GlossaryVoid vs Refund: What's the Difference and Which Costs Less
Void vs refund explained: learn why voiding before the batch closes can save processing fees, when a refund is required, and how to train staff.
MannyPay Editorial TeamFood & Hospitality
Restaurants & Bars Payment Guides
Payment processing guides for restaurants & bars: costs, hardware, fraud, compliance and growth, from the MannyPay editorial team.
Glossary
Business GrowthUsing POS Customer Data to Market Smarter on a Small Budget
Learn how POS customer data marketing works on a small budget: five reports to pull, four simple segments and the campaign each one needs.
MannyPay Editorial Team
ComparisonsSurcharging vs. Cash Discount vs. Dual Pricing: Which Is Legal?
Surcharging vs cash discount vs dual pricing: compare card brand rules, debit limits, signage and state law so you can pick a compliant fee-offset model.
MannyPay Editorial Team
Business GrowthSMS Marketing Rules: Text Customers Without TCPA Trouble
Learn the SMS marketing rules for consent, opt-outs, quiet hours and 10DLC registration so your business can text customers without TCPA trouble.
MannyPay Editorial Team
IndustriesSelf-Order Kiosks for Restaurants: Costs, ROI, and Setup
Self-ordering kiosk restaurant guide: hardware and software costs, unattended payment security, upsell potential and how to estimate your ROI.
MannyPay Editorial Team
Business GrowthRestaurant Opening and Closing Checklist for FOH and BOH
Use this restaurant opening and closing checklist to split FOH, kitchen, and manager duties, from temp logs to POS closeout and tip reconciliation.
MannyPay Editorial Team
IndustriesQR Code Ordering and Payment: A Setup Guide for Restaurants
Planning QR code ordering for your restaurant? Learn how scan-to-order and scan-to-pay affect tips, check size, staffing and card processing costs.
MannyPay Editorial Team
ProductsPay-at-the-Table Handhelds: Faster Turns and Safer Card Handling
See how pay at the table handhelds change restaurant checkout, tipping and card security, plus what to check on Wi-Fi, battery, and training before rollout.
MannyPay Editorial Team
Filipino BusinessesOnline Ordering for Restaurants Without High Delivery App Fees
Learn how Filipino restaurants can set up restaurant online ordering without delivery apps, move regulars to direct orders and keep more of each sale.
MannyPay Editorial Team
Business GrowthHow to Record Credit Card Processing Fees in Your Books
Learn how to record credit card processing fees with gross-sales journal entries for daily and monthly fee setups, and see your true revenue.
MannyPay Editorial Team
Filipino BusinessesHow to Read Your Credit Card Processing Statement Line by Line
Learn how to read a credit card processing statement line by line, calculate your true effective rate, and spot junk fees worth negotiating.
MannyPay Editorial Team
Business GrowthHow to Get More Google Reviews (Without Breaking the Rules)
Learn how to get more Google reviews with the right timing, channels and wording, plus the incentive and gating practices that can put your reviews at risk.
MannyPay Editorial Team
Rates & FeesHow to Compare Merchant Processing Quotes Side by Side
Learn how to compare credit card processing rates with a simple worksheet that turns every merchant services quote into one true monthly cost.
MannyPay Editorial Team
Processing BasicsHow to Choose a Payment Processor: 10 Questions to Ask First
Learn how to choose a payment processor with 10 questions on pricing, contracts, funding speed, integrations, and support to ask before you sign anything.
MannyPay Editorial Team
Business GrowthHow to Balance a Cash Drawer: Step-by-Step End-of-Shift Count
Learn how to balance a cash drawer with a repeatable end-of-shift count, read your POS cash report, and set an over/short threshold your team can follow.
MannyPay Editorial Team
Business GrowthForm 1099-K for Merchants: Reconcile It Before Tax Time
A 1099-K for small business shows gross card volume, not profit. Learn why it's higher than your revenue and how to reconcile it before you file.
MannyPay Editorial Team
IndustriesFood Truck Payment Processing: Mobile Setup That Works Anywhere
Food truck payment processing guide: pick a card reader and POS, stay online at events, speed up lines, and handle sales tax at every stop.
MannyPay Editorial Team
NewsFed Debit Fee Cap: Regulation II Proposal and Court Ruling Explained
Learn where the Regulation II debit interchange cap stands after the Fed's proposal and the Corner Post ruling, and what each outcome means per $100.
