Payment processing, protection, banking, and financing built for bars, pubs, taverns, and restaurants — one RMO partnership across the tab, the building, and the people behind the bar, instead of a dozen vendors. New partners can lock a 1% processing rate for 24 months to start.
Bars and restaurants run on card and tip volume — and every basis point on your processing is margin you never see again. Move your processing to the RMO Payments Network and your effective rate is 1%, locked for 24 months, with same-day funding so last night’s sales are in the bank today. After two years you move to standard RMO pricing. Final pricing and qualification depend on your volume and transaction mix.
In a bar or restaurant, two paychecks are always on the line: the revenue that keeps the business open, and the income your staff lives on. RMO protects both.
When a covered event forces you to close — a kitchen fire, a power or equipment failure, a covered interruption — Operations Protection covers the revenue you would have earned while the doors were shut. A bad week doesn’t become a closed business.
Offer your bartenders, servers, and kitchen staff a personal income-protection benefit through RMO Protection: a plan that helps cover their housing, utilities, and essential expenses if a covered disruption affects their income. You sponsor it as a workplace benefit — a low-cost way to keep good people in a high-turnover industry.
The processing offer is the headline, but bars and restaurants run on a lot more than card payments. From banking and working capital to insurance, gift cards, and equipment financing, RMO brings the whole operation under one roof — take the 1% rate on its own, or build out from there.
Lock a 1% effective rate for two years on the RMO Payments Network. POS integration, contactless and mobile payments, tip adjustment, and same-day funding to keep cash flow moving through every shift.
Business interruption and liability coverage for food and beverage service. Covers the income you lose when a covered event closes the doors — so you stay solvent through the unexpected.
An employer-sponsored personal income benefit for your staff — helps cover their housing, utilities, and essential expenses if a covered disruption affects their income. A retention tool that costs the business little and means a lot to your team.
Protect your building, bar, kitchen line, walk-ins, furnishings, and inventory — with business-income coverage built in. Coverage designed for the wear, heat, and late hours of food and beverage.
Card data, POS systems, and reservation platforms are prime targets. Protect against PCI-related breaches, ransomware, and the liability that comes with handling guest payment data.
Finance a new bar build-out, kitchen line, walk-in, HVAC, or a patio expansion. Flexible terms designed for the seasonal revenue patterns of bars and restaurants.
Business checking and savings built for cash-heavy, tip-driven operations — cash-management tools, debit cards with spending controls, and online banking through MyRMO, with deposits funded same-day from your processing.
Lines of credit, term loans, and SBA financing to carry a slow season, fund a remodel, or open a second location — plus buy-now-pay-later so guests can finance big catering and private-event tabs while you’re paid upfront.
Sell and redeem gift cards, run loyalty and repeat-visit programs, and accept every way guests want to pay — tap, mobile wallet, QR, and online — through RMOPay, all reconciled in one place.
Late-night hours, high card and tip volume, seasonal swings, and a crew that turns over — bars and restaurants don’t run like a retail store, and RMO doesn’t treat them like one. The 1% rate keeps more of every tab in the business, Operations Protection keeps you solvent when a covered event shuts the kitchen, and the staff income benefit gives your bartenders and line cooks a reason to stay. One relationship covers the tab, the building, and the people behind the bar.
Bar and restaurant partnerships run through RMO M.A.P.S — a clear path from inquiry to a working solution.
Submit an information request through RMO M.A.P.S and tell us about your bar or restaurant.
A M.A.P.S rep reviews your current processing statements and confirms your 1% savings and qualification.
We lock your rate and assemble business protection and the staff income benefit around what you need.
Onboard with hands-on support — POS setup, policy binding, and staff enrollment.
Qualifying bars and restaurants that move their card processing to the RMO Payments Network get a 1% effective processing rate locked for 24 months, with same-day funding, POS integration, contactless payments, and tip adjustment. After 24 months you move to standard RMO pricing. Final pricing and qualification depend on your volume and transaction mix.
Operations Protection covers the income you lose when a covered event forces you to close or a key system goes down — a kitchen fire, a power or equipment outage, or a covered interruption. It backstops the revenue you would have earned while you were closed, so a bad week doesn’t become a closed business.
Through RMO Protection, you can offer your staff a personal income-protection benefit — a plan that helps cover their housing, utilities, and essential monthly expenses if a covered disruption affects their income. You sponsor it as a workplace benefit; your MAPS rep sets it up alongside your business package. It’s a low-cost way to retain bartenders, servers, and kitchen staff in a high-turnover industry.
Bar and restaurant partnerships go through RMO M.A.P.S (Mergers, Acquisitions, Partnerships & Services). Submit an information request at /maps/request-more-information/ and select Bars & Restaurants. A MAPS rep follows up within one business day to scope your processing savings, business protection, and the staff benefit.
No. The 1% processing offer stands on its own. Operations Protection, the employee income benefit, property and cyber coverage, and equipment financing are available to add when they make sense for your operation — your MAPS rep builds the package around what you actually need.
From a single neighborhood bar to a multi-location restaurant group, RMO builds a package that keeps more of every tab in the business and protects the income on both sides of the bar.
