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Get Started FreeHigh-Risk Industries · Restaurants
In today's fast-paced restaurant industry, a reliable restaurant merchant account is essential. Whether you operate a fine dining establishment, casual eatery, pizzeria, food truck, ghost kitchen, or delivery-driven concept, you need restaurant credit card processing that can keep up with your business.
PayKings provides restaurant merchant accounts and payment processing designed specifically for food service businesses. Our systems handle everything from dine-in transactions to online ordering, delivery payments, and mobile wallets — with interchange-plus pricing and next-day funding so you never miss a sale.
Be approval-ready
What restaurant underwriters ask for
Your terms, before you sign
$13/mo
Monthly account fee, plus a $4.50 per month PCI compliance fee.
$100–$500
Early termination fee range, based on contract terms — and it can be waived. Ask before you sign any agreement.
Next-day
Funding options that keep cash flow moving on the tight margins restaurants run on.
Apply
Getting set up
Start with our streamlined application, designed for restaurant businesses. Filling out the form on this page takes only a few minutes.
Underwriters typically ask for a government-issued ID, business bank account details (such as a voided check), business formation documents or licensing, and recent processing statements if you're switching providers. Having these ready keeps your application moving.
Our specialized team matches your application with the best-fit bank among our 20+ financial institution partners and guides you through pricing model, hardware, and account setup. Underwriters typically review projected volume, ticket size, chargeback history, and your mix of card-present and online orders. Complete files generally move through review quickly, and we'll keep you updated on timing at every step.
Once approved, we'll help you configure your terminals, payment gateway, and PCI compliance so you can begin accepting all types of payments — with next-day funding options that keep cash flow moving while your restaurant business grows.
Rates & fees
| Pricing Model | How It Works | What to Know |
|---|---|---|
| Interchange-plus | Passes the direct interchange fee from Visa, Mastercard, American Express, and other card networks to you, then adds a transparent markup. | Widely considered the fairest and most cost-effective structure — and the pricing model PayKings uses. Most restaurants with consistent volume benefit most from interchange-plus. |
| Flat-rate | You pay a single flat rate per transaction regardless of card type. | Easy to understand, but can cost more at higher volumes. |
| Tiered | Transactions are sorted into qualified, mid-qualified, and non-qualified buckets. | Processing rates can vary significantly between buckets, and this model is often less transparent. |
An interchange fee is the portion of your processing costs that goes directly to the bank that issued your customer's card. These rates are set by the card networks — not your processor — and vary by card type and transaction method: EMV chip, contactless, or card-not-present. Because online ordering and delivery transactions are card-not-present, they generally fall into different (and often higher) interchange categories than in-person payments, which makes a transparent pricing model even more important for restaurants with meaningful online volume.
Want to see exactly what these numbers look like for your ticket sizes and card mix? Get a free merchant account quote and compare it line by line against your current statement.
Why PayKings
PayKings brings extensive experience in restaurant payment processing, with solutions designed to handle the unique challenges of food service businesses.
Through our partnerships with over 20 financial institutions, we can provide the perfect payment processing solution for your specific needs. Whether you're a new restaurant or an established chain, let us help you implement comprehensive payment solutions tailored to your business model.
At PayKings, restaurant merchant services go beyond credit card processing. Our solutions help you manage your business effectively:
Every concept
Food service merchant services can't stop at the dining room. PayKings supports the full range of food service businesses, with payment processing matched to how each concept actually operates:
Modern restaurants face unique challenges that require specialized payment processing solutions — which makes it essential to have a merchant account provider that understands their specific needs:
Online & high risk
Online restaurant credit card payment processing is core revenue now, not a side channel. PayKings connects a secure payment gateway to your online ordering platform so web and app orders settle into the same restaurant merchant account as your dine-in sales — one statement, one reconciliation.
Because online orders are card-not-present, they're assessed under different interchange categories than in-person EMV payments. With interchange-plus pricing, you see exactly what each online order costs instead of paying a single blended flat rate across your entire volume.
Delivery orders also carry more dispute risk — wrong or missing items, late deliveries, and "item not received" claims can all come back as chargebacks. Our merchant accounts include chargeback prevention and fraud protection tools, plus support for responding to disputes when they happen.
For in-person service, our high-risk POS systems for restaurants support these options, so guests can pay the way they prefer:
Restaurant owners don't always think of themselves as high risk, but processors and underwriting banks often do. A few patterns common to food service drive that classification:
This is the risk profile PayKings specializes in. Through partnerships with over 20 financial institutions, we place restaurant merchant accounts for businesses that traditional processors may classify as high risk — restaurants included, alongside the many other high-risk processing industries we support.
Built for restaurants
The restaurant industry requires payment processing solutions that can handle everything from dine-in transactions to online orders and delivery services. You need a merchant services provider who understands these diverse needs and can provide comprehensive solutions:
PayKings is the premier choice for restaurant merchant accounts. Our extensive experience in the food service industry and strong financial partnerships enable us to provide reliable payment processing solutions that grow with your business.
Our restaurant merchant accounts support multiple payment methods, integrated POS systems, and robust reporting features. Focus on serving your guests while we handle the complexities of credit card processing for restaurants with our secure, reliable solutions.
Mainstream restaurant POS and processing brands like Toast and Clover work well for many merchants, and the POS systems provided by PayKings are comparable to both. If you're weighing the best merchant services for restaurants, here's where PayKings differs:
In the end, the best credit card processing for restaurants comes down to fit: pricing transparency, approval flexibility, funding speed, and hardware that matches your service style.
What's included
The difference
Built for the businesses other processors turn away.
FAQ
Everything you need to know about high-risk payment processing
There are three primary pricing model options available to restaurant owners:
Most restaurateurs with consistent volume benefit most from interchange-plus pricing.
Depending on your layout and service style, you have a couple of hardware choices:
The right hardware will streamline payment collection and improve the overall flow of your restaurant operations.
See how PayKings supports adjacent verticals and the payment solutions that pair with them.
