The operating cash
platform for restaurants

From sales to profit - Tab is a single place for restaurants to manage cash & control spending across every location.
Enhance financial security, simplify expenses, save time, and increase profitability, all while Tab pays for itself.

Open up to 100 virtual operating accounts
Link primary bank accounts & POS systems
Manage cash with instant internal transfers
Issue corporate cards with custom controls
Pay vendors by direct debit & same-day ACH
Earn 2% APY on cash & 1% on card spend
Automate receipts & expense reports
Sync to accounting systems in real-time

Get fully set up in just 30 minutes. No personal guarantees or credit checks required.

7%+
Avg. savings1 on
total costs
90%
Avg. reduction1 in
reconciliation work

Restaurant spending is chaotic & risky.
Tab makes it simple & secure.

With over 50% of sales quickly going out the door to dozens of vendors at each location, and a scattered network of bank accounts, corporate cards and AP workflows - restaurant cash flows are incredibly difficult to control and software-only solutions aren't cutting it.

Tab unifies financial products with powerful software to unlock a whole new level of security, simplicity, and control over the chaos. It's all built from the ground up just for CFOs and finance teams at fast-growing restaurant groups.

Gain financial security

Isolate the chaos of spending away from primary bank accounts with virtual operating accounts that control spend before and after it occurs

Simplify cash management & expenses

Unify all expense payment methods into one place and easily manage cash flow across the business with instant transfers

Control vendor direct debits

Get a unique account & routing number with each operating account, providing more control over vendor auto payments

Pay vendors fast & securely

Pay vendors with corporate cards and earn 1% cash back or send a same-day ACH at no cost

A platform that pays for itself

Earn 2% yield on cash & 1% cash back on card - quickly making the platform a profit center

Automate costly manual work

Automate payment-invoice matching and sync to accounting systems in real-time

How virtual operating accounts work

Getting fully set up with Tab virtual operating accounts takes just 30 minutes

1
Complete onboarding

We securely collect business information, link primary bank accounts, link accounting systems, invite your team, and walk through the platform.

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2
Open your operating accounts

With a single click, open an account with unique account & routing numbers that can be provided to vendors and linked to AP, payroll, and POS systems.

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3
Set up account funding

Set up auto-funding to maintain a minimum balance in the account, typically 1-2 weeks worth of expenses. You can also fund it via sales payouts from your POS into the account.

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4
Issue corporate cards

Easily create cards and assign them to a vendor, an employee and a location. Set custom limits and start automatically reconciling receipts.

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5
Onboard your spending

Easily migrate expense payments via card, direct debit, and ACH to your new operating accounts. Transactions are verified in real-time and flow right into your accounting software.

Get Started

Built for restaurants

of all types

Tab works for restaurants of all types & sizes

Tab enables multi-unit restaurant groups to seamlessly segregate and control spending at scale. A single place for all location-level operating accounts, cards, accounting automations, and more.

Sync transactions to multiple QBO accounts
Segregate & manage 2-100s of locations in one place
Isolate cards, spending, and staff for each location
Automatically reconcile card transactions with invoices & receipts
Monitor group-wide spend in real-time

Tab works with franchise restaurant groups to both enhance corporate-level spending and enhance the franchisee experience with branded cards.

Seamlessly manage corporate-level spending across all staff
Empower franchisees with corporate cards & powerful spend control tools
Gain a new revenue stream & offer franchisees cash back
Enable franchisees to automate costly back office work

Unlock unlimited 1% cash back on all spending with Tab corporate cards, eliminate painful manual back-office work, and gain control + visibility.

Unlimited 1% cash back on all purchases using the cards
Eliminate overspending & fraud with employee cards for business spend
Streamline back-office work with accounting integrations

Enterprise restaurant groups work with Tab across a suite of products from corporate cards, back-office automation, internal money movement & treasury, and much more. Get in touch to learn more.

Issue & manage unlimited physical & virtual corporate cards
Automatically reconcile card transactions with invoices & receipts
Manage corporate, restaurant & employee level spending
Gain unprecedented control & real-time visibility over group-wide spending

We love the restaurant industry

Our team grew up in the restaurant industry, working every job from dishwasher and server to controller and owner. We've built our platform from the ground up right alongside our restaurant partners.

$35,000+

Average annual savings on total costs with Tab3

3 Minutes

Typical human response time to customer support inquiries

7%

Average annual savings on total costs with Tab1

25

Hours of manual back-office work saved per month per location2

questions & answers

Frequently Asked Questions

Who is Tab Commerce?

Tab Commerce is a financial technology company providing the most secure way for restaurants to spend money. Get virtual operating accounts, modern corporate cards, and more - all secured with our payment verification.

What are virtual operating accounts?

Virtual operating accounts are business checking accounts but used specifically for the chaos of spending and operations. Virtual operating accounts isolate this chaos away from your primary bank, increasing security, simplifying expenses, and providing access to powerful embedded products to control spending and automate back office work.

Can virtual operating accounts hold a balance?

Yes, you can hold a balance in the virtual operating accounts. Funds in the account will earn 2% APY, calculated daily and paid monthly.

Are these accounts FDIC eligible?

Yes, accounts are eligible for FDIC insurance up to $250,000.

How can I fund my virtual operating accounts?

You can easily link your primary bank accounts and set up auto-funding to maintain a minimum balance. You can also receives sales payouts from your POS or delivery apps into the accounts via our Deposit Management product.

What is revenue management?

Each virtual operating account is equipped to receive daily revenue deposits from POS and other revenue systems. Once deposited, funds automatically start earning 2% yield, can be used for expense payments via cards, direct debit, or same-day ACH, moved internally instantly and for free, and excess cash can automatically be sent to a connect ed primary bank account.

This makes it incredibly easy for restaurants to manage cash flow alongside powerful tools to optimize sales, control costs, and get real-time cash flow visibility across every location in real-time.

How can I move vendor direct debits (auto-payments) to this account?

Simply provide your virtual operating accounts routing & account number to your vendor, they'll do the rest.

How else can I pay vendors with Tab?

With just 2-clicks, you can send a same-day ACH to any of your vendors. You can also pay with Tab corporate cards.

How does the Tab Corporate Card work?

Get started in minutes with no credit checks or personal liability. The Tab Card works just like any other corporate card but with the benefits of powerful spend control software built just for restaurants.

Where can I use Tab Cards?

Anywhere that Visa is accepted (most places). Most restaurant vendors accept cards, but some might only be available upon request.

Can I add my team to Tab?

You can create as many users as you would like. You can have Admins who can do everything across all locations and Employees who can only see the cards that you have assigned them. Managing this is incredibly easy from within the Tab Platform.

What do I do with my current bank accounts?

Keep your primary bank account, and link it right into Tab. It's good to separate the chaos of spending and operations away from where your savings and the bulk of your cash sits.

How can I connect my POS & payroll systems?

Each virtual operating account has a unique account & routing number. This information can easily be inputted into your POS, delivery apps, payroll systems, and any other revenue or expense source.

What are the limits on the card?

Tab corporate cards are secured, meaning the only limit is the amount of cash you have in the operating account associated with the card. Cash must be loaded into the account before a card transaction can occur.

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Learn more about Tab

Book a call with a member of our team to learn more, get a walkthrough of our product, and if you'd like, get started with Tab.

Platform Demo
Implementation Plan
Onboarding Kickoff
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The new core of modern restaurant finance

The Tab Platform secures restaurant finances while supercharging expense management with powerful tools to control costs, optimize cash flow, and automate critical work.

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