For the hardware, I could basically buy it upfront if I have the cash, which restaurants often don't, or I could basically split it out. How would it be split out if I have a monthly contract?

There are a bunch of iterations of this. I think the most common way, and where it landed—and there still remain a few different ways—was originally financing through a third party. They would take the full cost of your contract: your hardware, your implementation fees, and your SaaS. That whole agreement would get financed out to a third party and split out over the length of the contract, which was three years. Instead of having that big chunk upfront and smaller monthlies, your monthlies were a bit bigger, and you got it done that way. The other way they would do it was through what they called Easy Pay, which was you would still pay your monthly, but your upfront chunk, instead of paying it upfront, would be taken out daily from your credit card sales. Instead of getting as much of a deposit each day, you would have a certain percentage reduced until you paid off the hardware. That model was challenging at times because people who typically were going for no upfront money might not be the best restaurant operators. There was a lot of defaulting on that; restaurants would close, they ended up with this hardware, they never opened, or they opened and didn't stay open very long, so that could get lost. That was basically the way they would help customers amortize it over an extended period of time through those couple of different financing models. The other one they did was zero upfront; essentially not charging for hardware at all, but increasing the credit card processing rates to subsidize that. You wouldn't have any upfront costs, but your overall processing rates would just be higher.