Restaurant Credit Card Processing
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Most restaurants have moved on from the cash-only payments of the last century. 

Finding a restaurant that does not accept credit cards is akin to going to San Diego and not catching a perfect sunset. 

There’s a push to move away from using cash, and this is something that restaurant owners need to know. Digital payments are expanding quickly. 

In keeping up with the current facets of digital payment, there are countless questions to keep in mind. Understanding the process of accepting payments for your restaurant can help. 

Easy Pay Direct offers payment processing services for restaurants, and we love our restaurant owner customers. 

Do You Need a Restaurant Merchant Account to Process Payments? 

First off, if you are new to the restaurant business the term restaurant merchant account may be a foreign term.

A restaurant merchant account is a specifically selected account through a third-party processor that transfers money from a customer’s credit card account into a processing account and then on into the business’s account.

Without the account, each business would find itself working individually with every credit card company, bank, and payment facilitator.

By combining the process through a single merchant account, the restaurant streamlines the transactions and reduces the amount of paperwork.

Restaurant merchant accounts also afford a layer of protection against fraud and help a restaurant maintain its account activities despite disputes from outside sources.

The host of the merchant account keeps everything flowing smoothly so that money is exchanged for services without lag or downtime.

Easy Pay Direct offers a variety of plans and programs to balance protection with ease of use.

Bottom line, restaurant merchant accounts provide the fastest, safest way for a business to offer credit card payment options to their customers.

Merchant Account Providers: The How’s and Why’s

How do Restaurants Accept Credit Cards? 

When a restaurant runs payment on a credit card the number is run through the local system, sent to the merchant’s bank, funds are verified, the transaction is authorized, and the money transfers to the merchant.

POS Systems

The Point of Sale system is generally the software that allows the credit card to be processed.

Different processing companies will offer variations on the same basic concept. Despite the differing skin, each program allows the merchant to begin credit card processing.

Hardware (Terminals)

The machines that allow the customer to input their credit card information come in several shapes and sizes.

There are dedicated credit card terminals attached to a cash register, mobile card readers, and virtual terminals. Each of these can cater to a specific use.

Basic credit card terminals are the most widely used and can be found everywhere credit cards are accepted.

The terminals require the credit card to be brought to the register for processing. Manual input is also an option, but the processor does not move.

Mobile card readers are generally found in restaurants. These devices range from readers connected to a hub that waiters can bring to an individual table to apps and readers used in food trucks.

Outside of the food industry mobile readers are a favorite of small businesses (arts and craft vendors, cottage industries, authors, etc.) as they allow individuals to process credit cards on a small scale.

The third option is a virtual terminal. These are attached to websites and allow credit cards to be processed when entered manually online.

Features and Options

When looking at the variety of processing companies it can be best to look beyond the shared basics and determine what extras set each company apart.

The kind of restaurant can play into what you are looking for.

A sit-down restaurant may have little need for a mobile scanning device.

Conversely, a pub or food truck can greatly benefit from being able to deliver payment options directly to the customer.

Beyond the hardware that fits each style of eatery, there are perks offered by different companies: customer service standards, multiple accounts to keep you up and running, customer analytics, and customer loyalty programs.

All of these can mean higher profit margins for restaurants. 

Rates and Fees

There is no set standard for rates and fees offered by individual companies.

Even different credit cards charge different amounts. This can play into what rates a processing company offers an individual merchant.

Understanding the three main rate types and how they work with differing restaurant types can drastically change what is paid out and what is recorded as profit.

The three main options are flat rate, tiered rate, and interchange-plus.

Flat Rates are the highest fee per transaction, but it remains the same regardless of what type of card is used.

Tiered Rates categorize each charge into qualified, mid-qualified, and non-qualified. Each swipe of a card slides the bill into one of these categories and thus alters the fee collected by the processing company. This option leads to a fluctuating bill that can be hard to budget for.

Interchange-Plus Rates tend to be the most widely used. It is more transparent than tiered rates since it can be easily calculated. Each charge has an agreed-upon fee in addition to a flat charge on top per interaction.

How to Choose a Restaurant Merchant Account Provider

Choosing the right processing company can make a difference in the success or failure of a restaurant.

When the options are weighed the most important factor is finding the rate that will fit with the restaurant type. Beyond that, the extra features can help set a provider apart from the pack.

Customer service can be key.

Check out reviews and see what kind of wait time you can expect. If a company does not offer 24-hour tech support you could be left with your credit card machines down and unable to accept card payments.

That downtime could cost you thousands.

Bottom line, the provider must fit your specific needs. Examine all the options and weigh them against each other to ensure financial success for your restaurant.

Easy Pay Direct

When making your final decision, Easy Pay Direct is here to give you the flexibility and peace of mind that allows you to focus on what’s important … running a successful business.

The decision to find a credit card processor will instantly improve sales.

Contact us at Easy Pay Direct to find the program that fits your processing need. Check out your options on our website or call us at 800.805.4949 to see what we can do for you.

Restaurant Credit Card Processing

high risk merchant accountsA merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. To get a merchant account, one must submit an application with a merchant account provider. These merchant account providers work with acquiring banks, such as Chase and Wells Fargo, to provide merchant accounts to businesses looking to process credit card payments. There are multiple types of merchant accounts depending on how the bank categorizes the industry of the merchant. If the merchant account is used for card not present (CNP) or ecommerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.

