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Frais cachés des prestataires de paiement : comment les éviter ?
2026-02-21 17:22 Diff
https://www.innovorder.com/blog/frais-caches-des-prestataires-de-paiement-comment-les-eviter
Si vous avez un terminal de paiement électronique dans votre restaurant, ce qui est probablement le cas, vous payez sûrement des commissions à un prestataire de paiement. Jusque-là, rien d’anormal. Mais entre ce qui est annoncé, ce qui vous est réellement facturé, il y a parfois un gouffre. Commissions, frais techniques, clauses écrites en petits caractères et options « incluses » qui ne le sont pas vraiment, connaissez-vous réellement le coût de votre TPE ?
Dans cet article, nous vous aidons à y voir clair : quels frais sont légitimes, lesquels sont abusifs ou flous, et surtout, comment éviter de payer plus que nécessaire.
‍
Décrypter les frais d’un prestataire de paiement : structure, pièges et zones floues

Avec plus de 6 paiements sur 10 effectués par carte, les commissions sur transactions deviennent l’un des premiers postes de frais invisibles. Mieux vaut donc comprendre ce qui se cache derrière chaque chiffre et pourcentage affichés par votre prestataire.
Frais visibles sur un terminal de paiement : attention aux coûts mal compris

Quand on signe avec un prestataire de paiement, les restaurateurs regardent en priorité la commission sur transaction, aux alentours de 1,7 % du montant encaissé via carte bancaire.
Mais attention, ce taux varie selon plusieurs critères : le type de carte (Visa, Mastercard, Amex…), le canal (sans contact, en ligne, QR code), ou encore le volume mensuel, incluant les ventes réalisées sur place, en livraison, en Click and Collect, etc. Méfiez-vous aussi de la mention « à partir de » qui peut cacher une tarification TPE pour restaurant peu avantageuse en dessous d’un certain seuil.
Autre point souvent négligé : les frais annexes. La location du terminal peut coûter entre 20 et 40 € par mois, y compris pour un appareil basique. Certains prestataires ajoutent également des frais d’installation, alors que vous pouvez l’installer vous-même. Et si votre chiffre d'affaires est faible pendant une période, gare au minimum mensuel de commission facturée : vous paierez quand même.
Frais cachés d’un prestataire de paiement : ce que les CGV omettent

C’est souvent dans les petites lignes que se cachent les mauvaises surprises. Certains frais ne figurent pas sur le devis commercial, mais dans les conditions générales de vente (CGV).
Par exemple, le support technique n’est pas toujours inclus : vous pourriez vous retrouver à payer 0,30 € par minute d’appel ou devoir souscrire un forfait mensuel. Autre point qui doit attirer votre attention : les frais de rétrofacturation en cas de litige avec un client. Dans certains cas, cela peut monter à 25 € par dossier, même si vous avez raison. À cela s’ajoutent parfois des frais de non-utilisation du TPE, oui, même si vous êtes fermé et des coûts de clôture anticipée du contrat.
Coût réel d’un terminal de paiement électronique : faire les bons calculs

Un TPE « gratuit », ça n’existe pas. Même les offres dites sans engagement incluent des frais fixes (comme la location ou la maintenance) et des frais variables (les fameuses commissions mentionnées ci-dessus). D’autres éléments tels que l’accès au portail commerçant ou les mises à jour sécuritaires, peuvent aussi être facturés.
Certains prestataires imposent un taux plancher ou un minimum de facturation, ce qui signifie que vous pouvez payer des frais même si vous n’avez eu aucune transaction ce mois-là. Un vrai piège pour les établissements saisonniers ou les restaurants ayant ouvert leurs portes récemment.
👉Pour aller plus loin : Simplifiez l’encaissement dans votre restaurant grâce à l’IO Pay
‍
Lire entre les lignes : auditer un contrat de prestataire de paiement pour éviter les frais cachés

Il est parfois tentant de lire un contrat de prestataire de paiement en diagonale puis de le signer dans la foulée. Pourtant, c’est souvent là que se cachent les mauvaises surprises.
Clauses à examiner avant de signer (ou renégocier) un contrat de paiement

Avant de signer, ou pour renégocier votre contrat avec un prestataire de paiement, certains éléments doivent être examinés à la loupe. Commencez par la durée d’engagement : elle est souvent de 24 à 36 mois. Vérifiez ensuite les frais de résiliation anticipés : ils peuvent dépasser les 150 €, sans parler des pénalités liées au retour du matériel.
Soyez aussi vigilant quant à l’indexation des tarifs. Certains contrats permettent une révision des taux, parfois sans notification claire. Enfin, exigez une simulation basée sur vos volumes réels d’encaissement, pas une simple estimation standard.
4 signaux d’alerte sur une offre « trop belle pour être vraie »

Des offres alléchantes vous font miroiter des commissions très basses, mais cachent souvent des contreparties : support externalisé, matériel imposé ou délais de versement très longs. Voici 4 signaux qui doivent vous alerter :
Service client difficilement joignable : assistance externalisée, réponse lente, voire inexistante.
Délai de versement supérieur à 5 jours ouvrés : impact direct sur votre trésorerie quotidienne.
Matériel imposé, sans intégration possible avec votre caisse : perte de flexibilité et surcoût potentiel.
Conditions générales de vente peu lisibles ou incomplètes : frais cachés très probables.
Vous avez identifié l’un ou plusieurs de ces signaux ? Posez des questions, demandez des précisions et comparez. Et si les réponses ne vous satisfont pas, mieux vaut vous tourner vers un autre prestataire.
Délai de versement, litiges, double facturation : des pièges qui plombent les marges

C’est du vécu : des restaurateurs se sont vus attendre 7 à 10 jours pour recevoir leurs fonds, ont payé des frais de rétrofacturation en cas de client mécontent, ou pire à se sont retrouvés à payer une double facturation parce qu’ils avaient signé deux contrats qui se chevauchaient (banque + prestataire indépendant).
Tous ces imprévus pèsent lourd sur la trésorerie, compliquent la gestion quotidienne et rognent vos marges, souvent sans que vous compreniez d’où vient le problème. Être vigilant sur ces points, c’est prévenir des pertes qui peuvent facilement être évitées avec un bon audit de contrat.
Négocier un contrat de paiement : astuces et leviers pour les restaurateurs

Un contrat de paiement, ça se négocie et, en tant que restaurateur, vous avez plus de poids que vous ne le pensez, à condition d’activer les bons leviers, au bon moment.
Quand renégocier avec son prestataire de paiement pour maximiser son pouvoir ?

Trois moments stratégiques vous offrent un vrai pouvoir de négociation. Le premier, à la fin d’un engagement contractuel : vous êtes libre, donc plus fort. Le second, après 6 à 12 mois d’activité, car vous avez des chiffres à faire valoir. Le dernier, si vous ouvrez un deuxième point de vente, vous représentez un volume potentiel plus important : c’est l’occasion parfaite pour exiger mieux.
Quels leviers de négociation fonctionnent vraiment ?

Pour négocier un contrat à votre avantage, concentrez-vous sur ces trois points clés :
Le volume d’encaissement, qui peut justifier une baisse des commissions,
L’engagement sur la durée, souvent récompensé par de meilleurs tarifs,
L’exclusivité (ou l’utilisation conjointe d’autres services comme la caisse), qui intéresse fortement les prestataires.
Vous pouvez aussi choisir entre frais fixes ou variables, en fonction de votre modèle économique. Si vous avez un fort volume stable, un forfait fixe mensuel peut s’avérer plus rentable.
‍
Quel acteur choisir : banque ou prestataire indépendant ?

Les banques rassurent par leur solidité, mais leur tarification est souvent moins lisible. Les prestataires indépendants, eux, sont plus souples, mais nécessitent un peu plus de vigilance sur les conditions contractuelles. Faites jouer la concurrence et n’oubliez pas de demander un devis détaillé et chiffré.
👉 Pour aller plus loin : Guide : choisir le meilleur logiciel de caisse pour votre restaurant
Comprendre les frais liés à votre prestataire de paiement est un moyen de reprendre le contrôle sur une dépense souvent sous-estimée, mais qui pèse lourd sur vos marges. En prenant le temps d’analyser, de comparer et de négocier, vous sécurisez votre trésorerie sans sacrifier la qualité du service. Et à la fin, chaque euro économisé, est une opportunité en plus pour faire grandir votre établissement et le faire durer.
