How is this different from the rate my current US processor quoted me?

Payzium's US surface publishes two programs. Program A is interchange-plus with a 0.30 percent card-present margin and a 0.40 percent card-not-present margin, plus $0.05 per transaction, plus the $5 monthly account fee. Program B is dual pricing (a posted cash price and a posted card price, where eligible). Both are written on the pricing schedule; the Honest Rate Promise refunds any Payzium-controlled fee not on that schedule.

What if I am on a bundled restaurant POS today?

Bundled POS platforms tie the merchant's card rate to a software subscription. Whether payments can move to Payzium while the software stays is a contract question with the POS provider; Payzium's card rate is transparent regardless of the POS the restaurant uses. If your bundled POS locks payments contractually, the honest answer is to wait out the term.

What happens if my volume changes?

Payzium USA runs four tiers. Up to $100,000 per month is 0.30 percent card-present, 0.40 percent card-not-present. $100,000 to $500,000 steps to 0.25 percent card-present. $500,000 to $1M steps to 0.20 percent. Above $1M is 0.15 percent. The tier boundary is trailing-3-month average and the step-down is automatic.

How fast can I go live?

It depends on the state, the concept, and the boarding-partner review path. Standard file, standard state, and standard concept: boarded to processing within a business week from clean documents. Program A and Program B election is set at boarding, not renegotiated later.

What is Pay less or it's free?

Payzium's US Savings Guarantee. If Payzium cannot lower the merchant's eligible processing cost against the merchant's prior baseline over the guarantee period, Payzium refunds or waives the Payzium fees covered by the guarantee. Approved eligible switching costs are reimbursed up to US$1,000. Requires documentation and approval. The written instrument is the governing document.

What about delivery platforms (DoorDash, Uber Eats, Grubhub)?

Delivery platforms process card-not-present transactions on their own merchant accounts and remit the merchant net of service fees. Payzium handles in-store and direct-online processing. Delivery-platform settlements do not run through Payzium and do not appear on Payzium statements.

Food and beverage

US restaurants run on 3 to 6 percent margins. Every 1 percent of processing markup takes a real bite out of net profit.

Our card-present margin is 0.30 percent on Program A, plus the actual card-network interchange and assessments at cost, plus a $5 monthly account fee. No padding. No junk fees. Written in the pricing schedule.

Start your US application

0.30% + interchange, in writing
Pay less or it's free
Honest Rate Promise
No junk fees

What you pay

A US restaurant on Payzium at typical volumes.

$512/mo
$30,000 monthly volume. About $4,295 a year less than Square USA.
$1,273/mo
$75,000 monthly volume. About $10,828 a year less than Square USA.
$2,495/mo
$150,000 monthly volume. About $22,257 a year less than Square USA.
$4,986/mo
$300,000 monthly volume. About $44,574 a year less than Square USA.

Math is for a blended US card mix at $50 average ticket, 100 percent card-present. Payzium runs the same math on your own numbers before you sign.

Common patterns

Four cost mechanisms every US restaurant pays for.

01
Tip-handling on the blended rate
Under a flat-rate processor's card-present rate, the merchant pays the full processing fee on the tip portion of every ticket, including tips the merchant does not keep under a commission-split or a tip-pool structure. Our card-present margin is 0.30 percent on Program A, plus interchange and assessments at cost. The rate on the tip portion is the same rate as the rest of the ticket. There is no separate tip-handling surcharge.
02
Card-not-present takeout and delivery keying
Takeout, phone-in, and third-party order keying route through card-not-present interchange, which prices meaningfully above card-present at the same card. On flat-rate processing, online-order rates sit at 3.3 to 3.5 percent regardless of the underlying card cost. Program A charges 0.40 percent on the Payzium side of card-not-present, plus the actual card-not-present interchange. On a $60 phone-in order the difference across a busy month adds up.
03
Regulated debit under Durbin
US regulated debit is capped at roughly 0.05 percent plus $0.22 per transaction on the issuer side under the Durbin Amendment. On a flat-rate processor at 2.6 percent plus $0.15, every card-present debit transaction is charged the credit-card blended rate regardless. On interchange-plus, the regulated debit rate flows through as a pass-through line and Payzium's card-present margin sits on top. Debit-heavy restaurants (counter-service, breakfast concepts) see the largest single line of savings on this slice.
04
Statement noise on flat-rate accounts
Standard restaurant merchant agreements accrete junk-fee lines over time: PCI monthly, PCI non-compliance quarterly, statement fee, account maintenance, monthly minimum. Program A has one $5 monthly account fee and no other Payzium-controlled monthly line. The Honest Rate Promise refunds any Payzium fee not on the pricing schedule.

What changes

Three US restaurants. Three switches.

Austin, TX
Full-service restaurant
$95,000 per month
On Square USA Free plan card-present at 2.6 percent plus $0.15. Paying roughly $2,755 per month on processing.
On Payzium Program A at 0.30 percent plus interchange. Paying roughly $1,240 per month.
$18,180
Lower annually
Portland, OR
Quick-service breakfast cafe
$42,000 per month
On Square USA Free plan card-present at 2.6 percent plus $0.15. Paying roughly $1,218 per month on processing.
On Payzium Program A at 0.30 percent plus interchange. Paying roughly $555 per month.
$7,956
Lower annually
Nashville, TN
Casual dining, 2 locations
$135,000 per month
On Square USA Free plan card-present at 2.6 percent plus $0.15. Paying roughly $3,915 per month on processing.
On Payzium Program A at 0.30 percent plus interchange. Paying roughly $1,760 per month.
$25,860
Lower annually

Illustrative composite. Numbers reflect Payzium's published rates and typical restaurants card mix at the stated volumes. Not a real customer case.

Open account

The same published rate, however you sign up.

Step 1
Tell us about your restaurants
Business name, role, monthly volume, your POS.
Step 2
Boarding conversation
We confirm the pricing program and the qualifying device on the account before you sign.
Step 3
Sign and go live
Board on the pricing program that fits your counter. If you run a specialty restaurant POS with an open payments integration, Payzium plugs in against the same terminal. If your POS is closed-bundle, the terminal program on the Payzium account includes a qualifying device and the switch runs against the new hardware.

Start your US application

No phone calls required. Rates are on /us/pricing.

FAQ

US restaurants run on 3 to 6 percent margins. Every 1 percent of processing markup takes a real bite out of net profit.

A US restaurant on Payzium at typical volumes.

Four cost mechanisms every US restaurant pays for.

Tip-handling on the blended rate

Card-not-present takeout and delivery keying

Regulated debit under Durbin

Statement noise on flat-rate accounts

Three US restaurants. Three switches.

The same published rate, however you sign up.

Tell us about your restaurants

Boarding conversation

Sign and go live

Frequently asked questions

Related US verticals.