Get a Restaurant Merchant Account with TailoredPay
Accept restaurant payments with TailoredPay. Fast credit card processing, stable approvals, online and in-person support, reliable transactions, and smooth service.
Why restaurants are considered high risk
Restaurants are often classified as high risk because of high transaction volume, tight margins, and frequent payment-related disputes tied to service-based experiences.
High number of daily transactions
Restaurants process a large number of small credit card payments every day. Higher transaction activity increases exposure to disputes, refunds, and processing errors. This is why traditional processors may not approve your restaurant for a merchant account.
Chargebacks tied to service experiences
Customer satisfaction can vary. Disputes may happen over incorrect orders, billing mistakes, or poor service, which raises chargeback risk and limits the number of payment solutions you can choose from.
Card not present orders and delivery apps
Many restaurants accept online orders and phone payments on top of POS systems for in-person purchases. These card-not-present transactions carry a higher fraud risk than in-person payments with a POS system.
Seasonal and unpredictable revenue
Restaurants often see fluctuations in sales based on time of year, location, and economic conditions. Sudden changes in volume can trigger reviews from payment providers.
High staff turnover and manual entry errors
Busy environments and frequent staff changes can lead to billing mistakes, incorrect charges, or refund confusion, increasing dispute exposure.
Because of these factors, some payment providers view restaurants as higher risk, especially those with high volume online ordering, delivery services, or rapid growth.
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How it works
Complete our free online application
E-sign the merchant processing agreement
Get approved and start processing
Questions? We can help
Call us at (888) 599-6482 or read our FAQ.
Solutions as unique
as your business
Set up your high risk merchant
account in 3 easy steps
Apply online within minutes
Complete our online application in less than 10 minutes. Secure and straightforward.
Get an instant quote
Once your application is submitted, an expert underwriter will review the details and provide an update within 24 hours.
Start processing
Our onboarding team will assist with the payment gateway setup so you can start accepting payments right away.
Apply for a high risk merchant account in under 10 minutes
and get approved within 24 hours.
How TailoredPay helps your restaurant business with credit card processing
TailoredPay supports restaurant owners with payment setups built for busy service environments, high transaction volume, and a mix of in-person and online orders. Instead of using rigid retail systems, TailoredPay provides credit card processing that fits how restaurants actually operate.
Merchant services built for high-volume daily transactions
Restaurants process many small payments throughout the day. TailoredPay provides stable credit card processing that keeps transactions moving without delays.
Support for dine-in, takeout, and online orders
Whether customers pay at the table, over the phone, or through online ordering, TailoredPay helps restaurants accept payments across multiple channels.
A merchant services provider with reduced risk of payment disruptions
Busy periods and sudden spikes in activity can trigger reviews with some providers. TailoredPay sets clear expectations upfront to help prevent interruptions.
Flexible payment acceptance
Restaurants can accept credit card payments, debit cards, and contactless methods, making checkout faster and more convenient for customers.
Chargeback guidance for service-related disputes
Billing errors, refunds, and customer complaints can lead to disputes. TailoredPay helps restaurants structure payment flows and records to reduce chargeback risk.
TailoredPay gives restaurant businesses dependable credit card processing that supports daily operations, keeps lines moving, and helps maintain steady cash flow.
Frequently asked questions
Can I use my existing POS system with a new payment processor?
Yes. Most providers can connect to an existing POS system and support seamless payment processing without replacing your current setup.
How do restaurants accept credit and debit cards efficiently?
Restaurants can accept credit and debit cards through integrated payment processing that works at the counter, tableside, and for online payments.
Do full-service restaurants need a specialized restaurant merchant services company?
Full-service restaurants often benefit from a restaurant merchant services company that understands busy service environments and high daily transaction volume.
How do payment gateways support restaurant online orders?
Payment gateways connect your website or ordering app to your payment processor, allowing customers to complete online payments securely.
Is payment security important for restaurant transactions?
Yes. Strong payment security helps protect card data, prevent fraud, and keep transactions safe for both restaurants and customers.
Are there monthly fee charges for restaurant payment processing?
Some providers charge a monthly fee depending on features, support level, and transaction volume. Pricing can vary based on your needs.
How do I choose the right payment processor for my restaurant?
Look for a payment processor that offers seamless payment processing, supports your existing POS system, and provides tools for managing in-store and online payments.
Solutions as unique as
your business.