Envie d’optimiser vos coûts de paiement ? Découvrez comment Innovorder peut vous accompagner concrètement.
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class="nav-menu-title">Monnayeur automatique</div><div class="nav-menu-text-2">Gagnez du temps sur le paiement en espèces</div></div></div></a><a href="/portefeuille-electronique" class="nav-link-with-icon encaissement-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc5993cd19fe9d_Portefeuille%20%C3%A9lectronique.webp" loading="lazy" width="26" alt="Portefeuille électronique" class="icon-navigation"><div><div class="nav-menu-title">Portefeuille électronique</div><div class="nav-menu-text-2">Modernisez l&#x27;utilisation du badge convive</div></div></div></a><a href="/io-pay" class="nav-link-with-icon encaissement-hover w-inline-block"><div class="icon-link-nav relative"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f3fcfc59536319ffaf_IOpay.webp" loading="lazy" width="26" alt="io pay" class="icon-navigation"><div><div class="title-label-wrap"><div class="nav-menu-title bold">IO Pay</div><div class="new-label _1"><div>New</div></div></div><div class="nav-menu-text-2">Le paiement en toute simplicité</div></div></div></a><a href="/tpe-restaurant" class="nav-link-with-icon encaissement-hover w-inline-block"><div class="icon-link-nav relative"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/692ed70609f8edf0b0d2ff0b_Icons_NFC%201.avif" loading="lazy" width="26" alt="TPE" class="icon-navigation"><div><div class="title-label-wrap"><div class="nav-menu-title bold">TPE</div></div><div class="nav-menu-text-2">Encaissez rapidement et sans erreur</div></div></div></a></div></div><div id="w-node-_1247b359-1103-5983-40cb-a96f89520ee1-15531d30" class="right-grids-col"><div class="w-layout-grid nav-v-grid-2-column"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93090f4f-15531d30" class="column-nav-inner-wrap solutions"><div class="column-nav"><div class="title-nav">Préparation</div><div class="gradient-spacer menu"></div></div><a href="/ecran-cuisine-production" class="nav-link-with-icon preparation-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59591219fe0d_%C3%A9cran%20de%20production.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Écran de production</div><div class="nav-menu-text-2">Boostez votre productivité en cuisine</div></div></div></a><a href="/ecran-client" class="nav-link-with-icon preparation-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f3fcfc593cae19ff43_ecran-client.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Écran client</div><div class="nav-menu-text-2">Communiquez avec vos clients et vos livreurs</div></div></div></a><a href="/reception" class="nav-link-with-icon preparation-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f3fcfc593a8019ff44_reception.png" loading="lazy" width="26" alt="" class="icon-navigation small"><div><div class="nav-menu-title">Réception</div><div class="nav-menu-text-2">Optimisez la gestion de vos commandes</div></div></div></a></div></div><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93090f6c-15531d30" class="w-layout-grid nav-v-grid-2-column"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93090f6d-15531d30" class="column-nav-inner-wrap solutions"><div class="column-nav"><div class="title-nav">Pilotage</div><div class="gradient-spacer menu"></div></div><a href="/io-analytics" class="nav-link-with-icon pilotage-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/65bfca2614cbc515b25b7b48_Picto%20Lecteur%20Badge.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">IO Analytics</div><div class="nav-menu-text-2">Décuplez vos performances</div></div></div></a><a href="/logiciel-caisse-restauration" class="nav-link-with-icon pilotage-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc5921d219fe4e_Backoffice.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Backoffice</div><div class="nav-menu-text-2">Paramétrez vos points de vente simplement</div></div></div></a><a href="/programme-fidelite-restauration" class="nav-link-with-icon pilotage-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc595c5019fe54_Programme%20de%20fidelit%C3%A9.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Programme de fidélité</div><div class="nav-menu-text-2">Faites revenir vos clients</div></div></div></a></div></div><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93090f8a-15531d30" class="w-layout-grid nav-v-grid-2-column"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93090f8b-15531d30" class="column-nav-inner-wrap solutions"><div class="column-nav"><div class="title-nav">Écosystème</div><div class="gradient-spacer menu"></div></div><a href="/integrations" class="nav-link-with-icon ecosysteme-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc593ed619fe55_Integration.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Intégrations</div><div class="nav-menu-text-2">Connectez vos solutions favorites</div></div></div></a><a href="https://developers.innovorder.fr/" target="_blank" class="nav-link-with-icon ecosysteme-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc593b5e19fe53_developper%20API.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Developer API</div><div class="nav-menu-text-2">Créez des solutions customisées</div></div></div></a></div></div><div id="w-node-bddfa5ab-bcc5-729e-d6fe-7b77fce058b4-15531d30" class="new-solution-pop-up"><a href="#" id="w-node-_7160510d-567f-fc4f-1b7b-5bf3f55c6228-15531d30" class="w-inline-block w-lightbox"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67717dad31f20da28d8b70d2_63346942300af91169c24171_Chicken%20Village%201.avif" loading="lazy" alt="" class="img-lightbox"><script type="application/json" class="w-json">{
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}</script></a></div><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6418df12650d9714a7e8f9ad_new%20img.svg" loading="lazy" id="w-node-d4fda6b4-3db5-73b0-2d27-38372a7ab137-15531d30" alt="" class="new-label-solution"></div></div></div></nav></div></div><div class="nav-dropdown-wrapper-2"><div data-hover="true" data-delay="0" class="nav-dropdown-2 w-dropdown"><div class="dropdown-toggle-nav-2 w-dropdown-toggle"><div class="dropdown-title">Expertises</div></div><nav class="dropdown-list-nav-small-2 w-dropdown-list"><div class="expertises-navbar-grid"><div id="w-node-aa656673-4e6d-f708-e5ba-6807f13ce5a5-15531d30" class="block-1-ex-upper"><div class="nav-title-arrow"><a href="/restauration-collective" class="link-nav">Restauration collective</a><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6457afdea27d219b01a4dfe1_arrow-nav.png" loading="lazy" alt="" class="img-arrow-nav"></div><div class="sub-nav-ex">Modernisez vos parcours convives et simplifiez la gestion de votre établissement.</div><div class="gradient-spacer-nav"></div></div><div class="spacer-grid"></div><div id="w-node-_0f43510f-c4c4-4d60-2566-a95d08876b04-15531d30" class="block-1-ex-upper"><div class="nav-title-arrow"><a href="/restauration-commerciale" class="link-nav">Restauration commerciale</a><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6457afdea27d219b01a4dfe1_arrow-nav.png" loading="lazy" alt="" class="img-arrow-nav"></div><div class="sub-nav-ex">Boostez votre panier moyen, fluidifiez votre organisation et fidélisez vos clients.</div><div class="gradient-spacer-nav"></div></div><div class="spacer-grid"></div><div id="w-node-d120f632-a309-5393-e30f-2021aec224f4-15531d30" class="block-1-ex-upper"><div class="nav-title-arrow"><div class="link-nav no-hov"><strong>Spécialité</strong></div><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6457afdea27d219b01a4dfe1_arrow-nav.png" loading="lazy" alt="" class="img-arrow-nav"></div><div class="sub-nav-ex">Equipez votre point de vente avec un écosystème sur-mesure, adapté aux spécificités de votre activité.</div><div class="gradient-spacer-nav"></div></div><a id="w-node-_03b7b6c2-69d4-9142-94eb-67ce3204819c-15531d30" href="https://www.innovorder.com/restauration-collective/sante" class="exp-inner-block collective-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc5951ef19fef3_Sant%C3%A9.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Santé</div></a><a id="w-node-c8b3112d-8ab6-0950-2efc-da3916b60cc0-15531d30" href="https://www.innovorder.com/restauration-collective/entreprise" class="exp-inner-block collective-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59bbdc19fef4_Entreprise.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Entreprise</div></a><div class="spacer-grid"></div><a href="https://www.innovorder.com/restauration-commerciale/independant" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59e04d19fef6_Ind%C3%A9pendant.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Fast-food</div></a><a id="w-node-_889a5a6a-bda6-20c1-e24e-51597232e6b3-15531d30" href="https://www.innovorder.com/restauration-commerciale/food-court" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc593b1919fef7_Food%20Court.