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πŸ’³ Payment Processing

Your Processor.
Your Choice.

Unlike other POS systems, STOVE doesn't lock you into a single processor. Keep your existing relationship, or let us help you find better rates.

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No Lock-In

Use any processorβ€”we integrate with dozens of partners

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Rate Analysis

We review your current costs and find savings

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Fraud Detection

Advanced protection against suspicious transactions

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Chargeback Support

Help fighting disputes and protecting revenue

Processing Freedom

Most POS companies force you to use their payment processing at inflated rates. STOVE believes you should have the freedom to choose.

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    Use Your Own Processor Already have a relationship you like? Keep it. We integrate seamlessly with your existing processor.
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    Get Processor Recommendations Need a processor? We'll connect you with vetted partners offering competitive, transparent rates.
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    Free Rate Review Send us your statementβ€”we'll analyze your current processing costs and identify savings opportunities.
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    Switch Anytime Not happy with your processor? Switch without changing your POS system.
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TSYS

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First Data

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Worldpay

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Heartland

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Elavon

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Many More

Payment Services & Support

More than just processingβ€”tools and support to protect your revenue.

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Chargeback Support

Disputes happen. Our team helps you respond with the right documentation to protect your revenue and win more disputes.

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Advanced Fraud Detection

AI-powered fraud screening identifies suspicious transactions before they cost you. Reduce losses without blocking good customers.

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Rate Optimization

We analyze your processing statements to find hidden fees and negotiate better rates. Most restaurants save 15-25%.

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PCI Compliance

Stay compliant with industry security standards. We handle the technical complexity so you can focus on your restaurant.

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Reconciliation Tools

Track every transaction from swipe to deposit. Our reporting tools make it easy to reconcile payments and catch discrepancies.

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Offline Processing

Internet goes down? Keep taking payments. Transactions are stored securely and processed automatically when you're back online.

Why STOVE Is Different

See how our approach to payments compares to other POS systems.

Feature
STOVE
Others
Use your own processor
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Free rate analysis
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Chargeback support included
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Advanced fraud detection
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No processing markup on POS
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Switch processors anytime
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Accept Every Payment Type

Give guests the flexibility to pay however they prefer.

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Credit & Debit

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Apple Pay

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Google Pay

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Gift Cards

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Cash

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House Accounts

Integrated Payments

Seamlessly process payments right from the POS. No double entry, no reconciliation headaches. Every transaction is automatically recorded and matched.

  • Chip, swipe, and tap payments
  • Contactless and mobile wallets
  • Split checks and split tenders
  • Automatic tip adjustment
  • Pre-authorization for bar tabs
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Secure & Compliant

Protect your business and your guests with enterprise-grade security. All transactions are encrypted end-to-end and we maintain full PCI compliance.

  • PCI DSS Level 1 compliant
  • End-to-end encryption
  • Point-to-point encryption (P2PE)
  • Tokenization for stored cards
  • EMV chip technology
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Reporting & Reconciliation

Know exactly where your money is at all times. Track batches, view deposits, and reconcile transactions with detailed payment reports.

  • Real-time transaction monitoring
  • Batch settlement tracking
  • Deposit reconciliation
  • Chargeback management
  • Fee analysis and breakdowns
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Offline Mode

Never miss a sale, even when the internet goes down. STOVE stores transactions securely and processes them automatically when connectivity returns.

  • Continue taking payments offline
  • Automatic queue and retry
  • Secure local encryption
  • Configurable offline limits
  • Real-time status indicators
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Ready for Better Payment Processing?

Let us review your current rates and show you how much you could saveβ€”no obligation.