Pricing · Updated Feb 2026

2.72% plus $0.15

In-personOnline 2.9% + $0.15

That's it. No subscription fee. No statement fee. No PCI fee. No hardware lease. You pay when you sell, and only when you sell. Separate payout fees apply for standard and instant payouts.

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What's Included

Subscription, monthly

Setup fee

PCI compliance fee

Statement fee

Early termination fee

Hardware lease

Per-location fee

Software upgrade fee

The Math

What you'd pay,
on Numu vs a terminal stack.

Move the slider to your actual monthly card volume. The right side runs the same volume through a typical terminal POS (rate + monthly software + hardware amortization).

Your Monthly Card Volume

$18,000

$2k$80k

Payment Mix

2.72% + $0.15 per transaction. No subscription. No statement fee. No hardware lease. Payout fees apply separately.

You'd Pay With…

Traditional terminal POS$643

Numu$567

You Keep+$77/mo

Comparison assumes a typical small-restaurant terminal stack: 2.6% + $0.10 processing, $99/mo software, $25/mo hardware amortization. Actual rates vary.

Side by side

Numu vs the terminal stack.

We're not naming names. The pattern is the same across every legacy terminal POS — hardware to buy, software to subscribe to, contracts to sign.

		Traditional Terminal POS
Card reader / terminal	Not needed	$799 upfront
Monthly software fee	$0	$69–$165/mo per terminal
Setup time	20 min	1–6 weeks
Hardware lease lock-in	None	24–48 months
Per-transaction fee (in-person)	2.72% + $0.15	2.6–3.5% + $0.10–0.30
Per-transaction fee (online)	2.9% + $0.15	2.9–3.5% + fees
Delivery integrations included	Yes	Often $25/mo each
KDS / kitchen screen	Any iPad	$799–$1,400 hardware
Back office	Cloud, included	Often paid add-on
Cancel anytime	Yes	Early termination fee

Start solo

Download & sell — today.

iPhone, iPad, or Android. Verify your business with Stripe, take your first card. We don't talk to you unless something breaks.

Multi-location?

Let's talk about scale.

3+ locations, virtual brands, or a kitchen running multiple concepts? We'll walk you through the back office and the migration path.

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Pricing FAQ

Common questions.

Is there really no monthly fee?

Correct. Numu charges 2.72% + $0.15 per successful in-person card transaction (2.9% + $0.15 for online card-not-present). No monthly subscription, no statement fee, no PCI fee, no hardware lease. If you don't take a card that month, your bill is $0.

What if I want a Stripe Reader M2 anyway?

We support the Stripe Reader M2 — a one-time hardware purchase, not a lease. Same software, same in-person rate, no per-month fee tied to the reader.

How fast do payouts arrive — and are there fees?

Standard payouts land in your bank account 2 business days after the transaction and have no payout fee. Instant payouts are available for an additional 1.5% per payout if you need money same-day. Both options are toggleable in the back office.

What about online and delivery rates?

Online card-not-present transactions through your Numu-hosted ordering page are 2.9% + $0.15. Delivery integration orders are paid through their commission structure; Numu doesn't add a separate fee.

What about the in-person rate — does it change by card type?

The headline rate of 2.72% + $0.15 applies to most card-present transactions including swipe, dip, contactless, Tap to Pay on iPhone, and Stripe Reader M2. Premium cards, international cards, and certain commercial cards may carry a small assessment difference passed through from the networks — you'll see the breakdown on every transaction.

Can I run multiple locations?

Yes. The back office handles unlimited locations and brands at no extra cost. Each location's reporting is separate; rolled-up views are one tap.

Is there a contract?

Month-to-month. Cancel any time. No early termination fee. The account closes when you say it does.

Sign up. Sell.

It's the whole pitch. Numu doesn't have anything else to sell you.

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