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Industries | Restaurant Payment Processing

Restaurant Credit Card Processing

Restaurant Credit Card Processing

Most restaurants overpay on processing without realizing it. EBizCharge brings transparent interchange-plus pricing and native connections to Aloha POS, Clover, and 100+ POS and accounting platforms so you stop paying twice for the same transaction.

  Accept credit card, debit card, and ACH payments inside Aloha POS, Clover, and 100+ other platforms

  EMV terminals for dine-in and tableside payment acceptance

  Transparent fees, no long-term contracts, and free setup

Franklin Shiraki

“We've been very satisfied customers. You guys have always treated us like VIPs… Your support team’s on it, and always willing to go the extra mile for us.”

Franklin shiraki, CFO

“We've been very satisfied customers. You guys have always treated us like VIPs… Your support team’s on it, and always willing to go the extra mile for us.”

Franklin Shiraki

Franklin Shiraki, CFO

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Overview

Merchant account services for restaurants and food service businesses

Merchant account services for restaurants and food service businesses

Restaurant Credit Card Processing

Why restaurants struggle with payment processing

Most restaurants are losing money in two places they cannot see clearly. The first is the processor statement itself, where bundled pricing, tiered rates, and hidden markups quietly push effective rates well above what was originally quoted. The second is the back office, where staff spend hours each week manually exporting sales data, reconciling tips by hand, and chasing catering deposits through a separate workflow. Both are costs. Neither is necessary.

Why choose EBizCharge for restaurant payment processing

EBizCharge works as a payment layer inside the POS and accounting software your restaurant already uses, and it is priced to actually reduce what you pay. Interchange-plus pricing makes every line item on your statement transparent, so you know exactly what is being charged and why. For restaurants with a catering book, Level 2 and Level 3 data is supported on qualifying corporate and purchase cards, which drops interchange on B2B transactions that would otherwise get billed at the highest rate. Every payment channel reconciles automatically into your accounting system, so your back-office team stops re-entering data at shift end.

Restaurant payment processing built for operators who need transactions to post correctly and fees that are actually transparent.

Restaurant payment processing built for operators who need transactions to post correctly and fees that are actually transparent.

Native POS integration, EMV terminals, surcharging to offset processing costs, and in-house U.S.-based support included.

Native POS integration, EMV terminals, surcharging to offset processing costs, and in-house U.S.-based support included.

Features

Specialized features for restaurant merchant accounts

Specialized features for restaurant merchant accounts

100+ native integrations

EBizCharge connects to iBistro, Clover, POS365, and 100+ platforms. Transactions, tips, and daily totals post automatically with no manual entry required.

EMV terminals

Secure EMV terminals handle counter service and tableside payments with real-time approval notifications and automatic sync to your POS and accounting system.

Automated reconciliation

Accounts receivable automation

Transaction totals, tips, and adjustments sync automatically into your accounting software at end of day. Your back-office team stops matching payment data manually every night.

Payment links

Payment links and email invoicing

Send a payment link to any catering client or event booker and collect deposits or final payments in seconds. Payments post automatically into your accounting system without a terminal interaction.

Surcharge management

Surcharge management

Pass credit card fees to the customer through a built-in surcharging program where state law permits. One of the most practical ways to reduce what your restaurant pays per transaction.

Advanced security

PCI compliance and security

Tokenization and encryption keep cardholder data out of your systems. PCI DSS compliance is built in across every account, reducing liability without extra work from your team.

See more features

Compare EBizCharge

Restaurant payment processing software unlike the rest

Restaurant payment processing software unlike the rest

Other Providers

EBizCharge

  • No native POS integration

  • Native iBistro and Clover integration

  • Manual daily reconciliation

  • Automated daily reconciliation

  • No email pay for catering invoices

  • Email pay for catering and events

  • Generic customer services

  • 24/7 specialist support

  • Locked into contracts

  • No long-term contracts

  • Statement fees, PCI fees, and batch fees

  • $0 statement, $0 PCI, $0 batch fees

  • No Level 2/3 data support for corporate catering

  • Level 2/3 data on qualifying corporate cards

With EBizCharge

  • Native iBistro and Clover integration

  • Automated daily reconciliation

  • Built-in surcharging program

  • Email pay for catering and events

  • No long-term contracts

  • 24/7 specialist support

Users love us

The best payment processor for restaurants in 2026

The best payment processor for restaurants in 2026

Built into the POS your restaurant already uses

EBizCharge integrates natively with iBistro, Clover, POS365, and 100+ other platforms. Transactions and tips post automatically with no manual reconciliation at shift end.

