# Toast Pricing (2026): Plans, Processing Fees and Total Cost > Toast pricing explained: software plans, card processing, hardware and contract terms, with a worked monthly total for a restaurant and dated, sourced figures. Source: https://benvo.io/compare/toast-pricing On this page - The short answer - Plans and prices - Processing fees - Other costs - Contract - A real month - At a glance - Compared - Outside the US - How to choose - Lower the bill - Switching - FAQ - How we compared - Sources - [Home](https://benvo.io/) - [Compare](https://benvo.io/compare) - Toast pricing Pricing explained # Toast pricing: plans, processing and the real monthly total Last updated Wed 4 Nov 2026 By Benvo teamResearched Wed 4 Nov 2026 Toast pricing has three parts: a software plan, card processing and hardware. Third parties report the Starter Kit plan at US$0 a month and the Point of Sale plan at US$69 a month, with card processing on top at rates Toast does not publish.[2][4] Toast's annual report says nearly every customer must use Toast's own payments, and that contracts generally run 12 to 36 months.[5] This guide keeps official figures apart from reported ones, adds the onboarding and delivery fees Toast does publish, and works out a real month at three sales volumes, including the point where the US$69 plan starts to pay for itself. Toast's pricing page refused our automated reads, so every plan price here names who reported it.[1] Benvo, which sells a POS for clubs, hotels and hospitality groups, wrote this guide. On this page - The short answer - Plans and prices - Processing fees - Other costs - Contract - A real month - At a glance - Compared - Outside the US - How to choose - Lower the bill - Switching - FAQ - How we compared - Sources ## The short answer On reported rates, the US$69 Point of Sale plan costs less than the US$0 Starter Kit once card sales pass about US$11,500 a month, or about US$16,650 to US$18,230 once you count the hardware its lower rate needs. Over a 12 to 36 month contract, the card rate and the term matter far more than the plan fee.[4][2][5] ### Toast is good value if - Your card volume is high enough that the reported 2.49% rate on the Point of Sale plan outweighs its US$69 fee.[4][2] - You want POS, payments, hardware, online ordering, marketing and loyalty from one vendor.[5] - You trade in the US and would use Toast Payroll or Toast Capital, which are US only.[7] ### Look harder if - Your card sales are low or seasonal, so a plan fee or a higher rate weighs more on each month. - You need month to month terms: Toast contracts generally run 12 to 36 months.[5] - You want your own card processor; apart from a small subset of customers, Toast requires its own payments.[5] ### Consider Benvo if - You run a private members club, hotel outlets or a hospitality group rather than one stand-alone restaurant. - You prefer a flat module price: POS with Menus is US$448 per venue a month, with no setup fee.[24] - You want card fees billed by your own KPay, Adyen or Stripe account, with no Benvo markup on top.[25] ## Toast plans and prices Toast restaurant plans in the US as reported in 2026 Plan Monthly fee Reported in person card rate Reported by Starter Kit US$0 3.09% + US$0.15, pay as you go Katalyst, UpMenu, KORONA POS Point of Sale US$69 2.49% + US$0.15, hardware bought upfront Katalyst, UpMenu, KORONA POS Build Your Own Custom quote Not reported Katalyst, UpMenu Toast costs US$0 a month on the Starter Kit plan or US$69 a month on the Point of Sale plan, as reported in 2026, and Build Your Own is quoted. Card processing comes on top of every plan, and contracts generally run 12 to 36 months. These plan prices are third party, because Toast's official page refused automated reads.[2][3][5][1] Watch out: Why these plan prices are third party Toast's pricing page returned an HTTP 403 error to our fetch on 4 November 2026, and the archived copy could not be reached. The plan prices come from Katalyst (June 2026, corrected September 2026), UpMenu (2026) and KORONA POS, which cites NerdWallet data updated 6 August 2026. Treat them as a guide and ask Toast for a written quote.[1][2][3][4] ### Toast Starter Kit Reported, pay as you go $0 a month[2] - Software plan $0 a month[2] - In person card ratePlus US$0.15 a payment 3.09% per transaction[4] Paid for through a higher card rate rather than a monthly fee.[2] ### Toast Point of Sale Reported $69 a month[2] - Software plan $69 a month[2] - In person card ratePlus US$0.15 a payment 2.49% per transaction[4] - Starter hardware kitBought upfront US$1,113 to US$1,454[4] The lower rate is reported with hardware bought upfront.