BOH Card Cost Control

Segment

Concept / group

Store

From

Through

Active portfolio view

All BOH restaurants

Preparing portfolio metrics…

Recorded rate—

Card volume — Gross processed volume

Recorded fees — Excludes Amex discount fees

Effective rate — Recorded fees ÷ volume

Average ticket — — transactions

20 bps opportunity — Annualized addressable target

Monthly economics

Volume and effective rate

VolumeRate

Cost stack

Where the recorded fees go

Estimated pass-through——

Toast markup——

Network fees——

Coverage noteToast statements omit American Express discount/interchange. Recorded rate is therefore a floor, not fully loaded card acceptance cost.

Operating mix

Channel and network exposure

—card present

Swipe / dip / tap—

Keyed / CNP—

American Express volume—

Value creation

Savings sensitivity

20 bps

5 bps40 bps

Annual run-rate opportunity—

—

Store-level diligence

Cost performance by location

Find store

Store	Segment	Card volume	Transactions	AOV	Recorded fees	Rate	Toast markup	20 bps value

Methodology

Statement-derived, decision-ready

Store months are aggregated across merchant IDs to account for account migrations. “Pass-through” equals recorded fees less the disclosed Toast markup and is an estimate—not a card-level interchange ledger. The next data upgrade is the Toast Cost Breakdown export, which will unlock Visa, Mastercard, Discover, debit, rewards, and qualification detail.