Instant Fund Access & Payment Transparency
Get your money faster with complete visibility into every fee.
Overview
Traditional payment processing means waiting 2-5 days for your funds while paying hidden fees. Restaurant Revolution changes that:
| Feature | Traditional | Restaurant Revolution |
|---|---|---|
| Fund Access | 2-5 business days | Same-day or instant |
| Fee Visibility | Hidden markups | 100% transparent |
| Settlement Reports | Basic summaries | Transaction-level detail |
| Fee Optimization | None | AI-powered suggestions |
Fund Access Options
Standard Payout (Free)
Next-day deposits at no additional cost:
- Cutoff: 9:00 PM local time
- Arrival: Next business day
- Fee: Included in processing
Same-Day Payout
Get funds by end of business day:
- Cutoff: 2:00 PM local time
- Arrival: Same day by 6:00 PM
- Fee: 0.25% of payout amount
Instant Payout
Funds in minutes to your debit card:
- Available: 24/7
- Arrival: Within 30 minutes
- Fee: 1.0% of payout amount (min $1, max $25)
Setting Up Payouts
Payout Account Setup
- Go to Settings → Payments → Payout Settings
- Click Add Bank Account
- Enter account details:
- Bank name
- Routing number
- Account number
- Account type (Checking/Savings)
- Verify micro-deposits (2-3 business days)
- Set as primary payout account
Instant Payout Card
For instant payouts, add a debit card:
- Go to Settings → Payments → Instant Payout
- Click Add Debit Card
- Enter card details
- Card must be Visa or Mastercard debit
- Verify card ownership
Automatic Payout Schedule
Configure automatic payouts:
| Option | Description |
|---|---|
| Daily | Payout every business day |
| Weekly | Payout on selected day |
| Threshold | Payout when balance exceeds amount |
| Manual | Request payouts as needed |
Balance Dashboard
Real-Time Balance
View your current balance at any time:
┌─────────────────────────────────────────────────────────────────┐
│ FUND BALANCE As of 3:45 PM │
├─────────────────────────────────────────────────────────────────┤
│ │
│ ┌─────────────────┐ ┌─────────────────┐ ┌─────────────────────┐│
│ │ AVAILABLE │ │ PENDING │ │ RESERVE ││
│ │ $12,847.52 │ │ $4,238.90 │ │ $2,500.00 ││
│ │ Ready to pay │ │ Processing │ │ Chargeback hold ││
│ └─────────────────┘ └─────────────────┘ └─────────────────────┘│
│ │
│ Today's Sales: $6,428.50 │
│ Processing Fees: -$160.71 │
│ Net to Balance: $6,267.79 │
│ │
└─────────────────────────────────────────────────────────────────┘
Balance Components
| Component | Description |
|---|---|
| Available | Funds ready for payout |
| Pending | Processing, available in 1-2 days |
| Reserve | Held for potential chargebacks |
| In Transit | Payout in progress to bank |
Fee Transparency
Understanding Your Fees
Every transaction shows complete fee breakdown:
┌─────────────────────────────────────────────────────────────────┐
│ TRANSACTION FEE BREAKDOWN │
│ Order #12847 - $85.50 │
├─────────────────────────────────────────────────────────────────┤
│ │
│ Interchange Fee (Visa Credit) $1.54 (1.80%) │
│ Assessment Fee (Visa) $0.11 (0.13%) │
│ ───────────────────────────────────────────────────────────── │
│ Card Network Costs $1.65 (1.93%) │
│ │
│ Processor Fee $0.30 (flat) │
│ Platform Fee $0.43 (0.50%) │
│ ───────────────────────────────────────────────────────────── │
│ Total Processing Fee $2.38 (2.78%) │
│ │
│ Net Amount to You $83.12 │
│ │