MannyPay Editorial Team
Processing BasicsDigital Wallets for Business: Which Ones to Accept and Why
Compare digital wallets for business by reach, cost, dispute rules and checkout impact so you accept the wallets your customers actually use.
MannyPay Editorial Team
Business GrowthCredit Card Surcharge Rules: What's Legal and How to Comply
Learn the credit card surcharge rules that matter: network caps, debit limits, state laws and disclosure steps so you can plan a compliant fee program.
MannyPay Editorial Team
Filipino BusinessesZelle, Venmo, or Card Reader: How Should Your Shop Get Paid?
Zelle vs Venmo vs credit card for small business: compare fees, buyer protection, scam risk and record-keeping so you know when to add a card reader.
MannyPay Editorial Team
Rates & FeesWhy Did My Credit Card Processing Fees Go Up?
Credit card processing fees increased? Learn whether card mix, network changes, or a processor markup caused the jump and how to respond.
MannyPay Editorial Team
GlossaryWhat Is PCI DSS Compliance? A Plain-English Merchant Guide
What is PCI compliance? Learn your merchant level, which PCI SAQ fits your setup, and how to stop paying monthly non-compliance fees.
MannyPay Editorial Team
Business GrowthRestaurant Loyalty Program Ideas That Bring Diners Back Sooner
Restaurant loyalty program ideas tied to food cost, not flat discounts: menu-item rewards, slow-day bonuses and online-order perks that bring diners back.
MannyPay Editorial Team
Business GrowthRestaurant Labor Cost Percentage: How to Calculate and Cut It
Learn how to calculate restaurant labor cost percentage, track sales per labor hour, and use POS hourly data to schedule leaner without hurting service.
MannyPay Editorial Team
IndustriesRestaurant Chargebacks: Fighting Walkouts and Delivery Disputes
Learn how to fight restaurant chargebacks from walkouts, disputed bar tabs, inflated tips and missing deliveries, plus the evidence that wins each case.
MannyPay Editorial Team
Business GrowthPCI Compliance for Small Business: Which SAQ Do You Need?
PCI compliance for small business, simplified: match your card setup to the right SAQ, handle scans, and stop paying monthly non-compliance fees.
MannyPay Editorial Team
IndustriesPay-at-the-Table Devices: Are They Worth It for Your Restaurant?
Is a pay at the table restaurant setup worth it? Weigh handheld costs against faster table turns, tips and skimming protection, and estimate your payback.
MannyPay Editorial Team
ComparisonsMerchant Account vs. Payment Aggregator: Which Fits Your Business?
Merchant account vs payment aggregator: compare approval speed, fund holds, pricing and stability so you know when it's time to switch to your own account.
MannyPay Editorial Team
Processing BasicsInterchange-Plus vs. Flat-Rate vs. Tiered: Pricing Models Compared
Compare credit card processing pricing models side by side. See how interchange-plus, flat-rate, tiered and subscription pricing affect your monthly costs.
MannyPay Editorial Team
Processing BasicsInterchange Downgrades: Why Some Sales Cost More and How to Fix Them
Learn what causes an interchange downgrade, how to spot non-qualified transactions on your statement, and the settings that help you avoid paying more.
MannyPay Editorial Team
Business GrowthInstant Approval Merchant Accounts: What 'Instant' Really Means
An instant approval merchant account can be live in minutes but reviewed later. Learn the tradeoffs and how to get a dedicated account approved fast.
MannyPay Editorial Team
Business GrowthGift Cards for Small Business: How to Set up and Sell More
Learn how to set up a gift card program for small business, connect it to your POS, account for unredeemed balances and sell more cards year-round.
MannyPay Editorial Team
Local Guides · FLFlorida Credit Card Surcharge Law: Is It Legal Now?
Learn where Florida credit card surcharge law stands after Dana's Railroad Supply, which card rules still apply, and how to set up a compliant program.
MannyPay Editorial Team
Business GrowthEmployee Scheduling Software: Small Business Buyer's Guide
Compare employee scheduling software for small business: the features that cut labor costs, POS integration, pricing models and rollout tips.
MannyPay Editorial Team
NewsCheckout.com Moves Into Stores: What It Means for Card-Present Sales
Checkout.com in-person payments are coming to stores. Learn what the Mollie deal means and what to check before using one processor online and in-store.
