Processing Volume Control Alert
Enter total restaurant sales below to see how much volume may be flowing outside the main merchant account.
Overview
Total Monthly Platform Cost
—
— / yr
SaaS Subscription Cost
—
— / yr
Processing Cost
—
Effective rate: —
Break-Even Sales Needed
—
To cover SaaS at selected margin
Section 1 — Monthly Subscription
Owner.com Monthly Subscription
| Fee per location | — |
| Monthly subscription cost | — |
| Annual subscription cost | — |
Break-Even Sales Required
How much monthly online revenue is needed just to cover the subscription cost?
| Monthly subscription cost | — |
| Profit margin selected | — |
| Break-even online sales needed | — |
At 10% margin: $499 subscription requires $4,990 in monthly online sales just to break even on the software cost alone.
Section 2 — Processing Cost
Owner.com Online Order Processing
Processing Cost — Step by Step
Owner.com charges a percentage of total online sales plus a flat fee on every single order. These are two separate charges that get added together each month.
| Online sales × rate = | — |
| Orders × flat fee = | — |
| Step 1 + Step 2 = Total monthly processing | — |
| What percent of online sales does this represent? | — |
| Annual processing cost (× 12) | — |
Section 3 — Customer Friction
Guest-Paid Owner Fee
Owner.com charges guests a 5% fee per transaction on subtotals up to $150. This is paid by the customer at checkout — not the restaurant. However, it can reduce conversion rates and repeat order frequency when customers notice it.
Estimated Guest-Paid Fee / Month
—
Estimated friction at customer checkout
This does not come out of the restaurant's pocket directly. But customers comparing platforms will notice a 5% add-on at checkout — and some will abandon or not return.
Section 4 — Total Visible Cost
"More sales do not always mean more profit."
Third-Party Marketplace Costs (Optional)
Owner.com can display DoorDash and Uber Eats orders in the dashboard, but those platforms charge their own commissions under separate agreements.
Total Cost Summary
| Subscription cost | — |
| Processing cost | — |
| DoorDash commission | — |
| Uber Eats commission | — |
| Guest-paid friction (informational) | — |
| Total monthly platform cost | — |
Annual total: —
Section 5 — Internal Sales Mode Only
Processing Volume Control Analysis
Online orders processed through Owner.com route through Stripe — not the restaurant's main merchant account. This reduces the owner's ability to control processing cost, leverage volume for better rates, or consolidate monthly statements.
Owner.com Share of All Sales
Main Account Share
Volume Outside Main Account / Mo
—
Annual Volume Outside Main Account
—
Section 6 — Side-by-Side Comparison
Alternative Processing Inputs
BMC / LRO Partner Model Inputs
Option A
Current Owner.com Setup
Subscription fee—
Processing cost—
Guest-paid friction—
Third-party commissions—
Monthly total
—
Option B
Standard Merchant Processing
Subscription fee—
Processing cost—
Guest-paid friction$0.00
Third-party commissions—
Monthly total
—
Option C
BMC / LRO Partner Review Model
A partner review identifies whether software, processing, marketing, and ordering costs are working together — or working against profit.
Estimated monthly savings—
Estimated annual savings—
Marketing value included—
Does the software pay for itself?—
Break-even (months)
—
Section 8 — Visual Analysis
Monthly Cost Breakdown
Sales Distribution by Channel
Section 9 — Plain-English Summary
Analysis Output
Complete the inputs above to generate your summary.
Effective Rate
—
Total Monthly Cost
—
Total Annual Cost
—
SaaS Break-Even Sales
—
Owner.com Share of Sales
Est. Guest-Paid Friction
—
Disclaimer: This calculator is for educational and internal sales analysis only. Actual fees, processor routing, card mix, subscription terms, and marketplace costs vary by restaurant and agreement. Review actual statements and platform reports before making financial decisions. Owner.com rates and terms are subject to change. Third-party marketplace commissions vary by agreement.