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Food court</div></a><div class="spacer-grid"></div><a id="w-node-_0cca9382-d50d-4fbd-f158-2fb539c6e52d-15531d30" href="/burger" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82555a7785ee0abdf21_burger.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Burger</div></a><a id="w-node-_4a240acc-216e-389e-27da-31c43e05f2c2-15531d30" href="/pizza" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82507dc7509ff60acd3_pizza.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Pizza</div></a><a id="w-node-d7752374-55d1-0a55-407a-0d4a77f62ea0-15531d30" href="https://www.innovorder.com/restauration-collective/scolaire" class="exp-inner-block collective-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc5909e119fef5_Enseignement.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Enseignement</div></a><a id="w-node-_78636bf4-7bdb-4ad5-1108-180d722578e8-15531d30" href="https://www.innovorder.com/restauration-collective/administration" class="exp-inner-block collective-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59046519fefb_Administration.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Administration</div></a><div class="spacer-grid"></div><a id="w-node-_6c7552c2-044d-c038-f984-ea0a12d368fb-15531d30" href="https://www.innovorder.com/restauration-commerciale/franchise" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59832f19fefa_Franchise.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Franchise</div></a><a id="w-node-_84178b62-3f7c-6104-5fbc-7906c225202f-15531d30" href="https://www.innovorder.com/restauration-commerciale/dark-kitchen" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59b14519fef8_Dark%20Kitchen.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Dark kitchen</div></a><div class="spacer-grid"></div><a id="w-node-_8a10afe5-1f21-e096-7223-25d662a50afd-15531d30" href="/kebab" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce8253fcd6f165e232af1_kebab.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Kebab</div></a><a id="w-node-ac5a0e04-890b-6703-1601-b38c4ad0186f-15531d30" href="/sandwicherie" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82531802d2f9c28a652_sandwicherie.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Sandwicherie</div></a><div class="spacer-grid"></div><a id="w-node-_67e0697b-ea4d-2429-dc93-47517380b36b-15531d30" href="https://www.innovorder.com/restauration-commerciale/bowling" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/68849a705a22d0de5eccfdc4_BOWLING.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Bowling</div></a><a id="w-node-f23bba0b-b18d-806a-14fa-d4882686fedd-15531d30" href="https://www.innovorder.com/restauration-commerciale/espace-de-loisir" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/68849a6d6dec5df6f836a659_ESPACE%20DE%20LOISIR.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Espace de loisir</div></a><div class="spacer-grid"></div><a id="w-node-_146552e5-c16d-a46c-ba4a-0a664f628ff5-15531d30" href="/tacos" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82552c6f3d520c4e731_tacos.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Tacos</div></a><a id="w-node-_29ff2d6f-f5cb-e091-5854-5458f2ee9ba9-15531d30" href="/bar-a-salade" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce825b0c58a4f5886b704_salade.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Bar à salade</div></a><div class="spacer-grid"></div><a id="w-node-a9c9ae20-1c90-4b99-83d5-e9420c7183cd-15531d30" href="/glacier" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82594e850308d07c7cc_glacier.avif" loading="lazy" alt="" class="icon-navigation exp"><div><strong>Glacier</strong></div></a><a id="w-node-_7b8da83d-7cf2-7f54-8543-d6aee64cbab5-15531d30" href="https://www.innovorder.com/restauration-commerciale/parc-dattraction" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/68849a6d6e8226dcdd0aa7a6_PARC%20D%27ATTRACTION.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Parc d&#x27;attraction</div></a><a id="w-node-f816c230-e1e0-a1eb-6059-5883600433a5-15531d30" href="https://www.innovorder.com/restauration-commerciale/camping" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/68849a6e5c3bbaacad5dc651_CAMPING.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Camping</div></a><div class="spacer-grid"></div><a id="w-node-_43152c71-43b2-2f4c-1742-810acb6a75da-15531d30" href="/boulangerie" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82592b1fed4f753df0b_Boulangeri.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Boulangerie</div></a><div class="spacer-grid"></div><a id="w-node-d7bc54d1-458e-3c37-0fdf-8900800416e0-15531d30" href="/poke" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82531802d2f9c28a65c_poke.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Poké</div></a><div class="spacer-grid"></div><a id="w-node-_2b507d87-2aed-2016-49be-775f21482715-15531d30" href="/bagel" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce825ebd368b7ef7582ac_bael.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Bagel</div></a><a id="w-node-_4084b094-d615-162c-8840-7def640ebc71-15531d30" href="/nos-clients-restauration-collective" class="exp-inner-block clients-references w-inline-block"><div class="icon-navigation-wrapper"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/692ed7fbe242aadb6735f1b7_Icons_Coeur%202.avif" loading="lazy" alt="" class="icon-navigation exp"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6930217d709da9d7a7001536_Icons_Coeur%204.png" loading="lazy" alt="" class="icon-navigation exp abs-v2"></div><div>Nos références clients</div></a><a id="w-node-da608da4-b480-8830-c283-16a1013520c3-15531d30" href="/nos-clients-restauration-commerciale" class="exp-inner-block clients-references v2 w-inline-block"><div class="icon-navigation-wrapper"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/692ed7fbe242aadb6735f1b7_Icons_Coeur%202.avif" loading="lazy" alt="" class="icon-navigation exp"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6930217d709da9d7a7001536_Icons_Coeur%204.png" loading="lazy" alt="" class="icon-navigation exp abs-v2"></div><div>Nos références clients</div></a></div></nav></div></div><div class="nav-dropdown-wrapper-2 center-nav"><a href="/prix" class="w-inline-block"><div class="text-block-38">Prix</div></a><link rel="prerender" href="/prix"></div><div class="nav-dropdown-wrapper-2"><div data-hover="true" data-delay="0" class="nav-dropdown-2 navbar-entreprise w-dropdown"><div class="dropdown-toggle-nav-2 navbar-entreprise w-dropdown-toggle"><div class="text-block-42">Entreprise</div></div><nav class="dropdown-list-nav-2 navbar-entreprise w-dropdown-list"><div class="w-layout-grid nav-product-grid-2 nav-v-grid-2 entreprise"><a href="/vision" class="nav-link-with-icon prise-hover no-space w-inline-block"><div class="icon-link-nav entreprise v2"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/648dcae3052fafd80a76543f_Picto%20euro.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Qui sommes-nous ?</div><div class="nav-menu-text-2">L’humain avant tout</div></div></div></a><a href="/ia-au-coeur-de-la-vision-de-innovorder" class="nav-link-with-icon prise-hover no-space w-inline-block"><div class="icon-link-nav entreprise"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/68e928ed7881ae09b408add6_Icons_Ampoule%201.avif" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Innovorder et l’IA</div><div class="nav-menu-text-2">L&#x27;IA au cœur de notre vision</div></div></div></a><a href="/presse" class="nav-link-with-icon prise-hover no-space w-inline-block"><div class="icon-link-nav entreprise"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/649e9d68e4a96ea598d6006c_Picto%20presse%201.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Espace Presse</div><div class="nav-menu-text-2">Retrouvez toutes nos actualités</div></div></div></a><a href="https://careers.innovorder.com/" class="nav-link-with-icon encaissement-hover no-space w-inline-block"><div class="icon-link-nav entreprise"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/65bfca960a2749f520aad110_Picto%20Lecteur%20Badge.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Nous rejoindre</div><div class="nav-menu-text-2">Rejoignez une équipe passionnée</div></div></div></a><a href="/nous-contacter" class="nav-link-with-icon preparation-hover no-space w-inline-block"><div class="icon-link-nav entreprise"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6457c31711999f05f2899415_nous-contacted.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title">Nous contacter</div><div class="nav-menu-text-2">Innovorder vous accompagne</div></div></div></a></div></nav></div></div><div class="nav-dropdown-wrapper-2"><div data-hover="true" data-delay="0" class="nav-dropdown-2 navbar-entreprise w-dropdown"><div class="dropdown-toggle-nav-2 navbar-entreprise w-dropdown-toggle"><a href="/ressources" class="w-inline-block"><div class="navbar-link">Ressources</div></a></div><nav class="dropdown-list-nav-2 navbar-entreprise w-dropdown-list"><div class="w-layout-grid nav-product-grid-2 ressources-grid"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c9309100b-15531d30" class="ressources-nav-l"><div><strong>Innovorder lance sa plateforme de ressources !