Philadelphia · Main Line · Southeastern Pennsylvania
Restaurant Payment Processing & POS Systems
Custom Payments LLC helps restaurant owners compare payment workflow, POS options, written pricing, equipment, and support responsibilities before making a change. The starting point is how the restaurant accepts orders and payments—not a generic rate or device claim.
Map the restaurant payment workflow
- For table service, review open tabs, split checks, gratuity workflow, receipts, incremental authorizations, and staff permissions.
- For counter service, consider order flow, modifiers, contactless acceptance, customer-facing displays, mobile wallets, printers, and peak-period checkout.
- For online orders, document menus, ordering channels, payment flow, pickup or delivery processes, reporting, and third-party connections.
- For reconciliation, clarify what appears in the POS, merchant statement, bank deposits, tip reports, and accounting records.
Compare POS and payment processing separately
A POS system can support operational tasks such as orders, tables, menus, employee permissions, reporting, and online ordering. A payment processor handles payment authorization, settlement, and related account services. Compatibility depends on the existing POS provider, terminals, integrations, online-ordering setup, gift-card program, and written terms. Confirm those details before assuming a processor change requires a new POS system—or that a POS change requires a new payment relationship.
Review pricing and customer-facing models carefully
A current merchant statement and a written proposal can help organize transaction, fixed, software, hardware, gateway, support, cancellation, and optional-service questions. Cash discounts, dual pricing, and surcharging are distinct models. Visa’s public guidance describes a cash discount as a reduction from the standard price; a restaurant should confirm current acquirer, card-network, payment-method, customer-display, and applicable requirements for its specific configuration before changing customer-facing prices. This is general information, not legal or pricing advice.
Plan the transition before cutover
Assign ownership for active orders, tabs, tips, stored customer data, loyalty, gift cards, reports, delivery or online-ordering connections, equipment, and staff communication. Confirm export, configuration, testing, support, and escalation responsibilities before selecting a migration date.
Frequently asked questions
Can a restaurant change payment processors without replacing its POS system?
Sometimes. It depends on the restaurant’s POS provider, payment integration, terminals, online-ordering setup, gift-card program, and written terms. Those details should be confirmed before a decision.
What should a restaurant compare before choosing a payment processor?
Compare payment methods and workflow, pricing structure and fixed charges, contract terms, terminal or POS compatibility, settlement and reporting process, support responsibilities, and the handling of online ordering, tips, tabs, deposits, and gift cards.
Does restaurant payment processing determine whether a business can receive funding?
No. Restaurant payment processing, POS selection, and business funding are separate decisions. Any funding option should be evaluated independently with the relevant provider, disclosures, and written terms.
Continue your restaurant payment research
Restaurant payment processing in Philadelphia · Restaurant merchant fees explained · Restaurant switching guide · POS systems and equipment · Cash discount, dual pricing, and surcharge guide · Shift4 annual fee guide