Guide
Restaurants hand cards to people out of sight. A few habits close the largest gaps. This is general information, not legal or tax advice.
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Merchant Fund Express explains payments in plain English so owners can make better decisions about equipment and processing.
Restaurants hand cards to people out of sight. A few habits close the largest gaps. This is general information, not legal or tax advice.
Servers take cards away from the table, tabs sit open for hours and many staff share devices. The risks are card skimming by a rogue employee, shared logins and weak physical security at the terminal.
The fixes are habits: pay-at-table, individual logins and a quick daily look at the equipment.
Cards stay in the guest's sight.
Every person on their own login.
Look at devices for tampering.
Keep devices where staff can see them.
A restaurant moves from carrying cards to the register to paying at the table on a Flex. Complaints about card handling disappear and servers save steps.
None of this needs to be memorized. The practical habit is to know which questions to ask and to keep a recent statement where you can find it, so a call to your processor is short and specific.
Owners tend to run into this when something changes: a new device, a new way of selling, a bigger month. Those are the moments to reread the agreement and ask what, if anything, moves.
The goal of a page like this is not to make you an expert. It is to make the next conversation with a processor or a salesperson shorter, because you know which question to ask and what a straight answer sounds like.
Talk to a person at (305) 384-8391. Describe your counter, your busiest hour and how customers pay, and we will recommend the lightest setup that does the job, with installation and training on site.
Because servers handle cards away from the guest, a few rules cost nothing and prevent most problems: cards are never taken out of sight, any device used by servers has its own login, and tip adjustments need a manager when they are made after the guest leaves. A short written rule on each, read at every new-hire orientation, is more effective than any technology.
As explained by Merchant Fund Express. Updated 2026.
Yes. It keeps cards visible and reduces handling.
Tabs should have an owner and a time limit.
Depends on circumstances; ask your processor.
A short written checklist works well.
There is no published price list because the right number depends on your volume, card mix and devices. Call for a personal quote and a free rate review.
Call (305) 384-8391 and describe how you sell. We will recommend the lightest setup that does the job and tell you honestly if something you were considering is not needed.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