</strong></div><div class="ressources-nav-txt">Faites le plein d&#x27;infos pour lancer, gérer et développer votre restaurant !</div><div class="nav-title-arrow space"><a href="/ressources" class="w-inline-block"><div class="link-nav"><strong>Accéder à toutes les ressources</strong></div></a><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6457afdea27d219b01a4dfe1_arrow-nav.png" loading="lazy" alt="" class="img-arrow-nav"></div><div class="gradient-spacer menu ressources"></div><div class="grid-inner-ressources"><a href="/blog" class="nav-link-with-icon blog-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc597f2119fe66_les%20guides-icon.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Blog</strong></div><div class="nav-menu-text-2">Retrouvez nos meilleurs conseils pour gérer votre établissement</div></div></div></a><a href="https://www.innovorder.com/ressources/ebook" class="nav-link-with-icon livres-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/641cace739119c2a21804963_liver%20blanc%20-%20icon.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Livres blancs</strong></div><div class="nav-menu-text-2">Téléchargez nos guides et livres blancs pour booster votre activité</div></div></div></a><a href="/success-stories" class="nav-link-with-icon success-stories w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6496cdd7d19cdbecbb7e1a78_success-stories.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Success Stories</strong></div><div class="nav-menu-text-2">Inspirez-vous des témoignages de restaurateurs ambitieux</div></div></div></a><a href="https://podcast.ausha.co/innovorder" class="nav-link-with-icon podcasts-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59bb8a19fe6e_conseil-icon.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Podcasts</strong></div><div class="nav-menu-text-2">Ecoutez les histoires inspirantes de professionnels de la restauration</div></div></div></a><a href="/simulateur" class="nav-link-with-icon simulator-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/64f1c7ebb7bd18d4e0c4db66_simulateur.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Simulateur de rentabilité</strong></div><div class="nav-menu-text-2">Calculez la rentabilité des solutions Innovorder pour votre restaurant</div></div></div><div class="new-label white"><div>New</div></div></a><a href="/comparatif" class="nav-link-with-icon comparer-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6496ce214c1b19e55cc1684c_Picto%20comparateur%201.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Comparer Innovorder</strong></div><div class="nav-menu-text-2">Découvrez pourquoi Innovorder est la solution la plus adaptée à votre restaurant</div></div></div></a><a href="/ressources/webinars" class="nav-link-with-icon webinaries-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/641cad0b29da2fb95ca951e9_webinaires%20icon.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Webinaires</strong></div><div class="nav-menu-text-2">Visionnez les conférences organisées par Innovorder</div></div></div></a><a href="/faq" class="nav-link-with-icon faq-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59497c19fe5b_tendances-icon.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Centre d’aide/ FAQ</strong></div><div class="nav-menu-text-2">Trouvez toutes les réponses à vos questions</div></div></div></a><a href="/ressources/glossaire" class="nav-link-with-icon glossaire-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/641cacf77e86cd994a19b3c4_glossaire-icon.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Glossaire</strong></div><div class="nav-menu-text-2">Devenez incollable sur la transformation digitale de la restauration</div></div></div></a></div></div><a href="/ebook/ouvrir-son-fast-food-en-8-mois-le-guide-ultime" class="block-quote-success bchef w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203.png" loading="lazy" width="403" sizes="100vw" alt="" srcset="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203-p-500.png 500w, https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203-p-800.png 800w, https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203-p-1080.png 1080w, https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203.png 1170w"><div class="bchef-txt-nav">Ouvrir son fast-food en 8 mois : le guide ultime</div><div class="livres-blancs-nav"><div>Livres blancs<span class="innov-pink">.</span></div><div class="underline-content-type-grad"></div></div><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6418df12650d9714a7e8f9ad_new%20img.svg" loading="lazy" width="67" alt="" class="new-svg"></a></div></nav></div></div></div><div class="btns-wrap-nav"><a ph-button_name="mainCTA" href="https://meetings.hubspot.com/david-marn" target="_blank" class="button-icon-navbar _40px fr w-inline-block"><div>Prendre RDV</div></a></div><a ph-button_name="mainCTA" href="/nous-contacter" class="button-icon-navbar _40px w-inline-block"><div>Parler à un expert</div></a><link rel="prerender" href="/nous-contacter"></div><div class="w-layout-grid mobile-menu"><div class="w-layout-grid nav-grid-no-gap"><div class="mobile-navigation-main"><div data-w-id="7f17fd5a-2482-ebfb-f802-128c9309107d" class="dropdown-mobile solutions"><div class="main-title-nav">Solutions</div></div><div data-w-id="7f17fd5a-2482-ebfb-f802-128c93091080" class="dropdown-mobile expertites-1"><div class="main-title-nav">Expertises</div></div><a href="/prix" class="link-block-10 w-inline-block"><div class="dropdown-mobile"><div class="main-title-nav">Prix</div></div></a><div data-w-id="7f17fd5a-2482-ebfb-f802-128c93091087" class="dropdown-mobile entreprise-1"><div class="main-title-nav">Entreprise</div></div><div data-w-id="7f17fd5a-2482-ebfb-f802-128c9309108a" class="dropdown-mobile ressources-1"><div class="main-title-nav">Ressources</div></div></div><div class="bottom-menu-mobile main"><div class="menu-button-wrapper"><a href="/nous-contacter" class="button-icon-navbar w-inline-block"><div class="text-block-32">Parler à un expert</div></a><a ph-button_name="mainCTA" href="https://meetings.hubspot.com/david-marn" target="_blank" class="button-icon-navbar _40px fr w-inline-block"><div>Prendre RDV</div></a></div></div></div><div class="w-layout-grid grid-inner-link solutions"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c9309109d-15531d30" class="w-layout-grid nav-v-grid-2-column"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c9309109e-15531d30" class="column-nav-inner-wrap"><div class="upper-column-nav"><div class="go-back-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59d61d19fe05_icon.webp" loading="lazy" width="31" data-w-id="7f17fd5a-2482-ebfb-f802-128c930910a1" alt="" class="icon-back solution-1"><div class="main-title-nav">Solutions</div></div><div class="gradient-spacer main-title"></div></div><div class="column-nav"><div class="title-nav">Prise de commande</div><div class="gradient-spacer menu"></div></div><a href="/borne-de-commande" class="nav-link-with-icon prise-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59266619fe08_Borne%20de%20commande.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Borne de commande</div></a><a href="/scan-plateau" class="nav-link-with-icon relative prise-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59280e19fe15_Scan%20plateau.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Scan plateau IA</div><div class="new-label mobile _1"><div>New</div></div></a><a href="/commande-ligne" class="nav-link-with-icon prise-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59fd6419fe0f_Commande%20en%20ligne.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Commande en ligne</div></a><a href="/commande-a-table" class="nav-link-with-icon relative prise-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f3fcfc597cd819ffae_Commande%20%C3%A0%20table.webp" loading="lazy" width="26" sizes="(max-width: 991px) 100vw, (max-width: 1279px) 26px, (max-width: 1439px) 2vw, (max-width: 1919px) 26px, 1vw" alt="" srcset="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f3fcfc597cd819ffae_Commande%2520%25C3%25A0%2520table-p-500.png 500w, https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f3fcfc597cd819ffae_Commande%20%C3%A0%20table.webp 1250w" class="icon-navigation"><div class="nav-menu-title"><strong>Click &amp; Serve</strong></div><div class="new-label mobile _1"><div>New</div></div></a><a href="/frigo-connecte-entreprise" class="nav-link-with-icon prise-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc5919fc19fdf7_Frigo%20connect%C3%A9.