Fern
Five apps in one till · Built in Swansea
Your till, card machine, booking system, loyalty scheme and order-at-table app — five separate subscriptions for most venues, one box and one monthly bill here.
And a real person in Swansea on the phone when it matters.
Fern
Ready
Amount due
£24.50
tap · insert · swipe
NFC Chip Apple Pay

Built in Swansea by engineers who spent years processing billions in card volume for major UK retailers, now building the platform we wish the places we drink in had always had.

A platform you settle into.

Payments that disappear into the background. So you can focus on the person in front of you.

Square was built for everyone, everywhere. Fern was built in Swansea for the independent café, restaurant and bar owner who is tired of running five systems that don't speak to each other, and who wants someone local to call when one of them stops.

What actually matters
01
Named support,
not a ticket queue
When the terminal freezes mid-service you need a person, not a chatbot and a 48-hour SLA. Every Fern merchant has a named engineer who knows their setup.
A reply within the hour, 8am to midnight, seven days. A real phone number. A real person, in Swansea.
02
Five subscriptions,
collapsed into one
Till, card machine, bookings, loyalty and order-at-table are usually five products, five bills and five support numbers that half-talk to each other. Fern is one of each.
A typical bistro pays around £351 a month for that stack. Fern is £79.
03
Swansea benchmarks,
not national averages
Figures from London or Manchester tell you nothing useful about a Tuesday in Swansea. Fern aggregates anonymised data from venues across Swansea and the valleys, so a comparison actually means something.
See your trading patterns against comparable venues down the road, insight no national platform can offer.
01 / 05
Take payments.
Reliably.
Stripe Terminal at the core. Contactless, chip and PIN, Apple Pay, Google Pay. Server driven, so a tablet crash mid service never takes the till down with it.
02 / 05
Fill your tables.
Automatically.
Bookings with a widget you drop onto your own site. Deposits, reminders and no show protection, all handled. The diary stays in sync with the floor.
03 / 05
Order at the table.
No app.
Diners scan the QR code on the table and order from their own phone. Straight to the kitchen, straight onto the tab. No download, no queue at the till.
04 / 05
Reward your
regulars.
Card linked loyalty plus single use voucher codes. No app, no stamp card. Fern recognises customers by the card they already carry, every time they tap.
05 / 05
Know your
numbers.
Live dashboard, cash that ties out at close, and anonymised benchmarks from across Swansea and the valleys. See how your busiest hour compares to similar venues down the road.
scroll to explore
Ready
Amount due
£24.50
tap · insert · swipe
NFC Chip Apple Pay
The Gower Kitchen
Choose a time
Thu26
Fri27
Sat28
Sun29
18:00
18:30
19:00
19:30
20:00
20:30
Party of 4 £10 deposit secures it
Table 6
scan · order · pay
Flat White
oat available
+ £3.20
Welsh Cake
two per plate
+ £2.50
Bacon Roll
added to your tab
2
2 items · £9.40 View order →
SC
Sarah C.
member since Jan 2026
loyalty progress 2 / 20 visits
regular · 12 visits this month
recognised via card · no app needed
Hourly GMV, today
vs. similar venues in Swansea
+18%
8
9
10
11
12
1
2
3
4
Today's GMV
£487
Transactions
47
Avg. value
£10.36
Peak hour
12pm
How we differ

Honest about what's in the box.

Compared with the typical entry-tier hospitality POS, the kind most independents shortlist when they're starting out.

Capability
Fern
Entry tier
Online bookings with deposits
 separate tool, usually
QR code at-table ordering
 rarely included
Single-use voucher codes
 basic % discounts only
Card-linked loyalty (no app)
 paid add-on, usually
Split bills, by amount and by item
 evenly only, if at all
UK 14 allergens on every item
 free-text notes
Multi-site admin without an upgrade
 higher-tier plan
Stripe's rate at cost, our share published and capped
 0.1%
 margin baked into the rate
Welsh language interface
 not offered
Audit log of every refund, edit, role change
 basic activity feed

"Entry tier" reflects the standard plans on the most common UK hospitality POS products in early 2026. Higher-tier plans may add some of these features at additional cost. We'll update this comparison as competitors evolve.

By the numbers
6mo
Free platform access.
Stripe's fees and our 0.1% still apply.
0.1%
Our share of the payment.
Capped, and it never rises with volume.
1hr
Reply commitment, 8am to midnight,
seven days a week.
“We spent years building payment infrastructure for major UK retailers, systems handling billions in annual card volume. Then we looked at what independent hospitality businesses were being offered. We couldn't believe the gap. Fern exists to close it.”
Founder, Fern Technologies · Swansea
Pricing

Five bills become one.

Here's a typical bistro's software stack, and the same venue on Fern. The card rates work out about the same either way — the difference is the five subscriptions.