MannyPay Editorial Team
ComparisonsBest POS System for Small Business: A Buyer's Checklist
Find the best POS system for small business with a checklist that weighs features, total cost, processing lock-in and contract terms before you sign.
MannyPay Editorial Team
Business Growth13-Week Cash Flow Forecast: Build One From Your Sales Data
Learn how to build a 13-week cash flow forecast from real card deposits, fees, and holds so your projection matches what actually lands in your bank.
MannyPay Editorial Team
GlossaryWhat Is EMV? Chip Cards and the Liability Shift Explained
What is EMV? Learn how chip cards stop counterfeit fraud, how the EMV liability shift makes swiping costly, and how to check your terminal.
MannyPay Editorial Team
ComparisonsWhat Is a POS System? How It Works and What It Does
What is a POS system? Learn how POS hardware, software and payment processing fit together, and how to spot processing lock-in before you sign.
MannyPay Editorial Team
Fraud & SecurityVisa Chargeback Reason Codes: Every Category Explained
Visa chargeback reason codes explained by category: what each dispute type claims, the evidence that answers it and how to prevent it.
MannyPay Editorial Team
IndustriesRestaurant Sales Tax on Takeout, Delivery Fees, and To-Go Orders
Learn how restaurant sales tax on takeout works, when delivery fees and service charges are taxable, and how to set up your POS to tax orders correctly.
MannyPay Editorial Team
IndustriesReconciling DoorDash, Uber Eats, and Grubhub Payouts to Your POS
Learn how to reconcile DoorDash payouts, plus Uber Eats and Grubhub deposits, to your POS so you catch missing money, error charges, and unapproved refunds.
MannyPay Editorial Team
Business GrowthPoints, Punch Cards, or Tiers? Picking the Right Loyalty Model
Compare the main types of loyalty programs, from punch cards to points, tiers and paid memberships, and match each model to how your customers buy.
MannyPay Editorial Team
IndustriesOpening a Restaurant? Getting Your Merchant Account Approved Fast
Plan your merchant account for new restaurant opening day: what underwriters want, how to limit reserves, and when to order and test hardware.
MannyPay Editorial Team
Rates & FeesNon-Qualified Rates: How Tiered Pricing Downgrades Cost You
Learn how a non-qualified credit card rate gets triggered under tiered pricing, how to calculate what downgrades cost you, and how to stop overpaying.
MannyPay Editorial Team
News · ILIllinois Swipe Fee Law Appeal: What Merchants Should Do Now
The Illinois Interchange Fee Prohibition Act appeal keeps tax-and-tip swipe fee relief on hold. Learn who is exempt and how to plan your pricing now.
MannyPay Editorial Team
Business GrowthCredit Card Reconciliation: Match Deposits to Sales Every Month
Learn credit card reconciliation for small business: match deposits to sales, explain every fee, refund and chargeback, and catch missing funds.
MannyPay Editorial Team
Processing BasicsCredit Card Decline Codes: What Each One Means and What to Do
Learn what common credit card decline codes mean, which declines you can retry, and what to tell customers in store, online and on recurring billing.
MannyPay Editorial Team
ComparisonsCountertop vs. Wireless vs. Mobile Card Readers: Which Fits Your Business
Countertop vs. wireless credit card terminal, or a mobile reader? Compare connectivity, battery life and total cost to match hardware to where you get paid.
MannyPay Editorial Team
Business GrowthCan You Deduct Credit Card Fees From Employee Tips?
Can employers deduct credit card fees from tips? See the proportional math, how to check state limits and tip timing questions to ask before you deduct.
MannyPay Editorial Team
Business GrowthBusiness Line of Credit vs. Term Loan: Which Fits Your Need?
Business line of credit vs term loan: match each to real needs like inventory swings, equipment buys and payroll gaps, and learn the costs and fine print.
MannyPay Editorial Team
Business GrowthLow Risk Merchant Accounts: What Processors Look for and Why It Matters
Learn what earns a business a low risk merchant account, which industries usually qualify, the better terms it brings, and how to keep that status.
MannyPay Editorial Team
Processing BasicsWhat Are Merchant Services? A Plain-English Guide for Business Owners
Learn what merchant services include, from the account and processor to gateways, hardware and funding, plus which fees you pay and what you can negotiate.
