Cambria Coffee: $44,448 in reported annual savings
Cambria Coffee is a high-volume café processing $91K/month. They were on Toast and overpaying badly on card processing — brutal on a coffee shop's small average ticket. Software fees were $399/month, they were financing multiple terminals at $350/month, and junk fees added another $124. Total monthly cost was nearly $3,900. Derived put them on Square Premium with a cash discount program — customers who pay cash get a small discount, and the surcharge on card payments covers all processing costs. Monthly processing cost: $0.
Fees before
Fees after
Cash discount program eliminated processing costs
Customers who pay cash get a small discount. The card surcharge covers all processing fees. On $91K/month in volume, the processing cost dropped from $2,980/month to $0.
Software fees cut from $399 to $149/month
Toast was charging $399/month in software fees. Square Premium: $149/month — with better features and 24/7 support. Savings: $250/month.
Free equipment replaced financed hardware
New Square terminals at no cost. Eliminated $350/month in Toast hardware financing.
Eliminated junk fees
PCI, statement, and miscellaneous charges — $124/month removed.
“We're a coffee shop doing serious volume and we were paying like we didn't know any better — because we didn't. Derived put us on cash discount through Square and our processing cost went to zero. We're saving over $44,000 a year.” — Cambria Coffee team, High-volume café
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