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Frigo connecté</div></a><a href="/innovorder-foodcourt" class="nav-link-with-icon prise-hover relative w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/65bfcb6a02bd16dc44950608_065e8cdf795b125138eaf4af5f5b33a1_Frigo%20connecte%CC%81.png" loading="lazy" width="26" alt="" class="icon-navigation"><div class="rel-court"><div class="nav-menu-title">Innovorder Foodcourt</div></div><div class="new-label mobile _1"><div>New</div></div></a></div></div><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c930910c4-15531d30" class="w-layout-grid nav-v-grid-2-column"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c930910c5-15531d30" class="column-nav-inner-wrap"><div class="column-nav"><div class="title-nav">Encaissement</div><div class="gradient-spacer menu"></div></div><a href="/caisse-enregistreuse-tactile-restaurant" class="nav-link-with-icon encaissement-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc5984c219fe07_Portefeuille-2.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Caisse enregistreuse</div></a><a href="/monnayeur-automatique" class="nav-link-with-icon encaissement-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc595d7d19fe0b_Monnayeur.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Monnayeur automatique</div></a><a href="/portefeuille-electronique" class="nav-link-with-icon encaissement-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59572f19fe16_Portefeuille%20elec.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Portefeuille électronique</div></a><a href="/io-pay" class="nav-link-with-icon relative encaissement-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f3fcfc59536319ffaf_IOpay.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title bold">IO Pay</div><div class="new-label mobile _1"><div>New</div></div></a><a href="/tpe-restaurant" class="nav-link-with-icon relative encaissement-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/692ed70609f8edf0b0d2ff0b_Icons_NFC%201.avif" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title bold">TPE</div></a></div></div><div class="w-layout-grid nav-v-grid-2-column"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c930910de-15531d30" class="column-nav-inner-wrap"><div class="column-nav"><div class="title-nav">Préparation</div><div class="gradient-spacer menu"></div></div><a href="https://www.innovorder.com/ecran-cuisine-production" class="nav-link-with-icon preparation-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59591219fe0d_%C3%A9cran%20de%20production.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Écran de production</div></a><a href="/ecran-client" class="nav-link-with-icon preparation-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f3fcfc593cae19ff43_ecran-client.png" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title"><strong>Écran client</strong></div></a><a href="/reception" class="nav-link-with-icon preparation-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f3fcfc593a8019ff44_reception.png" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title"><strong>Réception</strong></div></a><div class="column-nav"><div class="title-nav">Pilotage</div><div class="gradient-spacer menu"></div></div><a href="https://innovorder.com/logiciel-caisse-restauration" class="nav-link-with-icon pilotage-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc5921d219fe4e_Backoffice.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Backoffice</div></a><a href="https://www.innovorder.com/programme-fidelite-restauration" class="nav-link-with-icon pilotage-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc595c5019fe54_Programme%20de%20fidelit%C3%A9.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title">Programme de fidélité</div></a><a href="/io-analytics" class="nav-link-with-icon pilotage-hover w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/65bfca2614cbc515b25b7b48_Picto%20Lecteur%20Badge.png" loading="lazy" width="26" alt="" class="icon-navigation"><div class="nav-menu-title"><strong>IO Analytics</strong></div></a></div></div><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93091102-15531d30" class="w-layout-grid nav-v-grid-2-column"><div class="new-solution-pop-up"><a href="#" id="w-node-_7d266de7-46e3-3e64-0ae1-8d4c6e3407d8-15531d30" class="w-inline-block w-lightbox"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67717dad31f20da28d8b70d2_63346942300af91169c24171_Chicken%20Village%201.avif" loading="lazy" alt="" class="img-lightbox"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6418df12650d9714a7e8f9ad_new%20img.svg" loading="lazy" alt="" class="new-label-solution"><script type="application/json" class="w-json">{
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class="button-icon-navbar w-inline-block"><div class="text-block-32">Parler à un expert</div></a></div><div class="phone---lang-wrap"><a href="tel:+33186954983" class="dropdown-toggle-nav-2 phone-mobile w-inline-block"><div class="nous-contacter-wrapper"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59315519fc7b_phone-icon.svg" alt="contact" class="social-icon"><div class="phone-contact-wrapper"><div class="nous-contacter-text">Nous contacter </div><div class="nous-contacter-number"><span class="gradient-text">+33 1 86 95 49 83</span></div></div></div></a></div></div></div><div class="w-layout-grid grid-inner-link expertises"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93091120-15531d30" class="w-layout-grid nav-v-grid-2-column"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93091121-15531d30" class="column-nav-inner-wrap"><div class="upper-column-nav"><div class="go-back-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59d61d19fe05_icon.webp" loading="lazy" width="31" data-w-id="7f17fd5a-2482-ebfb-f802-128c93091124" alt="" class="icon-back expertises-1"><div class="main-title-nav">Expertises</div></div><div class="gradient-spacer main-title"></div></div><div class="expertises-grid"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93091129-15531d30" class="block-1-ex"><div class="block-1-ex-upper"><div class="nav-title-arrow"><a href="/restauration-collective" class="link-nav">Restauration collective</a><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6457afdea27d219b01a4dfe1_arrow-nav.png" loading="lazy" alt="" class="img-arrow-nav"></div><div class="sub-nav-ex">Modernisez vos parcours convives et simplifiez la gestion de votre établissement.</div><div class="gradient-spacer-nav"></div><div class="gradient-spacer menu-mob"></div></div><div class="block-1-ex-low-grid"><a href="https://www.innovorder.com/restauration-collective/sante" class="exp-inner-block collective-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc5951ef19fef3_Sant%C3%A9.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Santé</div></a><a href="https://www.innovorder.com/restauration-collective/entreprise" class="exp-inner-block collective-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59bbdc19fef4_Entreprise.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Entreprise</div></a><a href="https://www.innovorder.com/restauration-collective/scolaire" class="exp-inner-block collective-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc5909e119fef5_Enseignement.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Enseignement</div></a><a href="https://www.innovorder.com/restauration-collective/administration" class="exp-inner-block collective-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59046519fefb_Administration.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Administration</div></a><a id="w-node-b6b9296a-bcc5-5944-adf8-07eed974d5ad-15531d30" href="/nos-clients-restauration-collective" class="exp-inner-block clients-references w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/692ed7fbe242aadb6735f1b7_Icons_Coeur%202.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Nos références clients</div></a></div></div><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93091144-15531d30" class="block-1-ex"><div class="block-1-ex-upper"><div class="nav-title-arrow"><a href="/restauration-commerciale" class="link-nav">Restauration commerciale</a><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6457afdea27d219b01a4dfe1_arrow-nav.png" loading="lazy" alt="" class="img-arrow-nav"></div><div class="sub-nav-ex">Boostez votre panier moyen, fluidifiez votre organisation et fidélisez vos clients.</div><div class="gradient-spacer-nav"></div><div class="gradient-spacer menu-mob"></div></div><div class="block-1-ex-low-grid"><a href="https://www.innovorder.com/restauration-commerciale/independant" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59e04d19fef6_Ind%C3%A9pendant.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Fast food</div></a><a href="https://www.innovorder.com/restauration-commerciale/food-court" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc593b1919fef7_Food%20Court.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Food court</div></a><a href="https://www.innovorder.com/restauration-commerciale/franchise" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59832f19fefa_Franchise.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Franchise</div></a><a href="https://www.innovorder.com/restauration-commerciale/dark-kitchen" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59b14519fef8_Dark%20Kitchen.webp" loading="lazy" alt="" class="icon-navigation exp"><div>Dark kitchen</div></a><a href="https://www.innovorder.com/restauration-commerciale/camping" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/68849a705a22d0de5eccfdc4_BOWLING.