MannyPay Editorial Team
GlossaryWhat Are Interchange Fees? How Card Swipe Costs Are Set
What are interchange fees? Learn who sets them, why card type and entry method change your cost, and practical ways to qualify for lower rates.
MannyPay Editorial Team
NewsVisa and Mesh Crypto Spending: What Changes at Your Checkout
Visa Mesh crypto payments let shoppers pay from crypto wallets at Visa merchants. Learn what changes at your checkout and what's still unknown.
MannyPay Editorial Team
IndustriesToast vs. Square for Restaurants: Fees, Hardware, and Contracts
Comparing Toast vs. Square for restaurants? See how fees, hardware, contracts and processing lock-in differ, and when an independent processor fits better.
MannyPay Editorial Team
NewsSwipe Fee Settlement Heads to Final Approval: What's at Stake
The Visa Mastercard settlement final approval hearing is Nov. 16. Learn what objectors argue, what's at stake for your card fees and what records to pull now.
MannyPay Editorial Team
ProductsSmart Payment Terminals vs. Traditional Card Machines
Is a smart payment terminal worth it, or will a basic EMV countertop machine do? Compare features, costs and fit so you don't overbuy hardware.
MannyPay Editorial Team
IndustriesRestaurant Service Charge vs. Tip: Tax, Labor, and Payment Rules
Restaurant service charge vs tip: learn why mandatory charges count as wages, how they affect sales tax and payroll, and how to set up your POS and menus.
MannyPay Editorial Team
IndustriesRestaurant Credit Card Processing Fees: What's a Fair Rate?
Learn how to judge restaurant credit card processing fees, why tips, small tickets and online orders change your real cost, and how to negotiate.
MannyPay Editorial Team
NewsMore Rewards Breach: Is Your Loyalty Program the Weak Spot?
A loyalty program data breach can expose customers even when card data is safe. Learn what PCI DSS misses and how to lock down your rewards data.
MannyPay Editorial Team
Business GrowthMerchant Services for Small Business: What You Need and What to Skip
Merchant services for small business, matched to your monthly volume: what you actually need, what to skip and how to compare offers without overpaying.
MannyPay Editorial Team
Business GrowthMerchant Cash Advance: How It Works and What It Really Costs
Learn how a merchant cash advance works, convert a factor rate and daily holdback into an effective APR, and spot contract risks before you sign.
MannyPay Editorial Team
Rates & FeesEarly Termination Fee on Your Merchant Account? How to Avoid Paying It
Facing an early termination fee on your merchant account? Learn how liquidated damages and auto-renewal work and how to get the fee waived or covered.
MannyPay Editorial Team
IndustriesMCC 5812 vs. 5814: How Your Restaurant's Category Code Sets Fees
MCC 5812 vs 5814 explained: how full-service, quick-service and bar codes affect interchange fees, and how to check your restaurant's code is right.
MannyPay Editorial Team
ComparisonsInterchange-Plus vs. Flat-Rate Pricing: Which One Costs You Less?
Compare interchange plus vs. flat rate pricing with side-by-side cost math at $10K, $50K and $150K a month, and learn to find your effective rate.
MannyPay Editorial Team
Business GrowthInterchange-Plus Pricing: Why Low-Risk Merchants Should Ask
Learn how interchange plus pricing works, why low-risk merchants have leverage to get it, and the break-even math showing when it beats flat-rate fees.
MannyPay Editorial Team
News · ILIllinois Interchange Fee Prohibition Act: Delays, Lawsuit and Next Steps
Where the Illinois Interchange Fee Prohibition Act stands after the 2027 delay vote and court rulings, and how to prepare your POS for tax and tip data.
MannyPay Editorial Team
Filipino BusinessesHow to Take Deposits for Lechon and Catering Orders
Learn how to take deposits for catering orders, from lechon to debut parties, with payment links, clear policies and records that hold up in disputes.
MannyPay Editorial Team
Business GrowthHow to Start a Customer Loyalty Program That Pays for Itself
Learn how to start a loyalty program using your average ticket and margin, so rewards bring customers back more often without giving away your profit.
MannyPay Editorial Team
Business GrowthHow to Choose a Merchant Service Provider: 12 Questions to Ask
Choosing a merchant service provider? Ask these 12 questions before you sign to spot junk fees, lease traps, funding holds and weak support.
