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Real-time cost analysis

See what Labrador would save you.

Enter your monthly processing volume — or upload a merchant statement — and we'll show you exactly how much you're paying right now, and what you'd pay with Labrador.

Your restaurant

Drag the slider or type your numbers — results update live.

$80,000
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Your cost analysis

What you're paying right now

Based on industry-average rates for independent restaurants.

Current processing cost Industry avg. 2.9% + $0.30/txn
$3,280
Software stack Toast, ChowNow, Attentive, etc.
$1,048
Total monthly cost
$4,328
With Labrador
Labrador processing $0-fee program — $0 cost to you
$0
Software stack Included with Labrador Payments
$0
Total monthly cost
$0
Your annual savings
$51,936
Methodology: Industry rate assumes a 2.9% + $0.30/transaction blended effective rate (typical of Toast / Square / processors for independents). Software benchmark is $1,048/mo based on our vendor analysis (Toast, ChowNow/BentoBox, GRUBBRR, Mandoe, Attentive, Slang.ai, RingCentral, Podium). Labrador offers two processing options — interchange-plus or a $0-fee program — and the full software stack is included at $0 either way. Figures reflect the pricing model selected above; your exact setup is confirmed after reviewing your statement.
Lock in these savings
The breakdown

Three ways Labrador saves you money.

Lower processing, zero software, zero add-ons.

Processing savings
$39,360/yr
On the $0-fee program your processing cost drops to $0; on interchange-plus, a lower effective rate than your current processor.
Software savings
$12,576/yr
Replaces 8+ vendors. Website, ordering, loyalty, SMS, kiosk, phones — all included at $0/mo.
Hidden fees saved
Priceless
No commission on online orders. No integration fees. No multi-year lock-in.
Go deeper

Get a real analysis from your actual statement.

Upload your most recent merchant statement and our team will return a detailed line-by-line cost analysis — including hidden fees, interchange markup, and exact Labrador savings. Free, no obligation.

Drop your merchant statement here

PDF, PNG, or JPG from Toast, Square, Stripe, Clover, WorldPay, TSYS, or any processor. Up to 10 MB.

We reply within one business day.
Calculator FAQ

How these numbers work

2.9% + $0.30/transaction is the published rate for Square and the typical effective blended rate for Toast, Clover, Stripe, and most independent-restaurant processors. Your actual rate may be slightly higher or lower depending on card mix, chargeback history, and processor markups.

That's the combined list price for a typical independent restaurant's stack: POS ($79), online ordering + website ($148), kiosk + KDS ($178), digital menu boards ($49), SMS/loyalty/gift cards ($168), AI phone ($149), phone + internet ($178), Google reviews ($99). See the math breakdown on the homepage.

You choose the model that fits your restaurant: interchange-plus — a low, transparent effective rate, typically at or below your current processor — or a $0-fee program, where card processing costs you nothing. Either way, your full software stack is included at $0. Toggle the two in the calculator above to compare, and we'll confirm the exact setup after reviewing your statement.

Yes. Uploads are encrypted in transit and at rest. Statements are reviewed by a small team, analyzed within one business day, and automatically deleted within 30 days. We never share your data with third parties.

Not pushy. If Labrador isn't a fit — maybe you're locked into a multi-year contract or already at a great rate — we'll tell you. We'd rather earn a referral than a begrudging customer.