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Bowling</div></a><a href="https://www.innovorder.com/restauration-commerciale/espace-de-loisir" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/68849a6d6dec5df6f836a659_ESPACE%20DE%20LOISIR.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Espace de loisir</div></a><a href="https://www.innovorder.com/restauration-commerciale/parc-dattraction" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/68849a6d6e8226dcdd0aa7a6_PARC%20D%27ATTRACTION.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Parc d&#x27;attraction</div></a><a href="https://www.innovorder.com/restauration-commerciale/camping" class="exp-inner-block commerciale-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/68849a6e5c3bbaacad5dc651_CAMPING.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Camping</div></a><a id="w-node-_4a47e560-0659-dd0b-bb6d-d5c3e2494de0-15531d30" href="/nos-clients-restauration-commerciale" class="exp-inner-block clients-references v2 w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/692ed7fbe242aadb6735f1b7_Icons_Coeur%202.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Nos références clients</div></a></div></div><div class="block-1-ex"><div class="block-1-ex-upper"><div class="nav-title-arrow"><div class="link-nav no-hov"><strong>Spécialité</strong></div><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6457afdea27d219b01a4dfe1_arrow-nav.png" loading="lazy" alt="" class="img-arrow-nav"></div><div class="sub-nav-ex">Equipez votre point de vente avec un écosystème sur-mesure, adapté aux spécificités de votre activité.</div><div class="gradient-spacer-nav"></div><div class="gradient-spacer menu-mob"></div></div><div class="block-1-ex-low-grid"><a href="/burger" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82555a7785ee0abdf21_burger.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Burger</div></a><a href="/pizza" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82507dc7509ff60acd3_pizza.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Pizza</div></a><a href="/kebab" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce8253fcd6f165e232af1_kebab.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Kebab</div></a><a href="/sandwicherie" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82531802d2f9c28a652_sandwicherie.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Sandwicherie</div></a><a href="/tacos" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82552c6f3d520c4e731_tacos.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Tacos</div></a><a href="/bar-a-salade" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce825b0c58a4f5886b704_salade.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Bar à salade</div></a><a href="/bagel" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce825ebd368b7ef7582ac_bael.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Bagel</div></a><a href="/poke" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82531802d2f9c28a65c_poke.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Poké</div></a><a href="/glacier" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82594e850308d07c7cc_glacier.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Glacier</div></a><a href="/boulangerie" class="exp-inner-block specialite-hov w-inline-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/66cce82592b1fed4f753df0b_Boulangeri.avif" loading="lazy" alt="" class="icon-navigation exp"><div>Boulangerie</div></a></div></div></div></div></div><div class="bottom-menu-mobile"><div class="menu-button-wrapper"><a href="/nous-contacter" class="button-icon-navbar w-inline-block"><div class="text-block-32">Parler à un expert</div></a></div><div class="phone---lang-wrap"><a href="tel:+33186954983" class="dropdown-toggle-nav-2 phone-mobile w-inline-block"><div class="nous-contacter-wrapper"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59315519fc7b_phone-icon.svg" alt="contact" class="social-icon"><div class="phone-contact-wrapper"><div class="nous-contacter-text">Nous contacter </div><div class="nous-contacter-number"><span class="gradient-text">+33 1 86 95 49 83</span></div></div></div></a></div></div></div><div class="w-layout-grid grid-inner-link success-stories"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93091173-15531d30" class="w-layout-grid nav-v-grid-2-column"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c93091174-15531d30" class="column-nav-inner-wrap"><div class="upper-column-nav"><div class="go-back-block"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59d61d19fe05_icon.webp" loading="lazy" width="31" data-w-id="7f17fd5a-2482-ebfb-f802-128c93091177" alt="" class="icon-back"><div class="main-title-nav">Success stories</div></div><div class="gradient-spacer main-title"></div></div><div class="grid-success-stories"><div id="w-node-_7f17fd5a-2482-ebfb-f802-128c9309117c-15531d30" class="w-dyn-list"><div role="list" 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Le cas de Tranché</div><div class="success-story-cat-txt">Franchise</div></div></a></div><div role="listitem" class="w-dyn-item"><a href="/success-stories/italian-queen-innovorder" class="success-story-block-nav _3 w-inline-block"><img loading="lazy" alt="" src="https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/686635782cbce5a064ffd740_Miniature.png" sizes="100vw" srcset="https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/686635782cbce5a064ffd740_Miniature-p-500.png 500w, https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/686635782cbce5a064ffd740_Miniature.png 800w" class="success-story-nav-img"><div class="success-story-r"><div class="success-story-r-tit">Comment Italian Queen a augmenté son CA de 15%</div><div class="success-story-cat-txt">Franchise</div></div></a></div></div></div><a id="w-node-_7f17fd5a-2482-ebfb-f802-128c93091187-15531d30" href="/success-stories" class="see-more-btn mobile navbar w-inline-block"><div class="see-more-txt">Voir tout</div><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59c54e19fe51_Arrow.png" loading="lazy" width="16" alt="" class="arrow-img"></a><a href="https://www.innovorder.com/success-stories/what-the-foc-innovorder" class="block-quote-success w-inline-block"><div class="quote-success-top"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6457bd5df1b6f66c6db35f48_image-quote.png" loading="lazy" alt="nils edelman" class="img-quote-success"><div class="quote-txt-wrap"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59ba1619fe52_quote-marks.webp" loading="lazy" alt="" class="quote-mark-success"><div class="quote-text-success">Innovorder répond à notre enjeu de scalabilité : aller vite, traiter un grand volume de commandes et créer plusieurs points de vente.</div><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59ba1619fe52_quote-marks.webp" loading="lazy" alt="" 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w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/641cad0b29da2fb95ca951e9_webinaires%20icon.png" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Webinaires</strong></div><div class="nav-menu-text-2">Visionnez les conférences organisées par Innovorder</div></div></div></a><a href="https://podcast.ausha.co/innovorder" class="nav-link-with-icon podcasts-hover w-inline-block"><div class="icon-link-nav"><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc59bb8a19fe6e_conseil-icon.webp" loading="lazy" width="26" alt="" class="icon-navigation"><div><div class="nav-menu-title"><strong>Podcasts</strong></div><div class="nav-menu-text-2">Ecoutez les histoires inspirantes de professionnels de la restauration</div></div></div></a><a href="/success-stories" class="nav-link-with-icon success-stories w-inline-block"><div class="icon-link-nav"><img 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src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203.png" loading="lazy" width="360" sizes="(max-width: 991px) 100vw, 360px" alt="" srcset="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203-p-500.png 500w, https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203-p-800.png 800w, https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203-p-1080.png 1080w, https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/67c9fff522e23e9b7bf0e98e_3%20couvertures%20magazine%20supperpos%C3%A9s%203.png 1170w"><div class="bchef-txt-nav">Ouvrir son fast-food en 8 mois : le guide ultime</div><div class="livres-blancs-nav"><div>Livres blancs<span 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</style></div></div><div class="section-blog-post"><div class="container-1280"><div class="beadcrumbs-blog"><div class="bc-inner-1"><a href="/blog" class="breadcrumb-text desktop">Blog Innovorder</a><a href="/blog" class="breadcrumb-text mobile">Blog</a><div class="breadcrumb-separator-blog"></div><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><a href="/categories/ouvrir-restaurant" class="breadcrumb-text">Ouvrir ou reprendre son restaurant </a></div></div></div><div class="breadcrumb-separator-blog"></div></div><div class="bc-inner-2"><a href="/blog/frais-caches-des-prestataires-de-paiement-comment-les-eviter" aria-current="page" class="breadcrumb-text active-crumb w--current">Frais cachés des prestataires de paiement : comment les éviter ?