Custom quote · Month-to-month

Restaurants

Fast, reliable payments for every table and takeout order.

UWUnderwritingWithin 24 hours
FNDFundingNext-day available
TRMTermsMonth-to-month · $0 ETF
SUPSupportUS-based · 24/7/365
Free quoteNo obligation

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Overview

From quick-service counters to full-service dining rooms, Merchly supports tableside payments, online ordering, and tip-friendly checkout built for the pace of restaurant service.

Why it matters for you

Built for how restaurants actually run service

From quick-service counters to full-service dining rooms, we tailor rates, terminals, and online ordering to match your pace of business.

Who we support6 business types

Types of businesses we support.

The business models we tailor pricing, equipment and underwriting for.

01

Why restaurants choose Merchly

Restaurants process payments differently than most retail businesses — split checks, tip adjustments, online ordering, and high table turnover all put pressure on a payment system that was not built for food service.

Merchly builds processing around how your kitchen and front of house actually operate, with transparent interchange-plus pricing and no surprise fees on your statement.

02

Hardware built for the floor

Countertop terminals, handheld tableside devices, and kitchen display integrations connect directly to your POS, so tickets move from table to kitchen to payment without double entry.

03

Online and delivery orders

Accept online orders directly through your own site instead of paying third-party delivery commissions on every ticket, with the same next-day funding as your in-store sales.

In their words

What businesses like yours are saying.

“Switching to Merchly saved us a few hundred dollars a month and the terminal handles our tip adjustments perfectly.”
MG
Maria Gomez
Owner, Casa Luna
“Setup took one afternoon and their support team actually picks up the phone.”
TR
Tom Reilly
General Manager, Reilly's Pub
“We run three food trucks and needed mobile-friendly hardware. Merchly delivered exactly that.”
PN
Priya Nandan
Owner, Spice Route Truck
Questions4 answers

Frequently asked questions.

How fast can my restaurant get approved?
Most standard restaurant applications are approved within 24 hours. We just need basic business details and a voided check to get started.
Does your system handle tip adjustments?
Yes. Our terminals support pre-authorization holds and tip adjustment, so servers can add tips after the card is run.
Is there a long-term contract?
No. We offer month-to-month terms with no early termination fee, so you are never locked in.
How fast do I get funded?
Standard funding lands in your account in 1-2 business days. Next-day funding is available for qualifying restaurants.
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Ready to see your restaurant's rate?

Tell us a bit about your business and a Merchly specialist will follow up with a custom quote — in writing, before you sign anything.