A flat illustration of a sunny Main Street: a row of small-business storefronts under a clear blue sky.

Smarter decisions for your small business

A purpose-built community for Bay Area operators to make smarter decisions together.

ThreadsAsk operators who've handled it

Payment processing

Has anyone renegotiated their processing rate?

Demo profile portrait for Jordan B.

Jordan B. Restaurant owner · 11 years

We called just before renewal and asked for a volume rate. They brought us down to 2.4%.

Mainstep Elder profiles featuring Karen W. of Harborview Restaurant & Bar, Patti Mangan of Imagine That, and Juan Cendejas of Molcajete

EldersTalk it through with an experienced owner

InsightsSee how your business compares

What do you pay for card processing?

Your rate2% to 2.49%

17 Bay Area restaurants answered

Under 2%18%
2% to 2.49%43%
2.5% to 2.99%28%
3% or more11%

Bay Area businesses are already
joining Mainstep

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Hong Kong-style restaurant

Have deep small business industry experience? Newer operators are already looking for you.

"Elder" is a term of respect. It describes members whose years running a small business give them wisdom worth sharing with our community.

We want to know how you found the right menu mix. How you handled your last lease renewal. What you negotiated with your POS vendor.

As a Mainstep Elder, you take 30-minute 1:1 calls with newer operators. Set your own rate, or do it for free.

How Mainstep works

Can I post anonymously?

Yes. Your identity is shown by default, but you can post anonymously when you need to.

Who else is on the platform?

Mainstep is for verified small business owners and operators.

What's the difference between a Member and an Elder?

Everyone asks and answers. Elders are experienced owners who share their wisdom with the community and can offer 1:1 calls.

What's the time commitment?

Post when you've got a question or something to share. For Elders: you set your own availability for advisory calls.

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