</a></div></div><div class="current-post-image-wrap"><img src="https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/6852cbf28815148fcfe77df9_man-or-waiter-with-card-reader-and-customer-at-bar-2024-09-27-14-37-57-utc.jpg" loading="lazy" alt="" sizes="(max-width: 991px) 100vw, 1200px, 100vw" srcset="https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/6852cbf28815148fcfe77df9_man-or-waiter-with-card-reader-and-customer-at-bar-2024-09-27-14-37-57-utc-p-500.jpg 500w, https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/6852cbf28815148fcfe77df9_man-or-waiter-with-card-reader-and-customer-at-bar-2024-09-27-14-37-57-utc-p-800.jpg 800w, https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/6852cbf28815148fcfe77df9_man-or-waiter-with-card-reader-and-customer-at-bar-2024-09-27-14-37-57-utc-p-1080.jpg 1080w, https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/6852cbf28815148fcfe77df9_man-or-waiter-with-card-reader-and-customer-at-bar-2024-09-27-14-37-57-utc.jpg 1200w" class="current-post-image"></div><div class="category-time-read-wrap"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div class="category-name-current-post">Ouvrir ou reprendre son restaurant </div></div></div></div><div class="read-time-block"><div class="read-time-txt">4</div><div class="read-time-txt min">min</div><img src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/63f501f2fcfc597b5819ff10_readtime.png" loading="lazy" alt="" class="icon-read-time"></div></div><div class="gradient-spacer current-post"></div></div></div><div class="section-blog-text padding-0"><div class="container-1280"><h1 class="title-post">Frais cachés des prestataires de paiement : comment les éviter ?</h1><div class="grid-post-socials"><div class="grid-post-socials-1"><div class="author-post">Chloé Thévenet</div><div><div class="date-post-row"><div class="date-post">Mis à jour le :</div><div class="date-post-text" data-wg-notranslate="">18 December 2025</div></div></div></div><div class="grid-post-socials-2 desktop"><div class="right-head">Partager cet article</div><div class="socials-wrapper"><a href="https://www.instagram.com/innovorder/" target="_blank" class="ig-share w-inline-block"></a><a facebook-share="true" href="#" target="_blank" class="facebook-share w-inline-block"></a><a LI-share="true" href="#" target="_blank" class="li-share w-inline-block"></a><a twitter-share="true" href="#" target="_blank" class="twitter-share w-inline-block"></a></div></div></div><div class="grid-text-summary"><div id="content" class="rt-div w-node-_873a5ec1-7798-710e-1f4b-f737383554ad-6643cc01"><div fs-toc-element="contents" class="rt-blog w-richtext"><p>Si vous avez un terminal de paiement électronique dans votre restaurant, ce qui est probablement le cas, vous payez sûrement des commissions à un prestataire de paiement. Jusque-là, rien d’anormal. Mais entre ce qui est annoncé, ce qui vous est réellement facturé, il y a parfois un gouffre. Commissions, frais techniques, clauses écrites en petits caractères et options « incluses » qui ne le sont pas vraiment, connaissez-vous réellement le coût de votre TPE ?</p><p>Dans cet article, nous vous aidons à y voir clair : quels frais sont légitimes, lesquels sont abusifs ou flous, et surtout, comment éviter de payer plus que nécessaire.</p><p>‍</p><h2>Décrypter les frais d’un prestataire de paiement : structure, pièges et zones floues</h2><p>Avec plus de <a href="https://www.banque-france.fr/system/files/2024-09/OSMP-2023.pdf"><strong>6 paiements sur 10 effectués par carte</strong></a>, les commissions sur transactions deviennent l’un des premiers postes de frais invisibles. Mieux vaut donc comprendre ce qui se cache derrière chaque chiffre et pourcentage affichés par votre prestataire.</p><h3>Frais visibles sur un terminal de paiement : attention aux coûts mal compris</h3><p>Quand on signe avec un prestataire de paiement, les restaurateurs regardent en priorité <strong>la commission sur transaction</strong>, aux alentours de <a href="https://www.francenum.gouv.fr/guides-et-conseils/developpement-commercial/solutions-de-paiement/comment-choisir-son-terminal-de?utm_source=chatgpt.com">1,7 %</a> du montant encaissé via carte bancaire.</p><p>Mais attention, ce taux varie selon plusieurs critères : le type de carte (Visa, Mastercard, Amex…), le canal (sans contact, en ligne, QR code), ou encore le volume mensuel, incluant les ventes réalisées sur place, en livraison, en <a href="https://www.innovorder.com/blog/guide-click-and-collect-restaurant">Click and Collect</a>, etc. Méfiez-vous aussi de la mention « à partir de » qui peut cacher une tarification TPE pour restaurant peu avantageuse en dessous d’un certain seuil.</p><p>Autre point souvent négligé : les frais annexes. La location du terminal peut coûter entre 20 et 40 € par mois, y compris pour un appareil basique. Certains prestataires ajoutent également des frais d’installation, alors que vous pouvez l’installer vous-même. Et si votre chiffre d&#x27;affaires est faible pendant une période, gare au <strong>minimum mensuel de commission facturée</strong> : vous paierez quand même.</p><figure style="max-width:2080px" class="w-richtext-align-fullwidth w-richtext-figure-type-image"><a href="https://www.innovorder.com/tpe-restaurant" target="_blank" class="w-inline-block"><div><img src="https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/6943ba6e3b34b42619f6a59f_Bannie%CC%80re%20blog%20-%20TPE.png" loading="lazy" alt=""></div></a></figure><h3>Frais cachés d’un prestataire de paiement : ce que les CGV omettent</h3><p>C’est souvent dans les petites lignes que se cachent les mauvaises surprises. Certains<strong> frais </strong>ne figurent pas sur le devis commercial, mais dans les<strong> conditions générales de vente </strong>(CGV).</p><p>Par exemple, le support technique n’est pas toujours inclus : vous pourriez vous retrouver à payer 0,30 € par minute d’appel ou devoir souscrire un forfait mensuel. Autre point qui doit attirer votre attention : les frais de rétrofacturation en cas de litige avec un client. Dans certains cas, cela peut monter à 25 € par dossier, même si vous avez raison. À cela s’ajoutent parfois des frais de non-utilisation du TPE, oui, même si vous êtes fermé et des coûts de clôture anticipée du contrat.</p><h3>Coût réel d’un terminal de paiement électronique : faire les bons calculs</h3><p>Un TPE « gratuit », ça n’existe pas. Même les offres dites sans engagement incluent des frais fixes (comme la location ou la maintenance) et des frais variables (les fameuses commissions mentionnées ci-dessus). D’autres éléments tels que l’accès au portail commerçant ou les mises à jour sécuritaires, peuvent aussi être facturés.</p><p>Certains prestataires imposent un <strong>taux plancher</strong> ou un minimum de facturation, ce qui signifie que vous pouvez <strong>payer des frais même si vous n’avez eu aucune transaction</strong> ce mois-là. Un vrai piège pour les établissements saisonniers ou les restaurants ayant ouvert leurs portes récemment.</p><p>👉<strong>Pour aller plus loin</strong> : <a href="https://www.innovorder.com/io-pay">Simplifiez l’encaissement dans votre restaurant grâce à l’IO Pay</a></p><figure style="max-width:1040pxpx" class="w-richtext-align-fullwidth w-richtext-figure-type-image"><a href="https://www.innovorder.com/ebook/developper-son-fast-food-le-guide-ultime" target="_blank" class="w-inline-block"><div><img src="https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/67652a88164d1ee3a24ba5c1_Bannie%CC%80re%20Blog%20-%20guide%20ultime.png" loading="lazy" alt=""></div></a></figure><p>‍</p><h2>Lire entre les lignes : auditer un contrat de prestataire de paiement pour éviter les frais cachés</h2><p>Il est parfois tentant de lire un contrat de prestataire de paiement en diagonale puis de le signer dans la foulée. Pourtant, c’est souvent là que se cachent les mauvaises surprises. </p><h3>Clauses à examiner avant de signer (ou renégocier) un contrat de paiement</h3><p>Avant de signer, ou pour renégocier votre contrat avec un prestataire de paiement, certains éléments doivent être examinés à la loupe. Commencez par <strong>la durée d’engagement</strong> : elle est souvent de 24 à 36 mois. Vérifiez ensuite les frais de résiliation anticipés : ils peuvent dépasser les 150 €, sans parler des pénalités liées au retour du matériel.</p><p>Soyez aussi vigilant quant à<strong> l’indexation des tarifs</strong>. Certains contrats permettent une révision des taux, parfois sans notification claire. Enfin, exigez une simulation basée sur vos volumes réels d’encaissement, pas une simple estimation standard.