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POS & Payments
- Simphony POS
- SkyTab POS
- RPower POS
- SoftTouch POS
- Quantic POS
- Clover POS
- Talech POS
- POS Customization & Integrations
- Vita Ordering
Simphony POS
Enterprise-grade system for high-volume businesses. Offers real-time analytics, cloud management, and advanced customization..
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SkyTab POS
A sleek, mobile-friendly POS for restaurants and bars. Features tableside ordering, contactless payments, and online ordering integration.
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RPower POS
Reliable, server-based POS for fine dining. Supports offline mode, detailed reporting, and customizable workflows.
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SoftTouch POS
Hybrid POS with flexible offline and cloud capabilities. Ideal for fast-paced restaurants needing quick service.
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Quantic POS
Cloud-based, tablet-friendly POS with built-in loyalty programs. Perfect for small restaurants and mobile vendors.
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Clover POS
User-friendly, all-in-one POS for small businesses. Features built-in payment processing and a marketplace for app integrations.
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Talech POS
Affordable, cloud-powered POS for retail and restaurants. Offers inventory tracking, online ordering, and CRM tools.
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Industries
Restaurants & Hospitality
POS systems designed for full-service and quick-service restaurants. Features include online ordering, tableside payments, and inventory tracking.
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Restaurants & Hospitality
POS systems designed for full-service and quick-service restaurants. Features include online ordering, tableside payments, and inventory tracking.
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Franchises & Multi-Location Businesses
Centralized management tools for businesses with multiple locations, allowing unified reporting, menu syncing, and remote monitoring.
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Food Trucks & Mobile Vendors
Cloud-based portable POS systems optimized for food trucks and pop-up businesses with mobile payments and offline mode.
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Salons & Service-Based Businesses
Appointment booking, contactless payments, and customer profiles for salons, spas, and personal services.
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Insights
Why Vitabyte? A Smarter Choice
Compare Vitabyte vs. Toast in pricing, features, and flexibility. Discover why our scalable solutions give businesses more control and cost savings.
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POS Buyer’s Guide 2025
Discover the best POS system for your business needs. Learn about the latest features, pricing models, and how to future-proof your setup.
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Payment Processing Myths & Truths
Learn about hidden fees, misleading rates, and how to avoid overpaying for credit card processing. Our guide helps businesses find cost-saving opportunities.
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Real Business Success Stories
See how businesses that switched from Toast to Vitabyte improved operations and reduced costs. Read real-world examples and client experiences.
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Payment Processing Myths Debunked
How restaurants overpay by 18-42% due to common misconceptions
What Every Business Needs to Know
Payment processing is one of the most misunderstood aspects of running a business. With hidden fees, misleading claims, and “free” POS offers, it’s easy to fall into a costly trap. Let’s separate the myths from the facts so you can make smarter decisions.
Myth: All processors charge similar rates
This false assumption costs the average restaurant $427/month
Truth: Not all processors charge the same markup.
Some POS providers (like Toast) bundle interchange fees with their own markups, leading to higher overall rates.
Fee Type
What It Covers
Who Charges It?
Interchange Fees
Paid to issuing banks (e.g., Chase, Bank of America)
Card-issuing banks
Assessment Fees
Paid to card networks (Visa, Mastercard, Amex)
Visa, Mastercard, Discover, Amex
Processor Markup
The profit the payment processor takes
POS providers or merchant service providers
Myth: "Flat-Rate Processing Saves You Money"
Some POS providers advertise flat-rate processing (e.g., 2.6% + 10¢ per transaction) as a simple pricing model.
Truth: Flat-rate pricing often means higher costs for businesses processing larger transactions.
For example, if a restaurant processes $50,000/month in sales:
Pricing Model
Average Processing Cost
Flat Rate (Toast: 2.99% + 15¢)
$1,545 per month
Interchange-Plus Pricing (Vitapay: 1.80% + 10¢)
$940 per month
Savings with Vitapay
$605 per month ($7,260 per year!)
Myth: "All Payment Processors Are the Same"
It’s common to assume that all payment processors charge the same fees.
