why business owners work with Cedarline
We're a small, independent agent. That means fewer layers between you and the person who set up your account.
One person who answers
You work with Tony directly, from the first statement review to go-live and after. No call-center queue to start.
Pricing you can read
Every quote shows the rate, per-item fee, monthly fees and any equipment terms in writing before you sign.
Options, not one platform
We compare programs from several partner processors and POS platforms, so the setup fits your business instead of the other way around.
Set up correctly
Cash discount signage, receipt settings, tip and tax settings, and test transactions are handled before you go live.
Get set up in three steps
From first call to first sale, without the guesswork.
Send a statement or tell us your plans
Existing business? Send one recent processing statement. Opening soon? Tell us what you'll sell and when.
Compare your options
You get a side-by-side of pricing models, equipment and terms, priced against your numbers.
Go live, tested
Approval, equipment programming, signage and test transactions, done before you rely on it.
Approval timing depends on the processor's underwriting. Most complete applications get a decision in a few business days.
Frequently asked questions
What's a typical effective rate for restaurants?
It varies with average ticket, card mix and how much is keyed vs. tapped. A free statement analysis shows yours.
How do tips affect processing?
Tips are added to the authorized amount, and you pay processing on the full total. Your POS should handle tip adjustments before batching.
Can you help a restaurant that hasn't opened yet?
Yes. Start 30 to 60 days ahead so the POS, menu and payments are tested before your soft opening. See opening a new business.
Other industries
Not sure what you're paying, or what you'll need?
Send a recent statement or tell us about the business you're opening. You'll get a plain-English breakdown and options, with no cost or obligation.