Payments
All tiersCards, Apple Pay, MobilePay and lunch benefits — on your terminal or ours, or none at all. Funds settle to your IBAN.
Pisteo runs on Stripe Connect Express — you're the merchant of record and funds settle straight to your IBAN, with Pisteo's fee deducted before settlement so you never see us touch the money. And Pisteo doesn't lock you into hardware: keep the card machine you already have, add a Stripe Terminal for in-person cards, or go terminal-free and let guests pay on their phones. Every rail reconciles into one set of books.
What's included
Your terminal or ours
Keep your existing card machine — cards and lunch cards keep working exactly as they do today — add a Stripe Terminal from us, or run terminal-free with QR checkout. Pisteo records and reconciles every rail, so your books stay in one place whatever hardware you use.
Lunch benefits, built in
Finland's lunch-benefit users are most of the weekday lunch crowd. Keep accepting Edenred and ePassi the way you already do — your diners pay their lunch benefit on your terminal, and Pisteo records and reconciles it alongside cards and cash. Direct in-app benefit payment, so guests pay their lunch benefit right in the Pisteo checkout, is rolling out next.
Hybrid payment mode
Per-restaurant toggle: Required, Preferred (default), or Off. Run Pisteo for ordering only and graduate to in-app payment when you're ready.
Split bill at checkout
Diner can split equally (1–6 shares) or pick individual items to pay for. Solves the most painful five minutes of any group meal.
Tipping
Three presets + custom. Available only when in-app payment is on. Roll-up reported separately to the bill.
Refunds + partial refunds
One-click refund from the admin orders board. Stripe handles the fund return automatically.
Reporting + VAT split
Monthly CSV combines in-app and cashier flows, line-item with correct Finnish VAT (13.5% food / 25.5% alcohol).
Related
QR-to-table ordering
Diners scan, order, and pay from their own phone. No app, no login, no waiting.
Self-checkout kiosks
Mount a tablet at the counter. Guests order and pay themselves. One tablet replaces one register.
Web takeaway
Capture takeaway revenue without the Wolt commission. Your URL, your brand, your guest.
See Pisteo with your menu.
Book a 20-minute demo. We import your menu first so you see it on a guest’s phone.