Truth: Some POS providers force businesses into exclusive payment processing agreements with higher fees.
Vitapay offers flexible payment processing with lower rates, while Toast & Square force businesses into high-fee models.
POS Provider
Can You Choose Your Processor?
Typical Processing Fees
Vitapay (Vitabyte)
Yes – Choose your processor
Interchange-plus pricing (lower cost)
Square POS
No – Square processing requiredr
2.6% + 10¢ per swipe
Toast POS
No – Forced into Toast Paymentsr
2.99% + 15¢ per transaction
Myth: "Free POS Systems Save You Money"
Many POS providers advertise "free POS systems," but businesses often end up paying thousands in hidden fees.
Truth: "Free POS" solutions often cost more in the long run
Some POS providers claim to offer free hardware and software—but in reality, you pay for it through higher processing fees.
Mandatory Payment Processing
You’re forced to use their processor at inflated rates.
Long-Term Contracts & Early Termination Fees
Canceling early results in hefty penalties.
Hidden Monthly Fees
Extra charges for online ordering, customer loyalty programs, and advanced reporting.
For example, Toast POS advertises "free" hardware but requires a multi-year contract and charges higher credit card fees.
Myth: All processors charge similar rates
This false assumption costs the average restaurant $427/month
Truth: Not all processors charge the same markup.
Some POS providers (like Toast) bundle interchange fees with their own markups, leading to higher overall rates.
Fee Type
Interchange Fees
What It Covers
Paid to issuing banks (e.g., Chase, Bank of America)
Who Charges It?
Card-issuing banks
Fee Type
Assessment Fees
What It Covers
Paid to card networks (Visa, Mastercard, Amex)
Who Charges It?
Visa, Mastercard, Discover, Amex
Fee Type
Processor Markup
What It Covers
The profit the payment processor takes
Who Charges It?
POS providers or merchant service providers
Myth: "Flat-Rate Processing Saves You Money"
Some POS providers advertise flat-rate processing (e.g., 2.6% + 10¢ per transaction) as a simple pricing model.
Truth: Flat-rate pricing often means higher costs for businesses processing larger transactions.
For example, if a restaurant processes $50,000/month in sales:
Pricing Model
Flat Rate (Toast: 2.99% + 15¢)
Average Processing Cost
$1,545 per month
Pricing Model
Interchange-Plus Pricing (Vitapay: 1.80% + 10¢)
Average Processing Cost
$940 per month
Pricing Model
Savings with Vitapay
Average Processing Cost
$605 per month ($7,260 per year!)
Myth: "All Payment Processors Are the Same"
It’s common to assume that all payment processors charge the same fees.
Truth: Some POS providers force businesses into exclusive payment processing agreements with higher fees.
Vitapay offers flexible payment processing with lower rates, while Toast & Square force businesses into high-fee models.
POS Provider
Vitapay (Vitabyte)
Can You Choose Your Processor?
Yes – Choose your processor
Typical Processing Fees
Interchange-plus pricing (lower cost)
POS Provider
Square POS
Can You Choose Your Processor?
No – Square processing required
Typical Processing Fees
2.6% + 10¢ per swipe
POS Provider
Toast POS
Can You Choose Your Processor?
No – Forced into Toast Payments
Typical Processing Fees
2.99% + 15¢ per transaction
Myth: "Free POS Systems Save You Money"
Many POS providers advertise "free POS systems," but businesses often end up paying thousands in hidden fees.
Truth: "Free POS" solutions often cost more in the long run
Some POS providers claim to offer free hardware and software—but in reality, you pay for it through higher processing fees.
Mandatory Payment Processing
You’re forced to use their processor at inflated rates.
Long-Term Contracts & Early Termination Fees
Canceling early results in hefty penalties.
Hidden Monthly Fees
Extra charges for online ordering, customer loyalty programs, and advanced reporting.
For example, Toast POS advertises "free" hardware but requires a multi-year contract and charges higher credit card fees.
Want to avoid overpaying?
Vitabyte offers transparent pricing, no forced contracts, and lower processing rates.