Save DKK 10,000 a Year on Acquiring and Terminal Fees

If you run a restaurant, you know how important it is to keep track of your costs.

You’re probably focused on wages, ingredient prices, and marketing – but when was the last time you looked at what you’re paying for your payment solutions?

Many restaurant owners accept their acquiring agreements and terminal fees as a necessary expense, without considering that there may actually be significant savings to be made.

We want to challenge your assumptions and show you how you can easily save up to DKK 10,000 a year – without compromising on quality or reliability.

The hidden fee you pay every single day

Every time a customer pays by card in your restaurant, you pay a transaction fee to your acquirer along with several other costs linked to your terminals. You might not think much about it — it’s not an expense that necessarily stands out clearly in your accounts — but over time, the amount quickly adds up.

A good rule of thumb is that for every DKK 1 million you process in card payments, your total acquiring and terminal costs can range between 0.8% and 1.2%, depending on your agreement.

If your restaurant processes, for example, DKK 4 million annually in card payments, you could end up paying as much as DKK 48,000 a year just to receive payments – and a large portion of that amount can actually be reduced simply by taking a critical look at your payment infrastructure.

That’s why you’re paying more than you need to

The main reason many restaurant owners pay more than they need to is a lack of transparency and knowledge. It’s completely understandable — you’re busy managing operations, staff, and guest experiences — but payment solutions are rarely something people stop to question.

When you choose an acquirer and terminal provider, you’re typically presented with a standard setup that “everyone uses.” The problem is that these solutions are often not optimized for your business. There may be hidden costs, inconvenient fees, or a lack of flexibility. At the same time, many restaurants have separate agreements with different providers, where the POS system, terminal, and acquirer don’t communicate effectively — and that ends up costing both time and money.

It doesn’t make sense to pay for inefficiency – especially when smarter alternatives exist.

There’s a better way

At Flexybox, we believe your payment solutions should support your operations – not drain money from them. We work with leading industry partners such as NETS, Swedbank, and Verifone to offer bundled solutions where your POS terminal, restaurant system, and acquiring agreement are fully integrated.

This gives you several advantages:

1. Lower fees: We have negotiated competitive prices on behalf of our customers, which means that as a restaurant, you can achieve lower acquiring fees and terminal rental costs than with individual agreements.
   
   
2. One unified solution: Instead of juggling multiple providers, you get a single integrated platform where everything is connected. This improves both operations and oversight.
   
   
3. Better data and control: When your POS system is integrated with your payment solutions, you gain access to real-time sales data and transactions. This makes it easy to analyze your costs – and quickly identify where you can optimize.
   
   
4. Easier reconciliation: With full system integration, errors and time spent on reconciliation are minimized. This gives you or your accountant extra time – and fewer headaches.

A calculation example with concrete savings

Imagine a medium-sized restaurant with 150–200 guests per day and an annual revenue of DKK 5 million, with around 90% of payments made by card. With an average transaction cost of 1.1%, this amounts to approximately DKK 49,500 in annual fees.

By switching to a Flexybox-integrated solution with lower fees – for example, 0.85% – the total transaction costs would drop to around DKK 38,250, resulting in savings of more than DKK 11,000 per year. That’s money that can be far better invested in your staff, guest experience, or marketing.

Discover the potential in your payment infrastructure

In the restaurant industry, margins are already tight, competition is fierce, and your time is limited. That’s why it’s crucial that every part of your business operates efficiently together. Most people focus on menus, operations, and labor costs when thinking about optimization – but many overlook the potential of optimizing their payment processes.

By choosing a holistic solution for your restaurant system and payment setup, you not only get lower fees but also smoother workflows and better overall visibility into your business.

In addition, your staff will be happier. When the POS system and payment solutions are integrated, they avoid double entries, unwanted errors, and technical issues with terminals that don’t communicate properly with the cash register system.

How to get started

Optimizing your payment solutions doesn’t have to be complicated. At Flexybox, we offer a free review of your current payment structure and can quickly provide you with an overview of your actual costs – and what you could potentially save.

We work with leading acquirers and terminal providers, allowing us to offer a tailored solution that fits your restaurant’s specific needs. We believe in transparency, simplicity, and solutions that create real value for your business.

Let us help you find a smarter and more cost-effective way to accept payments – so you can focus on what you do best: creating great guest experiences.

Think ahead – not just about operations, but about the value of smarter solutions

It’s easy to let old habits and existing agreements guide your choices – especially in a fast-paced industry with many daily tasks. But this is exactly where you, as a restaurant owner, have the opportunity to make real progress. By challenging your existing assumptions about card fees and payment terminals, you can free up resources and strengthen your bottom line.

Payments don’t have to be an expensive necessity. With a well-designed solution and the right restaurant system connected to your POS setup, you can save money, save time, and gain better insight into your business.

Do you want to know how much you could save?

Contact our sales department today and get a free review – we’ll show you the way to a more profitable restaurant.