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Stripe
Scalable payment processing for all business sizes
Stripe offers a powerful, developer-friendly payment processing platform with transparent pay-as-you-go pricing. The platform supports multiple payment methods, global currencies, and provides robust APIs for customization, making it suitable for restaurants of all sizes.
Square Payments
Complete payment ecosystem with free POS
Square Payments offers a complete payment processing ecosystem with transparent pricing and no setup fees. The platform provides free basic service with competitive rates (2.6% + $0.10 in-person) and integrates seamlessly with Square's POS and e-commerce tools.
PayPal Braintree
Flexible processing with strong PayPal support
PayPal Braintree is a PayPal-owned payment platform operating in 45+ countries with support for 130+ currencies. With top-tier technology and competitive rates versus Stripe/Adyen, it provides interchange-plus pricing for high-volume merchants and strong PayPal ecosystem integration with global reach.
Adyen
Enterprise global payment platform
Adyen is an enterprise global payment platform with 250+ payment options including regional methods (iDEAL, Alipay, SEPA). With 5.96% payment management market share, it provides full-stack acquiring, POS terminals in 40+ markets, mobile readers, countertop devices, and unified data across all channels.
Toast Payments
Integrated payment processing for Toast POS
Toast Payments is the required payment processor for Toast POS users (no third-party processors allowed). While rates are higher than competitors (4-5x more expensive), it's fully integrated with Toast POS and supports EMV chip, NFC/contactless, Apple Pay, Google Pay, and mobile payments with restaurant-specific features.
Heartland Payment Systems
Secure restaurant payment processing
Heartland provides secure payment processing with more competitive pricing than Toast and higher ease-of-use ratings (4.3/5 vs Toast 4.2/5). It includes more tools (online ordering, loyalty programs) that Toast charges extra for, plus tokenization technology that keeps restaurants 'Out of Scope' for data breach risks.
Frequently Asked Questions
What is a payment processor for restaurants?
A payment processor handles credit card transactions, transfers funds to your bank account, and ensures secure payment data handling. Restaurant processors like Stripe, Square, and Toast Payments integrate with POS systems and support various payment methods (cards, mobile wallets, contactless).
How much do payment processors charge restaurants?
Payment processing fees typically range from 2.3% to 3.5% + $0.10-$0.30 per transaction. Square charges 2.6% + $0.10, Stripe charges 2.9% + $0.30, and Toast Payments around 2.49% + $0.15. Rates vary based on transaction volume and whether cards are swiped, tapped, or entered manually.
Can I use any payment processor with my POS?
Not always. Some POS systems require their built-in payment processor (Toast, Square). Others offer flexibility to use third-party processors (Stripe, PayPal). Check compatibility before choosing. Integrated processing usually offers better reporting and lower rates.
What is the difference between a payment gateway and processor?
A payment gateway (like Stripe) securely transmits payment data from your POS to the processor. A payment processor (like Heartland, Adyen) handles the actual transaction with banks. Many companies (Square, Stripe) provide both services in one integrated solution.
Need Help Choosing?
Compare features, pricing, and reviews to find the perfect payment processing solution for your restaurant.
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