[4] ### Toast Build Your Own Through sales Quote only[3] - Software plan Quote only[3] - Card rate Not reported[4] Custom quotes for multi location groups.[3] ### Benvo POS with Menus $448 per venue a month[24] - POS $379 per venue a month[24] - Menus and beverage listRequired with POS $69 per venue a month[24] - Setup $0 one-off[26] - Card feesKPay, Adyen or Stripe, no Benvo markup Your processor's rate[25] Runs on iPads and phones you own, with card terminals from the processor you choose.[25] Public prices as of November 2026, in USD, before tax. Toast figures are third-party reports, not read on Toast's site. The US$0.15 charged on each card payment is left out of these cards and counted in the worked month below.[2][4] ### Starter Kit No monthly software fee. Katalyst describes it as US$0 with a processing markup: you pay for the software through a reported 3.09% + US$0.15 on every in person sale instead of through a bill.[2][4] ### Point of Sale Reported at US$69 a month by Katalyst and UpMenu, with the in person rate falling to 2.49% + US$0.15 when the hardware is bought upfront. That trade is the heart of the break-even below.[2][3][4] ### Build Your Own Build Your Own is priced by quote, and UpMenu reports custom quotes for multi location groups.[2][3] With no public price to anchor on, a group should ask for the plan fee, the card rate for each card type and the term in a single written quote. ## Toast card processing fees: what percentage Toast takes Toast does not publish its card rates. KORONA POS, citing NerdWallet data updated in August 2026, reports 3.09% + US$0.15 per in person payment on pay as you go, 2.49% + US$0.15 with hardware bought upfront, and 3.50% + US$0.15 for online or keyed payments. Your own agreement may differ, so get the rates in writing.[4] Reported Toast card rates in the US, 2026 Payment type Plan or setup Reported rate Reported by In person Starter Kit, pay as you go 3.09% + US$0.15 KORONA POS citing NerdWallet, August 2026 In person Point of Sale, hardware bought upfront 2.49% + US$0.15 KORONA POS citing NerdWallet, August 2026 Online or keyed Any plan 3.50% + US$0.15 KORONA POS citing NerdWallet, August 2026 ### In person rates The two reported in person rates differ by 0.60 of a point, or US$60 on every US$10,000 of card sales. The US$0.15 per payment is the same on both plans, so it never changes which one is cheaper.[4] ### Online and keyed payments Reported at 3.50% + US$0.15, about a point above the Point of Sale in person rate. If you key in phone orders or sell a lot online, model this rate on that share of sales rather than averaging it in.[4] ### Do you have to use Toast Payments? In practice, yes. Toast's 2025 annual report says that, apart from a small subset of customers, businesses cannot subscribe to the platform without also using Toast's payment processing.[5] That is why the card rate, not the plan fee, decides most of what you pay over a contract: in the worked month below, processing is about 96% of the Point of Sale total. ## Toast hardware, add-ons and onboarding fees Toast costs beyond the plan, official or reported Cost Amount Official or reported Source Starter hardware kits US$1,113 to US$1,454 Reported KORONA POS citing NerdWallet, August 2026 Toast Go 3 handheld US$599 Reported KORONA POS citing NerdWallet, August 2026 Easy Pay hardware leasing Offered, terms not published Official Toast annual report, FY2025 Online Ordering US$75 a month Reported Katalyst, June 2026 Toast Marketing US$75 a month Reported Katalyst, June 2026 Toast Loyalty US$25 a month Reported Katalyst, June 2026 Mobile Order and Pay US$25 a month per location Reported Katalyst, June 2026 Toast Tables Two tiers, prices not listed Official Toast support Hotel PMS Integration Separate subscription, price not shown Official Toast support Onboarding, remote day US$800 Official Toast support Onboarding, on site day US$1,000 Official Toast support Delivery, per order From US$6.99 (Uber Direct) or US$7.49 (DoorDash Drive) Official Toast support ### Hardware and Easy Pay KORONA POS, citing NerdWallet, reports starter hardware kits at US$1,113 to US$1,454 and the Toast Go 3 handheld at US$599, and notes that Toast does not publish device prices.[4] Toast's annual report lists Easy Pay hardware leasing among its financial products.[5] The Go 3 is built for service: drop resistant to 1.5 metres and rated IP65.[14] ### Software add-ons #### Reported Toast add-on prices a month Online Ordering[2]**$75** Toast Marketing[2]**$75** Toast Loyalty[2]**$25** Mobile Order and Pay, per location[2]**$25** Reported by Katalyst in June 2026, not read on a Toast page. Katalyst lists these four add-ons. Taken together at one location they come to US$200 a month, nearly three times the Point of Sale plan fee.