Payment Solutions

Payment Processing Built for Restaurants

Accept every payment method, reduce processing fees, and keep more of your revenue — all integrated directly into your POS system.

The Challenge

Why Payment Processing Costs Restaurants So Much

Processing fees, chargebacks, and fragmented systems eat into already thin margins

Processing Fees

The average restaurant pays 2.5-3.5% on every card transaction. On $50K/month in card sales, that's $15,000-$21,000 per year going straight to processors.

Chargebacks

Disputed charges cost you the transaction amount plus a $25-100 chargeback fee. Without proper tools, restaurants lose these disputes more than 60% of the time.

Split Payments

Large parties want to split checks 4, 6, or 8 ways across different cards. Generic processors make this slow and error-prone, frustrating both staff and guests.

Disconnected Systems

When your POS and payment processor don't talk to each other, you get manual reconciliation, keying errors, and end-of-day headaches that waste hours every week.

Full Coverage

Accept Every Payment Method

One integrated system handles every way your customers want to pay

EMV Chip & Contactless

Accept chip cards, tap-to-pay, Apple Pay, and Google Pay. EMV chip transactions reduce your fraud liability and speed up checkout compared to swipe-only terminals.

Gift Cards

Sell and redeem physical and digital gift cards directly through your POS. Track balances, expiration dates, and redemption history. Gift cards bring in new customers and drive repeat visits.

QR Code Payments

Let guests scan a QR code at the table to view their check and pay — no waiting for the server. Speeds up table turns and improves the guest experience during peak hours.

Online Ordering Payments

Process payments from your website, third-party delivery apps, and phone orders through the same system. One reconciliation, one report, one deposit — regardless of the order source.

Cash with Dual Pricing

Encourage cash payments by offering a cash discount. Dual pricing shows both prices upfront — transparent for the customer, significant savings for you. Legal in all 50 states.

Split Payments

Split checks by seat, item, or custom amount across unlimited cards. Handle large party payments in seconds instead of minutes. No more manual calculations or frustrated guests.

Save on Fees

Dual Pricing: Keep More of Your Revenue

The most effective way to offset credit card processing fees without surprising your customers

How Dual Pricing Works

Every menu item shows two prices — a cash price and a card price. The card price includes the processing cost built in. Customers see both prices before they order, so there are no surprises at checkout.

For a restaurant processing $50,000/month in card sales at a 3% rate:

$18,000/year in processing fees you could be recovering with dual pricing

Unlike surcharging, dual pricing is legal in all 50 states because it's structured as a cash discount — not an added fee. Your POS handles the pricing automatically, and we provide compliant signage for your restaurant.

Our Partner

Powered by IP Payware

Restaurant-focused payment processing with transparent pricing and dedicated support

IP Payware — Payment Processing & POS

Through our partnership with IP Payware, your restaurant gets competitive processing rates, next-day funding, PCI compliance support, and a dedicated account manager who understands the restaurant industry. No hidden fees, no long-term contracts, no surprises on your statement.

Learn more at ippayware.net →
Metro Atlanta

Restaurant Payment Processing in Metro Atlanta

Lower rates, next-day funding, and a local team for Atlanta-area restaurants — with statewide service across Georgia.

Everything But The Food works with restaurants, bars, and cafés across metro Atlanta from our base in Alpharetta. We review your current processing statements, move you to competitive transparent rates through our partner IP Payware, and set up next-day funding, EMV and contactless acceptance, and dual pricing if you want to offset card fees — with a local point of contact instead of an 800-number.

We serve restaurants in Alpharetta, Roswell, Sandy Springs, Marietta, Duluth, and Buckhead, and across Fulton, Cobb, Gwinnett, and DeKalb counties, with remote onboarding available statewide in Georgia. Send us a recent statement and we'll show you, line by line, what you're paying now and what you'd save.

Ready to Reduce Your Processing Costs?

Get a free consultation. We'll analyze your current processing statements and show you exactly how much you could save.

Get a Free Quote
FAQ

Restaurant Payment Processing FAQ

Straight answers to what restaurant owners ask most about processing fees and dual pricing.

How much does restaurant credit card processing cost?
The average restaurant pays 2.5%–3.5% on every card transaction. On $50,000/month in card sales, that's roughly $15,000–$21,000 a year in processing fees. Everything But The Food, powered by IP Payware, offers competitive transparent rates with no hidden fees and no long-term contracts.
What is dual pricing, and is it legal?
Dual pricing shows a cash price and a card price on every item, with the processing cost built into the card price. It's legal in all 50 states because it's structured as a cash discount, not a surcharge. We provide the compliant signage and your POS applies the pricing automatically.
How much can dual pricing save my restaurant?
A restaurant processing $50,000/month in card sales at a 3% rate can recover about $18,000 a year in processing fees with dual pricing.
Can I reduce chargebacks at my restaurant?
Yes. Disputed charges cost you the transaction amount plus a $25–$100 chargeback fee, and restaurants lose more than 60% of disputes without the right tools. Our integrated system gives you the EMV protection and documentation to prevent and fight them.
How fast do I get paid?
Through our IP Payware partnership, restaurants get next-day funding, PCI compliance support, and a dedicated account manager who understands the restaurant industry.
Do you support split checks and every payment type?
Yes — EMV chip, contactless, Apple Pay, Google Pay, gift cards, QR-code table payments, and online-ordering payments, plus splitting a check by seat, item, or amount across unlimited cards.
Do you handle restaurant payment processing in the Atlanta area?
Yes. Everything But The Food is based in Alpharetta and sets up and supports payment processing for restaurants across metro Atlanta — including Roswell, Sandy Springs, Marietta, Duluth, and Buckhead, and Fulton, Cobb, Gwinnett, and DeKalb counties — with remote onboarding available statewide in Georgia. You get competitive transparent rates through IP Payware, next-day funding, and a local account contact instead of an 800-number.
How do I lower my restaurant's credit card processing fees in Georgia?
Start with a free statement review. We compare your current effective rate to a transparent rate through IP Payware and, if you want to offset card fees entirely, set up dual pricing — which is legal in Georgia as a disclosed cash discount. Most Atlanta-area restaurants we work with sharply cut or fully eliminate their monthly processing cost this way.

Want the full breakdown of how dual pricing works, its rules, and how it compares to surcharging? Read the complete dual pricing guide from our payments partner IP Payware.