Deposits
Your card transactions run through CardPointe, the payment processor on the platform. Card deposits go straight to your own merchant bank account. We don't sit in the middle, we don't hold your funds, and we don't take a cut.
Tips and commissions
Tips and commissions are calculated automatically inside the console apps as transactions happen. Staff see their own tip totals and commission earnings in real time, and owners see the same data rolled up across the shop. Nothing gets reconciled by hand at the end of the week, and nobody has to take anyone else's word for the numbers — they're visible to everyone who has reason to see them.
Card surcharges (optional)
Some merchants choose to pass card processing fees to customers paying by card. Where that's allowed — surcharge eligibility varies by state and business type — you can turn it on. If you do, the surcharge you collect is yours. We don't take a percentage of it.
If you'd rather not surcharge, skip it. Most of our merchants don't, and your pricing is exactly the same either way.
How we make money
We're honest about this because merchants deserve to know. We work directly with CardPointe. We've built an end-to-end platform that small businesses use to run their orders, appointments, memberships, and day-to-day operations. We're not a payment processor — your card transactions run through CardPointe at the standard rate you'd pay any CardPointe merchant.
Service shops (barbers, salons, tattoo studios) pay a flat monthly subscription to use the platform.
Food shops (pizza, pho, sandwich, breakfast) use the platform for free. In exchange, we earn a small share of the standard processing fee that Fiserv collects on your card transactions — the same fee you'd pay for processing with or without us. You don't pay more because you're on our platform; we just get a partner share from Fiserv instead of charging you a subscription.
That's the whole picture. No percentage of sales taken at the retail level. No hidden fees on top of your processor's rate. No funds held in a platform wallet.