[2] Toast Tables, the reservations and waitlist module, has two tiers: up to 25 reservations a month, or unlimited on Toast Tables Plus. Its help page lists no prices, and it does not run on Toast Flex or Toast Go devices.[12] ### Onboarding fees (official) Yes, Toast charges for assisted onboarding and publishes the fees. In the US an on site day costs US$1,000 and a remote day US$800. Work outside standard hours is US$500 a day per resource, cable termination US$50 each, and a late cancellation US$300 a day per resource. Self service onboarding is also offered.[8] Toast onboarding fees in the US Onboarding item Fee On site day US$1,000 Remote day US$800 Non standard hours US$500 a day per resource Cable termination US$50 each Late cancellation US$300 a day per resource ### Delivery fees Toast Delivery Services uses Uber Direct and DoorDash Drive drivers. In the US, fees per order start at US$6.99 through Uber Direct and US$7.49 through DoorDash Drive, with regulatory fees in California, New York City and Seattle and an automatic US$3.99 delivery service charge. DoorDash and Uber Eats marketplace listings are set up separately.[9] ### Hotel PMS and partner fees Charging a meal to a hotel room needs a separate Hotel PMS Integration subscription bought in Toast Shop, and its price is not shown. Toast names 12 PMS systems, including Opera Cloud, Mews, Cloudbeds and Stayntouch, and room charge does not work offline.[10] Other partner integrations connect in Toast Web; Toast says some are free and some carry a fee.[11] ## Toast contract terms Toast's annual report says its subscription contracts generally run 12 to 36 months. Katalyst reports 24 or 36 months as standard, with early termination fees.[5][2] A plan that turns out too expensive can be changed; a long term signed at the wrong card rate is much harder to undo, which is why the rate deserves more attention than the plan. Tip: Find the end date first Before you book a demo with anyone else, find your Toast agreement and note the end date, the notice period and the early termination clause. If you are mid-term, price any switch against what leaving costs, not only against next month's bill. ## What a month on Toast really costs Three restaurants with different card volumes, all on an assumed US$40 average ticket, one location, in person payments only. The volumes are assumptions; the rates are the reported ones above. Add-ons, hardware, Amex surcharges and online payments are left out. ### Three restaurants, three volumes Monthly Toast cost at three assumed card volumes, reported US rates Card sales a month (assumption) Card payments at US$40 Starter Kit plan Point of Sale plan US$30,000 750 US$1,039.50 US$928.50 US$60,000 1,500 US$2,079 US$1,788 US$120,000 3,000 US$4,158 US$3,507 At US$60,000 the Point of Sale plan is US$69, plus 2.49% of US$60,000 (US$1,494), plus 1,500 payments at US$0.15 (US$225): US$1,788. The Starter Kit plan is 3.09% of US$60,000 (US$1,854) plus the same US$225: US$2,079. Processing is US$1,719 of the US$1,788, about 96%.[4][2] ### Starter Kit or Point of Sale: where the line falls The Point of Sale plan costs US$69 more a month and saves 0.60 of a point on each in person sale. 69 divided by 0.006 is 11,500, so on fees alone the two plans cost the same at US$11,500 of monthly card sales, and above that the Point of Sale plan is cheaper.[4][2] The lower rate is reported with hardware bought upfront, though. Spread a US$1,113 to US$1,454 kit over 36 months, the longest standard term, and the plan carries US$30.92 to US$40.39 more each month. The line then moves to about US$16,650 to US$18,230 of monthly card sales.[4][5] Key takeaway Below about US$11,500 of card sales a month, the reported figures favour the Starter Kit. Above about US$18,230, the Point of Sale plan wins even after paying for the kit. In between, the answer depends on the hardware price in your quote.[4][2] ### The first year, with onboarding Public prices as of November 2026, in USD, before tax. Toast plan, rate and hardware figures are third-party reports; the onboarding fee is Toast's published US rate; Benvo prices are from its pricing page.