What coffee shops in Cleveland pay in card fees, and how to get some of it back.
Small tickets, constant taps. A $6 latte on a card can cost you 30 to 40ยข once flat fees stack, that's 5%+ on your smallest sales, hundreds a month across the counter.
It is the same story from Ohio City and Clark-Fulton to Waterloo. The card company takes its cut before you count a dollar. Here is what is different with us: 20% of that cut comes back. We match the credit card processing rate you pay today, and every month we send you 20% of our cut.
A typical Cleveland coffee shop runs about $18,000 a month in cards.
| Who you use | What you pay | What comes back |
|---|---|---|
| Flat-rate reader (Square, Clover Go, Toast) | 2.9% to 3.5% and up | Nothing |
| An old-school card company plus monthly fees | 2.3% to 3.0% plus fees | Nothing |
| Pacta | Same rate you pay now | 20% of our cut, every month |
Every card company keeps a cut of your sales. We send 20% of our cut back to you, every month. We show you your exact dollar amount on the call, in writing, before you sign anything. The program costs $24.99 a month, and you still pay the card fee on refunds. One tip when you compare card companies: the rate they advertise is never the real number. Take one month, add up every fee, and divide by your card sales. That is what you really pay, and it is almost always more than the rate you were quoted.
Nothing at the counter changes.
We match your rate.
Whatever you pay today becomes your rate with us. Nothing to argue about. Most people are approved in one business day.
A free terminal shows up ready.
It arrives with your prices already in it, and a dashboard to run everything from. A person walks your staff through it.
Cash back, every month.
20% of our cut, in your bank. The first one comes about six weeks after you start. Your money lands the same business day on most accounts, and there is no contract.
Straight answers.
What do coffee shops really pay with flat-rate readers?
Small tickets push real costs past 3.5% once the per-sale dime stacks up. At $18,000/month that's $600+ monthly.
Does tipping still work at the counter?
Yes, the tip prompt is built into the tap flow, same as your current reader. Baristas keep their tips exactly as before.
Other trades in Cleveland
Coffee Shops somewhere else
See your real number.
Tell us what your coffee shop runs on cards in a month. Fifteen minutes, and the math is yours to keep either way.