</p><h3>4 signaux d’alerte sur une offre « trop belle pour être vraie »</h3><p>Des offres alléchantes vous font miroiter des commissions très basses, mais cachent souvent des contreparties : support externalisé, matériel imposé ou délais de versement très longs. Voici <strong>4 signaux qui doivent vous alerter</strong> :</p><ul role="list"><li><strong>Service client difficilement joignable</strong> : assistance externalisée, réponse lente, voire inexistante.<br><br></li><li><strong>Délai de versement supérieur à 5 jours ouvrés</strong> : impact direct sur votre trésorerie quotidienne.<br><br></li><li><strong>Matériel imposé, sans intégration possible avec votre caisse</strong> : perte de flexibilité et surcoût potentiel.<br><br></li><li><strong>Conditions générales de vente peu lisibles ou incomplètes</strong> : frais cachés très probables.<br><br></li></ul><p>Vous avez identifié l’un ou plusieurs de ces signaux ? <strong>Posez des questions, demandez des précisions et comparez</strong>. Et si les réponses ne vous satisfont pas, mieux vaut vous tourner vers un autre prestataire. </p><h3>Délai de versement, litiges, double facturation : des pièges qui plombent les marges</h3><p>C’est du vécu : des restaurateurs se sont vus attendre 7 à 10 jours pour recevoir leurs fonds, ont payé des frais de rétrofacturation en cas de client mécontent, ou pire à se sont retrouvés à payer une double facturation parce qu’ils avaient signé deux contrats qui se chevauchaient (banque + prestataire indépendant). </p><p>Tous ces imprévus pèsent lourd sur la trésorerie, compliquent la gestion quotidienne et rognent vos <a href="https://www.innovorder.com/blog/tout-comprendre-marge-et-ratios-restauration">marges</a>, souvent sans que vous compreniez d’où vient le problème. Être vigilant sur ces points, c’est prévenir des pertes qui peuvent facilement être évitées avec <strong>un bon audit de contrat.</strong></p><figure style="max-width:1200pxpx" class="w-richtext-align-fullwidth w-richtext-figure-type-image"><div><img src="https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/6852cbe4cdd17f4994eee3e2_brunette-caucasian-waitress-cashing-with-card-in-c-2024-12-10-02-27-30-utc.jpg" loading="lazy" alt=""></div></figure><h2>Négocier un contrat de paiement : astuces et leviers pour les restaurateurs</h2><p>Un contrat de paiement, ça se négocie et, en tant que restaurateur, vous avez plus de poids que vous ne le pensez, à condition d’activer les bons leviers, au bon moment.</p><h3>Quand renégocier avec son prestataire de paiement pour maximiser son pouvoir ?</h3><p>Trois moments stratégiques vous offrent un vrai <strong>pouvoir de négociation</strong>. Le premier, à la fin d’un engagement contractuel : vous êtes libre, donc plus fort. Le second, après 6 à 12 mois d’activité, car vous avez des chiffres à faire valoir. Le dernier, si vous ouvrez un deuxième point de vente, vous représentez un volume potentiel plus important : c’est l’occasion parfaite pour exiger mieux.</p><h3>Quels leviers de négociation fonctionnent vraiment ?</h3><p>Pour négocier un contrat à votre avantage, concentrez-vous sur ces trois points clés :</p><ul role="list"><li>Le <strong>volume d’encaissement</strong>, qui peut justifier une baisse des commissions,</li><li>L’<strong>engagement sur la durée</strong>, souvent récompensé par de meilleurs tarifs,</li><li>L’<strong>exclusivité</strong> (ou l’utilisation conjointe d’autres services comme la caisse), qui intéresse fortement les prestataires. </li></ul><p>Vous pouvez aussi choisir entre <strong>frais fixes ou variables</strong>, en fonction de votre modèle économique. Si vous avez un fort volume stable, un forfait fixe mensuel peut s’avérer plus rentable.</p><p>‍</p><h3>Quel acteur choisir : banque ou prestataire indépendant ?</h3><figure class="w-richtext-align-fullwidth w-richtext-figure-type-image"><div><img src="https://cdn.prod.website-files.com/63f501f2fcfc599ea419f99b/6852ca38a43f568a00c59172_Screenshot%202025-06-18%20at%2016.16.07.png" loading="lazy" alt="Tableau récapitulatif : banque ou prestataire"></div></figure><p>Les banques rassurent par leur solidité, mais leur tarification est souvent moins lisible. Les prestataires indépendants, eux, sont plus souples, mais nécessitent un peu plus de vigilance sur les conditions contractuelles. <strong>Faites jouer la concurrence</strong> et n’oubliez pas de demander un devis détaillé et chiffré.</p><p>👉 <strong>Pour aller plus loin </strong>: <a href="https://www.innovorder.com/blog/comment-choisir-son-logiciel-de-caisse-restaurant">Guide : choisir le meilleur logiciel de caisse pour votre restaurant</a> </p><p>Comprendre les frais liés à votre prestataire de paiement est un moyen de reprendre le contrôle sur une dépense souvent sous-estimée, mais qui pèse lourd sur vos marges. En prenant le temps d’analyser, de comparer et de négocier, vous sécurisez votre trésorerie sans sacrifier la qualité du service. Et à la fin, chaque euro économisé, est une opportunité en plus pour faire grandir votre établissement et le faire durer.</p><p>-</p><p>Envie d’optimiser vos coûts de paiement ? Découvrez comment <a href="https://www.innovorder.com/nous-contacter">Innovorder</a> peut vous accompagner concrètement.</p></div><a href="/nous-contacter" class="button-icon-navbar blog w-inline-block"><div>Contacter un expert</div></a><link rel="prerender" href="/nous-contacter"><a href="https://meetings.hubspot.com/martin-hernout/prendre-rdv" target="_blank" class="button-icon-navbar blog w-inline-block w-condition-invisible"><div>Prendre RDV</div></a><div class="w-condition-invisible"><div id="cta-1" class="section-20 bg-1"><div class="container-1280"><div class="cta-blog-flex"><img loading="lazy" src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6771690286aa61c0b533427e_christophe.avif" alt="Christophe Peinoche" class="cta-person-blog-img"><div class="cta-blog-content-wrap"><div class="cta-person-blog-name"><strong>Christophe Peinoche</strong></div><div class="cta-person-blog-position">Expert de la restauration collective</div><div class="cta-person-blog-quote">“Fort de 20 ans d’expérience au sein des plus grands groupes de la restauration collective, j’accompagne le secteur dans sa transformation digitale avec des solutions numériques innovantes.”</div><a id="christophe" href="/nous-contacter-rco?utm_medium=website&amp;utm_source=bandeau_blog&amp;utm_campaign=rdv_christophe" class="button-icon-navbar-4 blog-2 w-inline-block"><div>Prendre RDV avec Christophe</div></a></div></div></div></div><div id="cta-2" class="section-20 bg-2"><div class="container-1280"><div class="cta-blog-flex"><img loading="lazy" src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6771690286aa61c0b5334283_romain.avif" alt="Romain Vardon" class="cta-person-blog-img"><div class="cta-blog-content-wrap"><div class="cta-person-blog-name"><strong>Romain Vardon</strong></div><div class="cta-person-blog-position">Expert de la restauration collective</div><div class="cta-person-blog-quote">“Fort d&#x27;une solide expérience en développement de grands comptes, j’accompagne la transformation digitale du secteur de la restauration collective en proposant des solutions numériques innovantes pour optimiser les opérations.”</div><a id="romain" href="/nous-contacter-rco?utm_medium=website&amp;utm_source=bandeau_blog&amp;utm_campaign=rdv_romain" class="button-icon-navbar-4 blog-3 w-inline-block"><div>Prendre RDV avec Romain</div></a></div></div></div></div><div id="cta-3" class="section-20 bg-2"><div class="container-1280"><div class="cta-blog-flex"><img loading="lazy" src="https://cdn.prod.website-files.com/63f501f2fcfc59779719f99c/6771690286aa61c0b5334288_caroline.avif" alt="Caroline Motamedi" class="cta-person-blog-img"><div class="cta-blog-content-wrap"><div class="cta-person-blog-name"><strong>Caroline Motamedi</strong></div><div class="cta-person-blog-position">Experte de la restauration collective</div><div class="cta-person-blog-quote">“Après plusieurs années d’expérience dans un groupe majeur de la restauration collective, j’accompagne les grands comptes dans l&#x27;optimisation de leurs opérations et leur transformation digitale.”</div><a id="caroline" href="/nous-contacter-rco?utm_medium=website&amp;utm_source=bandeau_blog&amp;utm_campaign=rdv_caroline" class="button-icon-navbar-4 blog-4 w-inline-block"><div>Prendre RDV avec Caroline</div></a></div></div></div></div></div></div><div id="w-node-_3bc63e18-8699-a43c-3186-bc115d1266da-6643cc01" class="right-summary-div"><div class="summary-sticky"><div class="right-head toc">Sommaire</div><div id="toc" class="toc"><a href="#" fs-toc-element="link" class="tocitem">This is also a heading<br></a><div id="toc" class="toc"></div></div></div></div></div></div></div><div class="section-blog-text"><div class="container-1280"><div class="grid-text-summary"><div class="grid-post-socials-2 mobile"><div class="right-head">Partager cet article</div><div class="socials-wrapper"><a href="https://www.instagram.com/innovorder/" target="_blank" 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