MannyPay Editorial Team
Business GrowthHow Long Do Credit Card Deposits Take? Batches, Weekends, Holidays
How long do credit card deposits take? Learn how batch cutoffs, ACH timing, weekends and bank holidays affect when card sales reach your bank account.
MannyPay Editorial Team
Fraud & SecurityHow Do Chargebacks Work? The Full Dispute Lifecycle, Step by Step
How do chargebacks work? Follow each stage from dispute to arbitration, see when money leaves your account, and learn where you can step in.
MannyPay Editorial Team
ComparisonsDebit vs. Credit Card Processing Fees: What Merchants Pay
Debit vs credit card processing fees explained: regulated vs. exempt debit, PIN vs. signature routing, and how to see debit savings on your statement.
MannyPay Editorial Team
IndustriesCredit Card Tip Adjustment: How It Works and Where It Goes Wrong
Learn how credit card tip adjustment works in restaurants, why large tips get flagged, when to batch, and how to stop server errors that cost tips.
MannyPay Editorial Team
Filipino BusinessesCredit Card Processing for Filipino Restaurants: What to Look For
Compare credit card processing for Filipino restaurants: POS features for turo-turo lines, tray deposits, small-ticket pricing and contract red flags.
MannyPay Editorial Team
Processing BasicsCredit Card Authorization Holds: How Long They Last, How to Release Them
Learn how a credit card authorization hold works, how long it lasts, and how incremental auths and reversals prevent customer double-charge complaints.
MannyPay Editorial Team
Processing BasicsContactless Payments for Small Business: NFC Setup and Costs
Contactless payments for small business explained: how NFC tap works, which terminals to buy, what it costs and how to manage fraud and CVM limits.
MannyPay Editorial Team
IndustriesCommission-Free Online Ordering: Cut Your Delivery App Fees
See how commission-free online ordering for restaurants compares to delivery app fees, what direct orders cost to process, and how to shift regulars.
MannyPay Editorial Team
Filipino BusinessesHow to Choose a POS System for Your Filipino Bakery
Choosing a POS system for a Filipino bakery? Learn what speeds the pandesal rush, tracks daily bakes, handles holiday preorders and keeps costs in check.
MannyPay Editorial Team
IndustriesCan Restaurants Deduct Credit Card Fees From Servers' Tips?
Learn whether restaurants can deduct credit card fees from tips under federal and state law, how to calculate a pro-rata deduction, and how to document it.
MannyPay Editorial Team
Local Guides · CACalifornia SB 478 and Restaurant Service Charges Explained
Learn what California SB 478 restaurant service charge rules require on menus, QR codes, online ordering and receipts, and how the SB 1524 exception works.
MannyPay Editorial Team
IndustriesBest Restaurant POS Systems: A Buyer's Checklist for Owners
Use this checklist to find the best restaurant POS system for your workflow: modifiers, coursing, KDS, tabs, tips, online orders and hidden contract costs.
MannyPay Editorial Team
IndustriesBar Tab Preauthorization: How to Set Holds and Close Tabs Safely
Learn how bar tab preauthorization works, how to size the card hold, handle tabs that run over, and close walkout tabs with records that hold up.
MannyPay Editorial Team
IndustriesRestaurant Payment Processing: A Practical Guide for Owners
A practical guide to restaurant payment processing: speed up checkout, handle tips correctly, pick the right POS systems and control card fees.
MannyPay Editorial Team
Local Guides · NYNew York Credit Card Surcharge Law: How to Post Prices and Stay Compliant
Learn what the New York credit card surcharge law requires, how to post the total card price, and how dual pricing and cash discounts fit.
MannyPay Editorial Team
Local Guides · Honolulu, HIHonolulu General Excise Tax Pass-On Rate: A Checkout Guide for Merchants
Learn the Honolulu general excise tax pass-on rate, why 4.712% is the ceiling, and how to set up GET correctly on your POS systems and receipts.
MannyPay Editorial Team
Rates & FeesCash Discount vs. Surcharge vs. Dual Pricing: Key Differences Explained
Cash discount vs surcharge vs dual pricing: learn how each program works at checkout, which disclosure rules apply and how to pick the right fit.
MannyPay Editorial Team
Filipino BusinessesFilipino American Business Payment Processing: A Starter Guide
Filipino American business payment processing made simple: what you need to open a merchant account, pick equipment, compare pricing and avoid delays.
MannyPay Editorial Team