Transparent Pricing
Transparent Pricing That Saves You Money
Lower processing fees + affordable loyalty = more profit in your pocket.
Payment Processing Fees Breakdown
Square / Toast / Clover
2.6%
+
15¢
per transaction
On a typical $7 latte:
Percentage fee (2.6%):
$0.18
Fixed fee:
$0.15
Total per transaction:
$0.33
Effective rate: 4.7%
That 15¢ fee is over 2% on small tickets!
On $50,000/month:
$2,371/month
Based on $7 avg ticket (7,143 transactions)
Save Every Transaction
joe
2.75%
Flat rate
No per-transaction fees
On a typical $7 latte:
Percentage fee (2.75%):
$0.19
Fixed fee:
$0.00
Total per transaction:
$0.19
Effective rate: 2.75%
💰 Save $0.14 per transaction
On $50,000/month:
$1,375/month
That's it. No hidden fees.
💰 Save $996/month = $11,952/year
That 15¢ per-transaction fee adds up fast:
7,143 transactions × $0.14 saved = $1,000/month = $12,000/year
On smaller tickets, their fixed fees hurt you way more than the percentage difference
Calculate Your Total Savings
See your true costs when you factor in processing fees, per-transaction costs, loyalty programs, and subscription fees
POS, loyalty, payroll software, etc.
Square/Toast/Clover
Processing fees
$0
Loyalty costs (8-10%)
$0
Subscription fees
$0
Total monthly cost
$0
0% effective rate
SAVE
Processing fees
$0
Loyalty (true cost ~1%)
$0
Subscription fees
$0
Total monthly cost
$0
0% effective rate
Total savings with joe
$0 per month
$0 saved per year
Processing: $0
Loyalty: $0
Loyalty Program Costs
Traditional Punch Cards
10%
Of revenue in redemptions
- ❌ No digital tracking
- ❌ No customer data
- ❌ No marketing tools
- ❌ Buy 10 get 1 free = 10% cost
- ❌ You pay for all free drinks
On $50,000/month revenue:
$5,000/month in giveaways
Square/Toast Loyalty
8-10%
In redemptions + monthly fees
- ⚠️ $45-$100/month software fee
- ⚠️ Limited to your shop only
- ⚠️ Low engagement (20-30%)
- ⚠️ You pay for all redemptions
- ⚠️ You eat all promo & discount costs
On $50,000/month revenue:
$4,000-5,000/month cost
Best Value
joe Loyalty
~1%*
True cost after we cover redemptions
- ✓ Network-powered (3x engagement)
- ✓ Works across all Collective shops
- ✓ Built-in customer acquisition
- ✓ We pay for redemptions & promos
- ✓ 41x ROI proven results
How it works:
We charge 5% but cover ~4% in redemptions, promos & discounts for you.
Your true cost: ~$500/month
💰 Save $3,500-4,500/month vs alternatives
Your true cost: ~$500/month
💰 Save $3,500-4,500/month vs alternatives
*Effective cost varies by shop. 5% nominal rate minus our funded redemptions/promos