See the true cost of running your shop. Most coffee shops don't realize they're paying 15-18% in effective fees.
The complete coffee shop operating system
Transparent fees based on transaction type
| Transaction Type | Payment Processing Card processing fees | Universal Rewards Loyalty program cost |
|---|---|---|
| In-Store |
2.75%
flat rate
|
~1%
Effective cost*
|
| Order Ahead |
2.9%
+ $0.30 per transaction
|
~1%
Effective cost*
|
*We hold 6% for each loyalty transaction and pay back for discounts and promos from that budget. Your effective cost is approximately 1%.
Most shops don't realize their loyalty program is eating 10-15% of revenue
Square automatically counts every unique payment card as a "loyalty visit" - even one-time customers who never return. As your business grows, you're pushed into higher pricing tiers whether you want it or not.
Go to Square Dashboard → Reports → Discounts. Most coffee shops are shocked to see 10-15% of their revenue going to discounts and giveaways. Combined with processing fees and Square Loyalty subscription, you're looking at a 15-18% effective rate. With joe, your Universal Rewards has an effective cost of approximately 1% - we hold 6% for loyalty transactions and use it to fund all discounts, giveaways, and loyalty rewards.
Enter your numbers to see your true cost with Square vs joe
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