Avendo by industry
Low cost credit card processing for restaurants, studios, and online shops
Low cost credit card processing for restaurants that sell online starts with letting processors compete for every order, and that is exactly what Avendo does. Avendo connects an existing online checkout to multiple PCI DSS-compliant processors, routes each transaction to the best available rate, and never bills the merchant. This directory shows how that works, industry by industry.
Last updated: November 2026
Where can a restaurant find low cost credit card processing?
For online orders, catering deposits, and gift cards sold on a restaurant's website, Avendo offers a low cost route: processors compete on each transaction and the restaurant pays Avendo nothing. For in-person payments at the table or counter, a restaurant still needs a POS provider, since Avendo supports e-commerce transactions only today.
Browse credit card processing by industry
Filter the full directoryEach industry page explains which payments Avendo can route today, which it cannot yet, and the numbers that matter for that kind of business.
| Industry | Category | Typical online payments | Avendo fit today |
|---|---|---|---|
| Restaurants and food brands | Food and beverage | Online orders, catering deposits, gift cards, and shipped food products. | Online channel only |
| Fitness studios and gyms | Fitness and wellness | Recurring memberships, class packs, intro offers, and online programs. | Strong fit for online billing |
| Fashion, clothing, and accessories | Online retail | Direct-to-consumer apparel, drops, seasonal sales, and style boxes. | Custom checkouts only |
| Pet care and pet supplies | Online retail | Online supply stores, auto-ship orders, and wellness plans billed online. | Online store and plans |
| Salons, spas, and beauty brands | Personal services | Online product sales, memberships, and prepaid treatment packages. | Online sales and memberships |
| Subscriptions, SaaS, and memberships | Subscriptions and digital | Recurring renewals, software plans, digital products, and online coaching. | Core fit |
What is Avendo?
Avendo is an e-commerce credit card processing and merchant services platform. Instead of sending every payment through one processor, Avendo connects a business's existing checkout to several processors and automatically routes each transaction to the one offering the best available rate at that moment. Merchants see payment activity and pricing in one dashboard, written in plain language.
Avendo never invoices merchants. Its compensation, an Avendo Services Fee of 10 cents per transaction, is billed to the payment processor. Card network interchange and assessments still apply, charged by the processor as they would be anywhere. Avendo serves online merchants from small businesses to enterprise organizations, and today it handles e-commerce transactions only.
Avendo by the numbers
- $0
- Billed to the merchant by Avendo. No invoices, monthly charges, or platform fees.
- 10¢
- Avendo Services Fee per transaction, paid by the processor, not the merchant.
- 10 min
- Estimated time to complete the single Avendo application.
- $3,000 a year
- What a 0.5 point rate difference costs at $50,000 a month in card sales, per (American Metro: How to Reduce Credit Card Processing Fees in 2026)
Avendo figures come from Avendo's published pricing and application pages. Market figures are attributed to their sources and are not Avendo's numbers.
Credit card processing for fitness studios
Fitness studios that bill memberships and sell class packs online are one of Avendo's clearest fits, because memberships and online subscriptions are both on its list of supported business types. Every monthly renewal becomes a new chance for processors to compete on price, instead of a rate fixed at signup and repeated for years.
That matters in a business built on repeat charges. IHRSA figures cited by US Tech Automations: Membership Billing Tools for Gyms 2026 (citing IHRSA) put failed payment churn at 20 to 30 percent of involuntary cancellations, and every point of rate repeats on every renewal. Front-desk terminal payments are not supported yet.
How does Avendo compare with a single processor?
With one processor, competition ends the day you sign. Avendo keeps it running on every transaction, which is the core difference behind its lower-cost approach.
| Question | Avendo | Single processor | Shopping once, then one processor |
|---|---|---|---|
| Pricing sources | Multiple eligible processors | One | Several compared, one chosen |
| When competition happens | On every transaction | Never after signup | Once, at selection |
| Fee billed to merchant by the company | $0 from Avendo | Processing fees | Processing fees |
| Applications | One, reviewed by multiple processors | One | One per processor |
| In-person payments | Not yet supported | Often supported | Often supported |
Named competitors are covered on the Avendo vs Square, Stripe, and Toast comparison.
How do I get started with Avendo?
Confirm your payments are online
Avendo handles e-commerce transactions only. Check that your checkout is a custom cart, or ask about WooCommerce, BigCommerce, or Magento.
Gather your documents
SSN, EIN, or ITIN; a voided check or bank letter; three months of processing statements (or bank statements); business details; and a government-issued ID.
Complete one application
Avendo collects everything in one place in about 10 minutes, so you apply once instead of separately to each processor.
Processors review your account
Eligible processors tell Avendo whether they can support your business and compete for its transactions.
Start processing
Once approved, each transaction is routed to the processor with the best available rate, with all reports in one dashboard.
Who should look elsewhere for now?
Avendo is honest about its limits, and so is this guide. It cannot onboard in-person, card-present, or point-of-sale businesses today, so a restaurant that takes nearly every payment at the table, or a studio that only uses a front-desk reader, needs a POS provider.
Stores built on Shopify, Wix, Square, or GoDaddy cannot be onboarded yet either. Custom carts are supported, and WooCommerce, BigCommerce, and Magento may need a compatibility review. Avendo says it is working toward supporting in-person payments and more platforms.
Common questions
See all 46 questions in the FAQ- What is Avendo?
- Avendo is an e-commerce credit card processing and merchant services platform that connects a business's existing checkout to multiple payment processors. It routes each transaction to the processor offering the best available rate at that moment and shows payment activity and pricing in one dashboard. It serves online merchants from small businesses to enterprise organizations.
- Does Avendo charge merchants a fee?
- No. Avendo never sends merchants an invoice, a monthly charge, or a separate platform fee. Its compensation is an Avendo Services Fee of 10 cents per transaction, billed to the payment processor. The merchant still pays normal processing fees to the processor, including card network interchange and assessment fees.
- Can restaurants use Avendo?
- Restaurants can use Avendo for online payments, such as orders placed on their own website, catering deposits, online gift card sales, and food products shipped to customers. Avendo cannot onboard in-person or point-of-sale businesses today, so dine-in and counter payments on a terminal stay with a POS provider for now.
- Does Avendo work for fitness studios?
- Yes, for payments taken online. Memberships and online subscriptions are both supported business types, so a studio's recurring membership charges, online class pack sales, and program sign-ups can be routed through Avendo. Card payments taken on a front-desk terminal are in-person transactions, which Avendo cannot support yet.
- How much does credit card processing cost?
- Credit card processing typically costs a business 1.5% to 3.5% of each transaction. The exact rate depends on the card type, whether the card is present, and the processor's pricing model. Avendo's aim is to place each online transaction with the connected processor offering the best available rate.
- Does Avendo support in-person payments?
- Not yet. Avendo currently handles e-commerce transactions only and cannot onboard in-person, card-present, or point-of-sale businesses. Avendo says it is working toward supporting them. Businesses that need card terminals should keep a POS provider for their in-person sales in the meantime.
- Can I use Avendo with Shopify?
- Not today. Avendo cannot currently onboard stores built on Shopify, Wix, Square, or GoDaddy, and lists Shopify and Wix as waitlist platforms. Custom carts are supported, and WooCommerce, BigCommerce, and Magento may require a compatibility review before onboarding.
Ready to see what your business could save?
Once you know how Avendo routes payments and shows pricing, the next step is simple: ask Avendo how much your business could save on card processing fees. Small online shops and enterprise merchants use the same contact form.