Who Easy Pay Direct Works With

Easy Pay Direct works with all kinds of merchants, including, what the banks call, “high risk” merchants. These merchants happen to be in an industry that the banks label as high risk which means that they have a higher likelihood of chargebacks, disputes and fraud. The most common reason for this is card not present transactions which presents a higher risk of fraud. These merchants can have a particularly hard time finding a high risk merchant account because a lot of payment processors refuse to participate in high risk processing. Even if these merchants find a “high risk payment processor” they can still frequently deal with holds or freezes on their money and shut down merchant accounts. This is where Easy Pay Direct saves the day by finding them a high risk merchant account provider that wants to work with their business and providing them with all the resources to meet their high risk credit card processing needs.

What Easy Pay Direct Provides: Merchant Accounts

credit card merchant accountEasy Pay Direct provides merchant accounts specifically tailored to a merchant’s industry. We do this by leveraging our banking relationships to apply for merchant accounts on your behalf. However, we do not just apply for any merchant account, we use providers who want to work with your business model and underwrite their merchants. This is important because it lays out all the cards on the table and ensures that a provider gets to know who you are and your business model before working with you. That way they know what to expect moving forward. This strategy guarantees that we find a merchant account provider that wants to work with you, making the likelihood of holds, freezes and shut downs, much less and providing a stable credit card processing.

Another benefit to this is you get to avoid the nightmare that applying for merchant accounts can be. Not only do most merchant account providers do very little underwriting, but it can take many applications before you find a merchant account that is good for you. Each application that you send out hurts your chances of getting approved for the next because multiple applications make you look desperate to a provider which they perceive as high risk.

After your merchant account is set up

After we get you set up with your first merchant account, we recommend getting you an additional merchant account if you have over $250,000 in sales volume a year. This is to ensure stable payment processing. Even though Easy Pay Direct takes all the precautions to prevent you from experiencing a hold, freeze or shutdown, we can never know how banks might act in the future. If they hire someone new or implement a new algorithm, your account could have action taken against it. In the event of this, if you have a second merchant account that is already up, running and processing payments, you can pivot your revenue stream to this account and avoid holds, freezes, and shut downs all together.

Now all of this may seem complicated and a lot of work, and it would be if you were doing this on your own. However, if you are working with Easy Pay Direct, we manage all of this for you making your role in all of this very easy. We even assign you your very own Certified Payment Specialist (CPS), who will monitor your merchant accounts for you, giving you one point of contact for all of your merchant processing needs.

How to Get a Merchant Account

The first step on your path to a new merchant account is starting the Easy Pay Direct application or if you would rather chat with someone to find out more, call us at (800) 805-4949*. We can get you set up in as little as 2 DAYS!

*Hint: This is easier cause we can fill out your application for you!

Choose the right Merchant Account for your business:

The Easy Pay Direct Client experience

At Easy Pay Direct your journey will begin with your application which we use to collect information about you and your business to match you with the right merchant account provider. From there you will be connected with your very own New Client Specialist (NCS) who will help you complete this application and will be your contact to answer all of your questions.

Once we have the necessary information and have assessed your business model, you will be classified as a Gold, Platinum or Diamond merchant based on your unique payment processing needs. After this you will be introduced to your Certified Payment Specialist (CPS) who will be your one point of contact for all of your payment processing needs. This ensures that when you call, you are talking to someone that you know and who knows you and your business. They will apply for merchant accounts on your behalf and help you set up your new merchant accounts and your online payment gateway.

After that, you will be ready to start accepting payments. Your CPS will monitor your accounts and keep in contact whenever you want to chat or if they need to alert you of something that requires your attention on top of annual merchant account reviews.

Why Easy Pay Direct?

easy pay direct merchant accountWe pride ourselves on making your life easier and facilitating the growth of business across the globe. We have been doing this successfully for years and have helped countless businesses achieve their full potential, just check out some of our testimonials. More importantly, Easy Pay Direct would love to play it’s part in helping you achieve your goals and service your consumers smoothly. if you’re interested in working with us, you can start your EMAP  application below or call us at: (800) 805-4949 | Get Set-up with a Merchant Account »

  • Frank Kern Frank Kern

    “I am a very very happy client of Easy Pay Direct. Getting set up with them was really really simple and very very professional. I did not have to jump through a lot of hoops. The paperwork was done in a very organized fashion. Everybody was in touch with my team every single step of the way… I am very happy to recommend them to anybody under any circumstances”

    Check out Frank’s story here!

    Frank Kern Inc.
    Frank Kern
  • Heather Seitz Heather Seitz

    Thank you SO much for following up. It speaks volumes about how you guys do business over there for sure… 

    Emailability LLC
    Heather Seitz
  • Colin Egbert Colin Egbert

    “Besides getting us a great rate, they really helped us get our money released after we did a launch and had a bunch of money held. They are always quick to respond, always keeps us in the loop, and always shoot straight”
    Colin Egbert
  • Amzi Marsh Amzi Marsh

    “Easy Pay Direct is a user friendly system that when coupled with exceptional customer service – gives any business owner peace of mind. Big Thanks EPD!”

    Tu Accion En Vision
    Amzi Marsh
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