A typical bistro today
  • Till£60
  • Card machine rental£35
  • Booking system£109
  • Loyalty£47
  • Order at table£100
Five bills, per month
£351
The same venue on Fern
  • Full service — all five, one system£79
One bill, per month
£79
£272 a month, or £3,264 a year — and that's before anyone has to remember which of five support numbers to ring. Card processing is roughly a wash between the two, so the saving is the software, not a clever rate.
What you pay Stripe

Stripe's standardised rates. Stripe bills you directly and itemises every one of these on your own Stripe statement, so you can check our sums against theirs. We don't mark them up and we don't see a penny of them.

In person · UK & EU cards
1.4% + 10p
Online · UK cards
1.5% + 20p
Online · UK premium cards
1.9% + 20p
International cards
3.25% + 20p
The 10p is fixed, not a percentage. It costs the same on a £3 coffee as on a £60 dinner, so it bites hardest on small tickets. If most of your sales are small, please read who Fern isn't for before you talk to us.
What you pay Fern

Per site, per month. No setup fees, no contract, no minimum term — monthly, cancel when you like. Your first six months are free, so the monthly fee below starts in month seven; Stripe's fees and our 0.1% apply from day one.

Counter
£39/mo
Till, payments, reporting, loyalty.
Full service
£79/mo
Everything in Counter, plus bookings, table plans, orders and pay at table, and online menus.
Accounting sync
£15/mo
Xero or QuickBooks export. Optional.
Our share of the payment
0.1%
Of what you take through the card machine. Capped at 0.1% — it will not rise with your volume, your card mix, or anything else. On a £40 meal that is 4p.
Accounting sync is the only thing that costs extra, and only because we have to pay Xero and QuickBooks for it. We pass that cost along rather than bury it in everyone else's bill.
Hardware

Deposits, not purchases. You get the money back when the kit comes back.

Card reader
£190 deposit
Per reader, returned to you when you return the reader.
Tablet and receipt printer
Standard deposit
Loaned to you, or bring your own — Android only.
Run the numbers

Work out what you'd actually pay.

Put your own trade in and compare us against a card provider plus the tools you'd need alongside it. Every assumption below is editable, because your quote will not look exactly like anyone else's.

Your trade
 
What you'd compare against
Fern
£0
per month, all in
  • Stripe processing£0
  • Fern share (0.1%)£0
  • Fern software£0
Square + add-ons
£0
per month, all in
  • Card processing£0
  • Their software£0
  • Bookings & loyalty add-ons£0
 

The competitor figures are starting points, not quotes, and we can't see the deal you've been offered. Every one of them is editable above — put your real numbers in and the comparison becomes worth something. Stripe processing is modelled at the in-person UK and EU rate of 1.4% + 10p; a card mix heavy in international or premium cards will cost more on either side of this table.

Straight answers

Who Fern isn't for.

Three situations where something else will serve you better. We'd rather tell you now than take your money and let you find out.

If your average sale is under £15
Stripe's fixed 10p hurts most on small tickets. If you're a coffee shop doing mostly £3 flat whites, Square or SumUp will probably cost you less — and we'd be pretending otherwise to make a sale.
If most of your bookings come through OpenTable
They bring you diners. We don't. Our booking system is robust and takes reservations perfectly well, but nobody comes to us looking for somewhere to eat. If OpenTable is filling your tables, keep it — we'll do the rest.
If you need a more complex booking system
ResDiary handles intricate shift patterns and high-volume waitlists better than we do. If that's the shape of your operation, it's the better tool.
Support

You get my phone number.

Not a ticket queue, not a hold time, not a chatbot that asks you to rephrase. 8am to midnight, seven days a week, and always a reply within the hour.

8am–midnight
Every day of the week, including the ones your accountant doesn't work.
< 1 hour
Reply commitment, in those hours. Not a target we quietly miss.
One person
A direct number for a named human in Swansea who knows your setup.
Outside those hours the till keeps working regardless. Orders are held locally on the device and we fall back to cash if you lose connectivity, so a broken internet line never stops you trading.
Questions

The things people actually ask.

Yes — 0.1%. On a £40 meal that's 4p. It's on this page, it's on your statement, and it's capped at 0.1%.
You'd feel it. Stripe's rate isn't set by us and we can't absorb it. If we manage to negotiate volume discounts in future, we'll pass those on the same way.
No. Monthly, cancel any time, and take your data with you. No tie-in, no lock-in.
No. Fern runs on Stripe and needs Stripe readers. That's the trade-off for everything living in one system rather than three that half-talk to each other.
Each site is priced separately. Get in touch and we can talk it through properly.
Fern

Independent hospitality in Swansea and the valleys deserves a POS built here, not in San Francisco.
Be first to know when we launch.

Launching in Swansea and the valleys · 2026