Restaurants hand over up to $17,400 a year in credit card processing fees. Celt Payments installs Lavu POS with a dual-pricing model built to give that money back — plus enterprise security and a rep who actually answers the phone.
POS
Most owners can quote their food cost to the decimal — and have no idea what their real effective processing rate is. It's buried across interchange, assessments, monthly minimums, PCI fees, and quiet annual increases.
On a 6% net margin, every dollar lost to processing is roughly sixteen dollars of sales you have to make just to break even on it.
Celt Payments doesn't just drop off a terminal. We build your menu, train your staff, configure your compliance program, and stay reachable after the install.
Lavu shows a cash price and a card price at the point of sale, so card acceptance stops eating your margin. We configure each program to comply with the card network rules that apply to your location.
Lavu's built-in AI reads your POS data to surface profit leaks, forecast demand, and answer operational questions in plain English. Analytics most competitors sell as a premium add-on.
Payments run on Adyen, a PCI DSS Level 1 processor. Card data is encrypted at the terminal and tokenized at rest — and your PCI paperwork shrinks dramatically.
Online ordering, delivery integrations, QR ordering, and kitchen display are native — not bolted on. Floor, kitchen, and back office run on one system.
Cellular failover, offline mode, and battery backup on your network hardware — so an outage, a storm, or a flicker in power doesn't become a night of lost sales.
You get a direct line to a real person. Installation, training, and troubleshooting from someone who knows your restaurant — not a ticket number in an overseas call centre.
Most restaurant software is built for the manager running the floor — who is seating a party of twelve and fixing an oven, and will never read your dashboard. Marty is built for the owner. It reads across your systems every night and writes you a plain-English summary of what went wrong, what it cost, and who needs to fix it.
Setup takes about 90 minutes. Your first Morning Deposit arrives within 48 hours.
Explore Marty AI on Lavu →Overtime, unlogged comps, a location running half the productivity of its sister store — none of these fire an alert. They show up as thinner margins weeks later.
Over one three-day stretch at a four-location group, Marty surfaced roughly $8,200 at risk on day one (a cook at 90+ hours, undocumented comps, a kitchen hood failure), $10,600 more on day two, and $15,000 on day three from a two-to-one labor productivity gap between sister locations — about $33,800 in three mornings, none of it visible in any existing report.
Figures are results reported by Lavu for a specific customer group. Individual results vary and are not guaranteed.
A POS only counts the customers who already found you. Every Celt install includes the digital groundwork that brings new ones through the door — and keeps the margin on the orders you already have.
We build and optimise your Google listing — hours, photos, menu, ordering link, review prompts. It's the single highest-impact free asset a restaurant has, and most are half-finished or unclaimed.
Your branded online ordering, synced straight to your Lavu menu. One menu to maintain, orders landing directly on your POS, and the customer relationship stays yours — not a marketplace's.
Through the MenuDrive–DoorDash partnership, orders from your own site are fulfilled by Dashers for a flat per-delivery fee — commission-free to you — instead of marketplace commissions that can reach 30% of the ticket.
On a $60 order, that's roughly $18 to the marketplace versus about $6 in delivery cost. Exact flat fee varies by market and distance and is confirmed per agreement.
See MenuDrive online ordering →Menu and location data structured so search engines — and AI assistants people now ask for recommendations — can actually read it. The goal is simple: when someone nearby searches for what you serve, you come up.
Restaurant POS systems are a prime target. The strongest defence isn't a better firewall — it's making sure there's no readable card data on your network to steal in the first place.
Tap, chip, or swipe on the handheld right at the guest's table.
Encrypted inside the device before it leaves — PCI-validated P2PE available.
Only Adyen's PCI DSS Level 1 environment can decrypt. Stored cards become tokens.
One platform from terminal to settlement — one accountable partner.
Every major platform clears the PCI baseline. The differences show up in what a switch costs you, what you're locked into, and who picks up the phone.
Swipe the table sideways to see every provider →| What owners care about | Celt + Lavu | Shift4 SkyTab | Toast | Square | Clover | Moneris | Touch‑Bistro | Silver‑ware |
|---|---|---|---|---|---|---|---|---|
| Program to eliminate processing fees | ● | ● | ◐ | ◐ | ◐ | ○ | ◐ | ◐ |
| Freedom from long contract lock-in | ◐ | ○ | ○ | ● | ○ | ○ | ◐ | ◐ |
| Low upfront hardware cost | ● | ● | ○ | ● | ○ | ◐ | ◐ | ○ |
| Staff trained in a single shift | ● | ◐ | ◐ | ● | ◐ | ◐ | ● | ● |
| A named local rep who answers | ● | ◐ | ◐ | ○ | ◐ | ◐ | ◐ | ○ |
| Native AI analytics included | ● | ○ | ◐ | ○ | ○ | ○ | ○ | ○ |
| Lightest PCI compliance burden | ● | ◐ | ◐ | ◐ | ◐ | ◐ | ◐ | ◐ |
● Solves it well · ◐ Partial / varies by plan · ○ Works against the owner. Competitor positioning reflects general market information as of 2026 and should be confirmed for your specific plan and agreement.
Download the full comparison PDF · 2 pagesThrough a cash discount or dual pricing program built into the point of sale. The POS shows two prices — a cash price and a card price — so the cost of card acceptance is carried at the point of sale rather than absorbed by your margin. Lavu supports dual pricing natively, and we configure the program to comply with card network rules and local regulations.
Most restaurants pay an effective rate between roughly 2.6% and 2.9% of card volume. A restaurant processing $50,000 per month in card sales pays about $1,450 per month — roughly $17,400 per year. Most owners are surprised, because the true rate is spread across interchange, assessments, and monthly fees.
Cash discount and dual pricing programs are widely used and permitted in both Canada and the United States, subject to card network rules — including display and disclosure requirements, surcharge caps, and restrictions on debit. Rules vary by province and state, so we configure every program to comply with the requirements that apply to your location, and we'd always encourage you to confirm your specific setup with your acquirer.
Lavu's payment processing runs on Adyen, a PCI DSS Level 1 certified processor. Card data is encrypted at the payment terminal and tokenized at rest, so raw card numbers never reach your POS, your Wi-Fi, or your back office. That also reduces your PCI compliance paperwork substantially compared with handling raw card data.
Marty is Lavu's built-in artificial intelligence for restaurant operations. It reads your POS data to surface profit leaks, forecast demand, and answer operational questions in plain language — effectively an always-on analyst, included rather than sold as a premium add-on.
With the right setup, you keep serving. A cellular failover modem keeps the system fully online through an internet outage. Lavu also supports an offline mode that stores transactions and forwards them once you reconnect — though offline transactions aren't authorized until reconnection, so there's some risk on declines. Power outages need battery backup on your network hardware. We configure this resilience kit at installation.
It's the number one hesitation we hear, and a fair one. We handle the menu build and data migration, and schedule the cutover around your slow period — never mid-rush, and never mid-season if we can avoid it. Staff training is typically a single shift because the interface is iPad-simple.
Nothing. Bring us one recent processing statement and we'll show you your true effective rate and exactly what a switch would save. No obligation, no pressure — and if you're already in a good deal, we'll tell you that too.
One recent processing statement is all it takes. We'll show you your real effective rate and what you'd keep. Free, and no obligation.