If you run a bar or restaurant in Europe, you’re not just serving food and drinks; you’re bleeding margin every time someone taps a card!
You probably don’t even realize it anymore. It feels “normal.”
But on every single payment, 1.5% to 3% of your revenue disappears.
Let’s break that down:
EU laws cap card interchange fees at 0.2–0.3%, but that’s just the tip of the iceberg.
Add scheme fees, acquirer fees, POS subscriptions, PCI compliance, and chargeback risk and the real cost lands between 1.3% and 2.9%.
And yes, it can go higher for Amex, business cards, or international payments.
That’s €0.50 gone on every €20 bill, while you’re the one buying stock, paying staff, sweating the rent.
And for what?
To get your money 2–3 days later?
To live at the mercy of chargebacks you can’t fight?
Now imagine this instead:
- Customer pays with Hive or Bitcoin Lightning
- You get the full amount, instantly
- No network fees. No middlemen. No delays.
Just real money, in your wallet, right away.
That’s what we offer with Innopay, already live at AL21 and Indies in Luxembourg.
And here’s the kicker:
Pair it with Distriator, and customers get up to 40% cashback on Hive/Lightning payments.
They win. You win.
In a sector where profit margins are often just 5–10%, those 2–3% saved per payment can decide whether you make it or shut down.
It’s not a gimmick. It’s the future.
And it’s happening now, under your nose.
You don’t need permission from Visa.
You don’t need to wait for your bank.
You just need to want something better.
DM us if you’re ready to stop leaking money and start building freedom.
Luxembourg is waking up, and we’re just getting started 🧡