Built for how restaurants actually collect money

Dine-in EMV, tableside payments, catering email pay, and surcharging to offset fees all run through one platform connected to the accounting software your restaurant already uses.

Dedicated account management

A dedicated team that knows your business

Setup, onboarding, training, and support are handled in-house by a U.S.-based team. You reach a real EBizCharge representative every time, not a third-party reseller or an automated queue.

Setting up your restaurant merchant account is simple

Setting up your restaurant merchant account is simple

Most restaurants are approved and processing payments within two to three business days. EBizCharge handles your POS integration and terminal setup during onboarding so your front and back of house teams are ready to go before the first transaction.

Fill out a short application with your restaurant’s basic information and processing details. The whole thing takes about 15 minutes.

Most accounts are reviewed and approved within one to two business days. Your dedicated onboarding contact reaches out as soon as your account is active.

Your EBizCharge integration with iBistro, Clover, or your POS platform is configured by our team. EMV terminals are set up and tested before your first service.

Your front and back of house teams receive live training before going live. In-house support, upgrades, and integration updates are all included at no additional cost.

restaurant payment processing

Frequently asked questions

Frequently asked questions

Restaurant credit card processing refers to the payment infrastructure restaurants use to accept credit card, debit card, and contactless payments from dine-in guests, takeout customers, delivery orders, and catering clients. The right solution integrates natively with the restaurant POS system, handles tip adjustment and daily reconciliation automatically, and keeps processing fees transparent without long-term contracts.

EBizCharge integrates natively with iBistro, Clover, POS365, and other POS platforms. Transactions are processed inside the POS system and post automatically to the accounting software your restaurant uses. Tips, adjustments, and daily totals reconcile automatically so your back-office team is not manually entering data at shift end.

Toast and Square are all-in-one platforms that bundle POS hardware, software, and payment processing together. EBizCharge is a payment processor that works inside POS systems you already have or prefer. If your restaurant runs iBistro, Clover, or another platform and you want more control over your payment processing fees, integrations, and support, EBizCharge is the payment layer that fits inside your existing setup rather than replacing it.

Many restaurants can pass credit card processing fees to customers through a surcharge or convenience fee program, though rules vary by state and card network guidelines apply. EBizCharge offers a built-in surcharging program. Restaurants should verify applicable state regulations before implementing any fee program.

Restaurant processing fees vary based on the card type, transaction method, and whether Level 2/3 data is captured. EBizCharge offers transparent, flat-rate pricing with no hidden fees and no long-term contracts. The surcharging program is also available for restaurants that want to offset processing costs entirely where permitted.

Yes. EBizCharge provides secure EMV chip card terminals for dine-in counter service and tableside payment acceptance. Terminals process transactions in real time with instant approval and decline notifications and sync automatically to your POS and accounting system.

EBizCharge is PCI DSS compliant and uses tokenization and end-to-end encryption to protect cardholder data. Sensitive card information is never stored in your restaurant’s systems, which reduces PCI scope and limits liability. Fraud prevention tools and secure vault storage are included on every account.

Most restaurants are approved and live within two to three business days. The application takes about 15 minutes, approval typically comes within one to two business days, and your POS integration and terminal setup are handled by EBizCharge during onboarding. Staff training is included before go-live at no additional cost.

Ready to set up payment processing for your restaurant?

Ready to set up payment processing for your restaurant?

Native POS integrations, EMV terminals, automated daily reconciliation, and a surcharging program to offset fees — all with transparent pricing and no long-term contracts.

Native POS integrations, EMV terminals, automated daily reconciliation, and a surcharging program to offset fees — all with transparent pricing and no long-term contracts.

$0 Starting Costs | $0 Cancellation Fees | Unlimited Support