EFTPOS fees on every table
Dine-in payments are almost always processed through an EFTPOS terminal, and the fee charged on each transaction adds up quickly across a full service. With most tables paying by card, even a modest processing rate becomes a meaningful monthly cost once you account for total table turnover.
Online ordering payment fees
Online ordering typically carries its own gateway or platform fee on top of the base card processing rate, since the payment is captured through a website or app checkout rather than a physical terminal. For restaurants running their own ordering site, this fee sits separately from in-store EFTPOS costs and is easy to overlook when reviewing overall payment expenses.
Pay at table and QR payments
Pay-at-table and QR code payments reduce friction for the customer, but they still route through the same card infrastructure and carry the same underlying fees. Some providers charge a premium for pay-at-table hardware or app-based ordering, on top of the standard processing rate.
Payment links for takeaway and catering orders
For phone orders, catering or pre-orders, a shareable payment link lets a customer pay without a terminal being present. This is a common alternative to taking card details over the phone, and it can be built on either card or account-to-account payment rails.
POS reconciliation across multiple payment types
Restaurants often reconcile payments across a POS system, an online ordering platform and sometimes a delivery marketplace, each with its own settlement timing and fee structure. Understanding the total cost across all of these channels — not just the headline EFTPOS rate — gives a clearer picture of what payments really cost the business.
Account-to-account payments for hospitality
Because account-to-account payments move directly between bank accounts rather than through the card networks, they are structured differently to card fees. For a restaurant with high table turnover and relatively low average order values, even a small per-transaction saving can compound meaningfully across a full trading week.
Getting visibility over your payment costs
Many restaurants have never added up EFTPOS fees, online ordering fees and delivery platform commissions side by side. Doing so — and comparing the total against the average transaction value at the till — is often the first step toward finding a lower-cost combination of payment methods.
Calculate your restaurant payment costs
See what card acceptance costs your venue each month, and compare it with an illustrative account-to-account alternative.