└─────────────────────────────────────────────────────────────────┘
Fee Categories Explained
| Fee Type | What It Is | Who Receives It |
|---|---|---|
| Interchange | Card issuer fee | Customer's bank |
| Assessment | Card network fee | Visa/Mastercard |
| Processor | Transaction handling | Payment processor |
| Platform | Restaurant Revolution fee | RR |
Monthly Fee Summary
View aggregated fees by category:
| Category | Amount | % of Volume | vs Last Month |
|---|---|---|---|
| Interchange | $8,420 | 1.68% | ▲ +0.02% |
| Assessment | $650 | 0.13% | - |
| Processor | $2,100 | 0.42% | - |
| Platform | $2,500 | 0.50% | - |
| Total Fees | $13,670 | 2.73% | ▲ +0.01% |
Fee Comparison
Compare your fees to industry averages:
| Metric | Your Rate | Industry Avg | Savings |
|---|---|---|---|
| Average Fee | 2.73% | 3.25% | 0.52% |
| Monthly Fees | $13,670 | $16,275 | $2,605 |
| Annual Savings | - | - | $31,260 |
Settlement Reporting
Daily Settlement Report
Every morning, receive your settlement summary:
┌─────────────────────────────────────────────────────────────────┐
│ DAILY SETTLEMENT REPORT January 19 │
├─────────────────────────────────────────────────────────────────┤
│ │
│ GROSS SALES $8,247.80 │
│ │
│ FEES │
│ Interchange -$148.46 │
│ Assessment -$10.72 │
│ Processor -$41.00 │
│ Platform -$41.24 │
│ Total Fees -$241.42 │
│ │
│ ADJUSTMENTS │
│ Refunds -$45.00 │
│ Chargebacks $0.00 │
│ Tips +$1,284.50 │
│ Total Adjustments +$1,239.50 │
│ │
│ NET SETTLEMENT $9,245.88 │
│ │
│ Transactions: 142 │
│ Average Ticket: $58.08 │
│ Effective Rate: 2.61% │
│ │
└─────────────────────────────────────────────────────────────────┘
Transaction-Level Detail
Export every transaction with full details:
| Time | Order # | Card | Gross | Fees | Net | Fee % |
|---|---|---|---|---|---|---|
| 11:24 | 12841 | Visa Credit | $72.50 | $2.01 | $70.49 | 2.77% |
| 11:31 | 12842 | MC Debit | $45.80 | $0.99 | $44.81 | 2.16% |
| 11:45 | 12843 | Amex | $128.90 | $4.51 | $124.39 | 3.50% |
| 11:52 | 12844 | Discover | $38.25 | $0.92 | $37.33 | 2.40% |
Settlement Calendar
Visual view of settlements:
January 2026
┌─────┬─────┬─────┬─────┬─────┬─────┬─────┐
│ Sun │ Mon │ Tue │ Wed │ Thu │ Fri │ Sat │
├─────┼─────┼─────┼─────┼─────┼─────┼─────┤
│ │ │ │ 1 │ 2 │ 3 │ 4 │
│ │ │ │ $8K │ $9K │$12K │$15K │
├─────┼─────┼─────┼─────┼─────┼─────┼─────┤
│ 5 │ 6 │ 7 │ 8 │ 9 │ 10 │ 11 │
│$14K │ $7K │ $8K │ $9K │ $8K │$11K │$14K │
├─────┼─────┼─────┼─────┼─────┼─────┼─────┤
│ 12 │ 13 │ 14 │ 15 │ 16 │ 17 │ 18 │
│$13K │ $8K │ $8K │ $9K │ $9K │$12K │$15K │
├─────┼─────┼─────┼─────┼─────┼─────┼─────┤
│ 19 │ 20 │ ... │ │ │ │ │
│ ● │ ○ │ │ │ │ │ │
└─────┴─────┴─────┴─────┴─────┴─────┴─────┘
● = Settled ○ = Pending
Fee Optimization
AI-Powered Suggestions
Our system analyzes your transactions to find savings:
┌─────────────────────────────────────────────────────────────────┐
│ FEE OPTIMIZATION SUGGESTIONS │
├─────────────────────────────────────────────────────────────────┤
│ │
│ 💡 DEBIT CARD ROUTING │
│ Potential Savings: $320/month │
│ Enable PIN debit routing for lower interchange rates on │
│ qualifying debit cards. │
│ [Enable Now] │
│ │
│ 💡 CARD BRAND ANALYSIS │
│ 12% of sales are Amex (3.5% avg fee) │
│ Consider: Amex OptBlue program for lower rates │
│ [Learn More] │
│ │
│ 💡 BATCH TIMING │
│ Your current batch time: 11:00 PM │
│ Recommended: 9:00 PM (faster settlement) │