[2][4][8][24] - One location, 12 months, US$720,000 of in person card sales in 18,000 payments at a US$40 average. - Toast: one remote onboarding day. Point of Sale: the lowest reported starter kit price, bought upfront. - Benvo: card fees are billed by your own processor at its rate, so they are not counted. Devices are ones you already own. First year at US$60,000 of card sales a month Cost Toast Point of Sale Toast Starter Kit Benvo POS and Menus Software, 12 months $828[2] $0[2] $5,376[24] Card rate on US$720,000 $17,928[4] $22,248[4] Your processor's rate[25] US$0.15 on 18,000 payments $2,700[4] $2,700[4] Your processor's fee[25] Hardware US$1,113 to US$1,454[4] Not reported[4] Your own iPads and phones[25] Onboarding $800[8] $800[8] $0[26] Estimated total $23,369 At least $25,748 At least $5,376 An estimate from published prices. Ask each vendor for a written quote. Before processing, the Point of Sale plan's first year is US$828 of plan fees, US$800 of onboarding and US$1,113 to US$1,454 of hardware: US$2,741 to US$3,082. With US$20,628 of card fees at this volume, the year comes to US$23,369 to US$23,710, against at least US$25,748 on the Starter Kit.[2][4][8] Benvo's column leaves out card fees, which are the largest cost on any system at this volume.[25] The estimator below reads the plan cards at the top of this page. Enter your monthly card sales and it applies the reported in person rates; add US$0.15 for each card payment you take.[4] ### Estimate plan fees and card rate costs An estimate from the published prices above. Lines a vendor does not publish are left out and named. Years Card payments a month (USD) - **Toast Starter Kit**$22,248Over 1 year - **Toast Point of Sale**$19,869Over 1 year - **Toast Build Your Own**At least $0Not published: Software plan, Card rate - **Benvo**At least $5,376Not published: Card fees ## Toast, Square, SpotOn, Lightspeed and Benvo: pricing at a glance Published or reported terms for one location in the US. Toast figures are third party unless marked official. Toast Point of Sale, Square Plus, SpotOn POS Essentials, Lightspeed Essential and Benvo compared on 14 criteria Criteria [Toast Point of Sale](https://benvo.io/compare/toast) Square Plus SpotOn Essentials [Lightspeed Essential](https://benvo.io/compare/lightspeed) Benvo POS and Menus Fees Monthly software fee US$69[2]Reported US$49[15]Per location US$55[16]Per station US$189[17] US$448[24]Per venue Plan with no monthly fee Starter Kit, US$0[2]Reported Square Free, US$0[15] All-In, US$0[16]Two year term Not listed[17]Lowest plan US$69 No[24] In person card rate 2.49% + US$0.15[4]Reported 2.5% + 15 cents[15] 2.45% + US$0.15[16]Amex 3.19% Not published[17] Your processor's rate[25]No Benvo markup Keyed or manual entry rate 3.50% + US$0.15[4]Reported, online or keyed 3.5% + 15 cents[15] 3.45% + US$0.15[16] Not published[17] Your processor's rate[25] Card processor No[5]Toast payments required for nearly all Square's own processing[15] SpotOn's own processing[16] No[18]Lightspeed Payments generally required Yes[25]Your choice of KPay, Adyen or Stripe Month at US$60,000 and 1,500 paymentsWorked on this page US$1,788[4] US$1,774[15] US$1,805[16]Two stations, before implementation At least US$189[17] At least US$448[24]Plus your processor Hardware Hardware prices Kits US$1,113 to US$1,454[4]Reported From US$59[15] Station 15 US$750[16]Offer price Not published[17] None sold[25]Runs on devices you own Own devices allowed Not stated[5] Not stated[15] No[16] Partly[19]Runs on iPad; third-party terminals not usable with Lightspeed Payments Yes[25]iPads and phones Hardware financing or lease Yes[5]Easy Pay, official Not stated[15] Yes[16] Not stated[17] Not applicable[25] Terms and setup Minimum term 12 to 36 months[5]Official Cancel or switch anytime[15] Month to month[16]All-In: two years Not published[2]Reported as typically annual Not stated here[26]Switch credit needs a 12 month term Setup or onboarding fee US$800 a remote day[8]Official; self service offered Not stated[15] Not published[16]Implementation costs apply Not published[17] None[26] Free trial Not stated[2] 30 days[15] Not stated[16] Not stated[17] 14 days[24]Per module Kitchen display Offered[5]Price not reported US$30 per device a month[15] Not stated[16] US$30 per screen a month[17] Part of Benvo POS[25] Support hours 24/7 chat[13]Official Phone, weekdays 6am to 6pm PT[15]24/7 on Premium 24/7[16] Not stated for US[20]24/7 on UK plans In-product support tickets[25]Hours not stated here - YesIncluded - PartlyLimited, on a higher plan or not confirmed in public - NoNot offered Checked Wed 4 Nov 2026. Partly means limited or with conditions. Not stated means the vendor page we read does not say. ## Toast pricing compared with other POS systems The same assumed month, US$60,000 of in person card sales in 1,500 payments, on each vendor's own rate card. Card mix, Amex share and hardware will move every figure. ### Monthly total at US$60,000 of card sales Square Plus[15]**$1,774** Square Free[15]**$1,785** Toast Point of Sale (reported)[4]**$1,788** SpotOn Essentials, two stations[16]**$1,805** Toast Starter Kit (reported)[4]**$2,079** Plan fee plus in person card fees. Lightspeed and Benvo do not publish a card rate, so they are not drawn; see their notes below. Volume and ticket size are assumptions. Apart from the Starter Kit, the published or reported options sit within US$31 of each other at this volume. Square Plus is US$49 + US$1,500 + US$225 = US$1,774, against US$1,788 on Toast's Point of Sale plan as reported.