Credit Card Processing

2.29% Swiped Rate
3.29% Non Swiped Rate
+$.19 per transaction*


The Michigan Restaurant Association, in partnership with First Data Corp., provides payment services designed specifically for the restaurant industry.  The program was developed by restaurateurs to provide increased payment choices and attractive rates for credit card processing to small and mid-size merchants and national chains.  There is no application fee and it’s easy to get started. 

In addition, we offer Clover®, an all-in-one business management solution that helps you get paid, sell more and run your business better. Clover POS devices let you accept most payment types—including EMV® chip cards, debit and contactless payments such as Apple Pay® and more. And with the Clover App Market you can access hundreds of business apps designed to help you do everything from manage inventory and payroll, to create branded gift cards and set up a loyalty program.        

For additional information, please contact Pam Sawatzki, Member Services Administrator, at 800-968-9668 x3940 or by email at psawatzki@mramail.org


*Offer applies to new Clover Station, Clover Mobile, Clover Mini and Clover Flex clients only. Rates are valid for Restaurant Depot members. Rates and eligibility are subject to change without notice.  All merchants required to complete a merchant application and are subject to underwriting and approval. Additional fees may apply. All rates and fees are subject to change in accordance with the terms of the Merchant Agreement. Some business types are subject to different rates. Transactions will be billed according to transaction type: A rate of 2.29% + $0.19 per transaction fee applies to all credit and debit swiped transactions (sometime referred to as “card present” transactions). Chip-enabled “dipped” transactions will be billed at the swiped rate. A rate of 3.29% + $0.19 per
transaction fee applies to all credit and debit non-swiped transactions. Most manually “keyed” transaction will be billed at the non-swiped rate. Program requires purchase of Clover point-of-sale hardware, security protection and a software plan. Wireless/data access services not included. Processing services provided solely by First Data. Offer valid only in U.S., excluding Puerto Rico, and void where prohibited. The Clover trademark and logo are owned by Clover Network, Inc., a First Data company.