How PayWithZest Works
A secure, ACH-first payment system that reduces fees and improves customer retention for restaurants.
How the Payment Flow Works
From restaurant sign-up to customer checkout to settlement.
Restaurant Signs Up
Create your account, complete KYC verification through Stripe Connect, and get your unique QR code for table payments.
Customer Links Their Bank
Diners connect their bank account through Plaid — the same trusted technology used by Venmo and Coinbase. No raw credentials are ever stored.
Wallet Funds via ACH
Customers top up their Zest wallet using low-cost ACH transfers instead of expensive credit card rails. More savings for everyone.
Scan & Pay at the Table
Diner scans the restaurant QR code, selects their discount, and pays from their wallet in seconds. Restaurant controls the discount percentage.
Automatic Settlement
Funds settle directly to your restaurant bank account. Full dashboard with analytics, fee breakdowns, and settlement tracking.
Security & Contingencies
Defense-in-depth at every layer of the stack.
Restaurant Fee Savings
See exactly how much restaurants save vs. traditional credit card processing.
Restaurants control their discount percentage. Higher discounts drive more wallet adoption.
Product Surfaces
Every touchpoint of PayWithZest, built for restaurants and their diners.
Mobile Wallet App
/walletLink your bank, fund your wallet, and pay at any participating restaurant with a QR scan.
Restaurant Portal
/restaurant/dashboardSales analytics, fee savings overview, settlement tracking, and QR code management.
Customer Dashboard
/customer/dashboardTransaction history, linked bank accounts, and total savings across all restaurants.
How It Works
/how-it-worksUnderstand the ACH-first flow, fee structure, and security architecture.
Ready to get started?
Join the future of restaurant payments.