│ [Update Batch Time] │
│ │
└─────────────────────────────────────────────────────────────────┘
Card Brand Analysis
See which cards cost you more:
| Card Brand | Volume | % of Sales | Avg Fee | vs Average |
|---|---|---|---|---|
| Visa Credit | $245,000 | 35% | 2.85% | +0.12% |
| Visa Debit | $140,000 | 20% | 1.65% | -1.08% |
| MC Credit | $175,000 | 25% | 2.78% | +0.05% |
| MC Debit | $70,000 | 10% | 1.58% | -1.15% |
| Amex | $56,000 | 8% | 3.45% | +0.72% |
| Discover | $14,000 | 2% | 2.45% | -0.28% |
Volume Discount Tracking
Track progress toward lower rates:
| Tier | Monthly Volume | Rate | Your Progress |
|---|---|---|---|
| Standard | $0 - $50K | 2.75% | ✓ Current |
| Growth | $50K - $250K | 2.65% | 82% complete |
| Scale | $250K - $1M | 2.55% | - |
| Enterprise | $1M+ | Custom | - |
Requesting Payouts
Manual Payout Request
- Go to Payments → Payouts
- Click Request Payout
- Enter amount (or select "Full Balance")
- Choose payout speed:
- Standard (next-day, free)
- Same-Day (0.25% fee)
- Instant (1.0% fee)
- Review and confirm
- Track payout status
Payout Status
| Status | Meaning |
|---|---|
| Initiated | Request received |
| Processing | Funds being transferred |
| In Transit | On the way to bank |
| Completed | Deposited in account |
| Failed | Issue occurred (see details) |
Payout History
View all past payouts:
| Date | Amount | Method | Fee | Net | Status |
|---|---|---|---|---|---|
| Jan 19 | $12,847.52 | Instant | $128.48 | $12,719.04 | ✓ Complete |
| Jan 18 | $9,245.88 | Standard | $0 | $9,245.88 | ✓ Complete |
| Jan 17 | $8,124.30 | Same-Day | $20.31 | $8,103.99 | ✓ Complete |
Bank Reconciliation
Export for Accounting
Download settlement data for your accountant:
| Format | Use Case |
|---|---|
| CSV | Import to Excel/Sheets |
| QBO | QuickBooks import |
| OFX | Bank reconciliation |
| Print/archive |
Auto-Sync to Accounting
Connect to your accounting software:
- Go to Settings → Integrations
- Select your accounting platform
- Authenticate and authorize
- Map accounts
- Set sync frequency
Supported platforms:
- QuickBooks Online
- Xero
- Sage
- FreshBooks
Troubleshooting
Payout Delayed
Common causes:
- Bank account not verified
- Insufficient available balance
- Bank processing delay (weekends/holidays)
- Compliance review (rare)
Resolution:
- Check payout status in dashboard
- Verify bank account details
- Contact support if >24 hours late
Settlement Discrepancy
If numbers don't match:
- Check for pending refunds
- Verify chargeback deductions
- Compare gross vs net amounts
- Review transaction-level detail
- Contact support with specifics
Failed Payout
Common reasons:
- Invalid bank account details
- Closed bank account
- Insufficient funds (for fees)
- Bank rejection
Fix:
- Verify bank account details
- Re-initiate payout
- Try different account if persistent
Best Practices
Fund Management
| Do | Don't |
|---|---|
| Set up automatic payouts | Let balance sit too long |
| Use instant for emergencies only | Use instant for regular payouts |
| Review daily settlements | Ignore discrepancies |
| Track fee trends monthly | Assume fees are fixed |
Fee Reduction
- Encourage debit cards - Lower fees than credit
- Review card brand mix - Optimize high-cost cards
- Batch on time - Don't miss cutoffs
- Enable optimization features - Use AI suggestions
- Monitor volume tiers - Plan for rate drops