[15][4][2] What separates them is the term, who processes the cards and what each extra device or add-on costs, more than the headline month. Where Toast is stronger Toast covers POS, payments, hardware, online ordering, marketing, payroll and supplier invoices from one vendor, runs at about 189,000 locations and offers 24/7 chat support in every region.[5][6][13] For a US restaurant that wants one contract and one support line, that breadth can be worth the term. ### Square Square for Restaurants publishes Free at US$0, Plus at US$49 and Premium at US$149 per location a month, with in person rates of 2.6%, 2.5% and 2.4% + 15 cents. Plus and Premium come with a 30 day free trial and can be cancelled or switched anytime.[15] At US$60,000 Square Free is US$1,785; at US$120,000 Premium becomes the cheapest Square plan at US$3,479, against US$3,507 on Toast's Point of Sale plan as reported.[15][4][2] ### SpotOn SpotOn POS Essentials is US$55 per station a month, month to month, at 2.45% + US$0.15 in person (Amex 3.19% + US$0.15). With two stations at our volume that is US$110 + US$1,470 + US$225 = US$1,805, before implementation costs that SpotOn does not publish.[16] All-In has no monthly fee and includes hardware, but charges 2.79% + US$0.20, which comes to US$1,974 here, with a processing minimum and a two year term. SpotOn does not let venues use their own hardware or tablets.[16] ### Lightspeed Lightspeed Restaurant lists US plans at US$69, US$189 and US$399 a month and does not publish card rates, setup fees or contract length, so Essential can only be shown as at least US$189.[17] Lightspeed Payments is generally required for eligible customers, and existing third-party terminals cannot be used with it.[18][19] More on [Lightspeed POS pricing](https://benvo.io/compare/lightspeed) and [Toast vs Lightspeed](https://benvo.io/compare/toast-vs-lightspeed). Lightspeed also publishes a US transaction fee table: US$400 a month for US$35,000 to US$99,999 of monthly volume, which covers our example. The table does not say when the fee applies; a February 2025 third-party review of the UK product describes it as the fee for using a non integrated processor.[21][22] ### Benvo Benvo POS is US$379 per venue a month and needs Menus and beverage list at US$69, so US$448, billed in US dollars, with no setup fee and a 14 day trial per module. Loyalty is US$149, and POS Connect, for venues that keep another till, is US$59.[24] Each venue chooses KPay, Adyen or Stripe for card payments in person and online, Benvo shows the pros and cons of each, and a paid custom option connects another provider with a compatible API. Card fees are billed by that processor and Benvo adds nothing on top. That makes the month at least US$448 plus your processor's rate, so we do not claim Benvo is cheaper on processing.[25] Benvo sells no hardware: the POS runs on iPads and phones you own, and kitchen and receipt printers connect through a print bridge on the venue network. It is built for clubs, hotel outlets and groups, with member recognition at the table, charges to a member account and group comparison reports. From the third venue, each venue saves 10%, and from the fifth, 20%.[25][24] See the [hotel POS system](https://benvo.io/product/pos), the [bar POS system](https://benvo.io/solutions/bars-and-nightlife) and [Benvo pricing](https://benvo.io/pricing). If you run a club, hotel outlets or several venues, see what one flat price per venue would come to. [See Benvo pricing](https://benvo.io/pricing) ## Toast pricing outside the US - Toast sells in the US, Canada (all ten provinces since its 2026 Quebec launch), the UK, Ireland and Australia. Every price on this page is a US figure.[6][7] - Toast publishes separate onboarding rates for Canada, Ireland and the UK next to its US table.[8] - These products are US only: Toast Capital, Toast Payroll and its benefits partners, Tips Manager, the Toast Local app, xtraCHEF, Toast Advertising, Toast Benchmarking, the MyToast app and Toast Checking.[7] - The Toast Go 3 handheld launched in the UK, Ireland, Canada and Australia on 28 April 2026.[14] - Chat support runs 24/7 in all regions, and Canada, Ireland, the UK and Australia have local phone numbers.