Lower processing fees. Better POS. One partner. MKR Systems payment processing and Clover POS for Southern California restaurants and retail.
Start with a statement audit โ a free, no-obligation review of your current merchant processing fees. From there, MKR guides you through Clover hardware options, merchant onboarding, and payment optimization.
What are you really paying?
Most owners don't know their real processing cost. Enter a few numbers and we'll estimate your effective rate and a possible MKR/Clover scenario. Illustrative only โ not a quote.
MKR/Clover estimate uses ~1.65% blended interchange + 0.10% + $0.10/txn (when eligible and approved through underwriting). Illustrative only โ not a quote. Your real savings depend on card mix, ticket size, and current pricing. Upload your statement for an exact review.
From audit to onboarded in 3 steps
Upload your merchant statement. We identify hidden fees, analyze your pricing model, and estimate potential savings. No cost, no obligation.
We review your business type, volume, and workflow. Then we recommend the right Clover hardware configuration and software plan.
MKR handles the underwriting submission, hardware provisioning, and setup. You get a working system with a direct team contact.
Business Intake Questionnaire
Tell us about your business needs and receive a tailored infrastructure recommendation.
What interchange-plus pricing means for you
Most merchants pay flat-rate or tiered pricing โ structures that bundle processor margin into every transaction. Interchange-plus separates the card network's actual cost from the processor markup, making every fee visible and auditable.
For a merchant processing $30,000/month (~1,200 transactions, $25 average ticket, 70% credit / 30% debit), switching from a 2.6% flat rate to IC + 0.10% + $0.10/txn (when eligible) can reduce monthly processing costs from ~$900 to ~$645 โ roughly $3,000+/year vs Square (and up to ~$4,200/year vs Toast).
Illustrative example only. Results vary by card mix, volume, and ticket size. Interchange-plus rate IC + 0.10% + $0.10/txn applies when eligible and approved through underwriting. Final pricing confirmed during proposal review.
Full price and stack comparison at $30K/mo
Based on a $30,000/month cafรฉ (avg $25 ticket, ~1,200 transactions/mo). More than a rate comparison โ see who handles the full business stack.
โ MKR + Clover
Toast (typical)
Square (typical)
| Category | MKR + Clover | Typical Toast | Typical Square |
|---|---|---|---|
| Processing rate Per-transaction cost | IC + 0.10% + $0.10/txn When eligible and approved through underwriting Best savings opportunity* | 2.49% + $0.15/txn Bundled pricing ยท point of sale plan | 2.6% + $0.10/txn Flat-rate, all card types |
| Monthly POS software Software fee, separate from processing |
Starter
$0โ$19.95/mo
Basic payments & reporting
Essentials
$9.95โ$29.95/mo
Inventory, order mgmt, full POS
Restaurant / Retail Growth
$84.95โ$89.95/mo
Loyalty, advanced inventory, e-commerce
Virtual Terminal
$14.95/mo
Keyed-in payments, no hardware required
|
$0 / $69 / $110+/mo Pay-as-you-go ($0, higher rate 2.99%) ยท Point of Sale ($69/mo) ยท Build Your Own ($110+/mo) | $0 / $60/mo Square POS free ยท Square for Restaurants or Retail $60/mo |
| Internet + failover Keeping the store online | Fiber + 5G failover design Business continuity | Usually a separate vendor | Usually a separate vendor |
| Secured network Wi-Fi, VLANs, firewall, PCI planning | UniFi-based network management Integrated | Separate MSP or IT vendor | Separate IT path |
| Website + online ordering Branding, SEO, direct customer acquisition | 3-page business website + hosting Included at no additional monthly cost for qualified Clover projects Qualified promotion | Online ordering from $75/mo** Toast Online add-on ยท 2.49% + $0.15 on online txns ยท POS plan req'd | Square Online from $0โ$29/mo** Free basic tier ยท Plus plan $29/mo ยท 2.9% + $0.30 online txns |
| Best fit owner Who benefits most | One partner for growth + operations Lower fees, Internet, network, PCI, website โ all from MKR | Restaurant software-first operator | Simple starter business |
Comparison insight: Most POS "free websites" are ordering pages tied to the processor. MKR builds a real business website for branding, SEO, and customer acquisition โ not just a menu page.
* IC+ rate when eligible and approved. ** Online ordering add-on pricing varies. Estimates based on $30K/mo, avg $25 ticket. Illustrative โ not a quote.
Frequently Asked Questions
How does the free statement audit work?
Upload your merchant processing statement securely. Our team analyzes your effective rate, identifies hidden fees, and delivers a structured report within 24 hours.
What types of businesses do you serve?
We specialize in San Diego County small businesses including restaurants, retail shops, and service businesses that process credit card payments.
Is there any obligation after the audit?
No. The statement audit is free with no obligation. If you want to proceed with optimization, we guide you through the onboarding process.
What infrastructure services do you offer?
We provide PCI-aware network design, business fiber qualification, UniFi network deployment, security cameras, and failover connectivity solutions.
How do I check internet availability?
Enter your business address in our infrastructure checker. We verify fiber and business internet availability and recommend connectivity options.
Everything your business needs.
One local team.