[13] We found no published UK, Irish or Australian plan prices or card rates, so none are shown. Outside the US, ask for a quote in your own currency that lists the plan, each card rate, the hardware, onboarding and the term. ## How to choose: Starter Kit, Point of Sale or another POS ### If your trade looks like this, look at this - If you needCard sales under about US$11,500 a month, or a seasonal venueChooseToast Starter KitNo plan fee, and the higher reported rate costs less than US$69 at this volume. - If you needSteady card sales above about US$18,230 a month, with hardware bought upfrontChooseToast Point of SaleThe reported 0.60 point saving covers the plan fee and a kit spread over 36 months. - If you needSeveral locations, or most of the platformChooseToast Build Your OwnQuoted, so ask for the plan, the card rates and the term in one document. - If you needMonth to month terms and published card ratesChoose[Square or SpotOn Essentials](https://benvo.io/compare/toast)Square plans can be cancelled anytime; SpotOn Essentials is month to month. - If you needA members club, hotel outlets or a group, with your own card processorChoose[Benvo](https://benvo.io/product/pos)One flat price per venue; card fees from the processor you choose. ## Expert tips: how to lower what you pay Toast ### Negotiate on the rate, not only the plan At US$60,000 of card sales a month, every tenth of a point is worth US$60 a month, or US$720 a year. A 0.10 point cut is worth almost as much as the whole reported US$69 plan fee.[2] Ask for the rate on each card type in writing, including Amex, keyed and online payments, because Toast does not publish them.[4] ### Count every add-on per location Katalyst reports Mobile Order and Pay at US$25 per location; ask whether the other add-ons are priced the same way.[2] If all four were charged per location, the US$200 a month at one site would become US$1,000 across five. Add the Toast Tables tier, the Hotel PMS subscription and any paid partner integrations before comparing totals.[12][10][11] ### Diary the renewal date With terms of 12 to 36 months, the cheapest moment to change anything is the run-up to the end date.[5] Put a reminder in the calendar 90 days ahead, which leaves time to pull a year of card reports, ask for a better rate and price other systems before the notice window closes. #### Before you sign or renew 8 items The in person, keyed and online card rate, and the Amex rate, in writing.Toast does not publish card rates. The plan fee per location, and whether a second terminal changes it. Hardware: bought upfront, leased through Easy Pay, or pay as you go at a higher rate. Each add-on price and whether it is charged per location. How many onboarding days, remote or on site, and the cancellation terms. The term, the renewal terms and the early termination fee. Delivery fees per order and the US$3.99 delivery service charge, if you deliver. The Hotel PMS Integration price, if you run a hotel restaurant. ## Switching from Toast to Benvo If the numbers point elsewhere, time the move to the end of your Toast term. This is how a switch to Benvo runs. Day 1 ### Kickoff One call with your switch lead: the tools you run, the dates that matter and who signs off. **From Toast: **Bring your Toast agreement so the go live date fits the end of the term and the notice period. Days 2 to 3 ### Export We request the exports from your current providers with you. Nothing for your team to format. **From Toast: **Ask Toast for your guest, menu and sales exports before you give notice. Days 4 to 6 ### Imports Guests, members, bookings history, menus and bottles imported, duplicates matched, every count checked with you. **From Toast: **Benvo reads Toast export files with its own column preset: CSV or XLSX files of up to 10,000 rows each, with duplicates matched.[26] Days 7 to 8 ### Channels Your WhatsApp number, email domain, booking links and POS connected to the new system. **From Toast: **Card terminals and online payments connect to your own KPay, Adyen or Stripe account, chosen with the pros and cons Benvo shows for each.[25] Days 9 to 10 ### Staff and training Everyone signs in with two-factor, and each team rehearses a real service with their lead. Days 11 to 13 ### Parallel run Benvo runs beside your old system on real service. Anything you flag is fixed before go live. Day 14 ### Go live The old system is switched off, members are invited to the app in one click and your lead stays on. **From Toast: **Day 14 is the plan, not a guarantee. Sources[26] If you are mid-contract, Benvo can credit up to 3 months of the remaining contract on a 12 month Benvo term. Conversation and invoice history do not move; the import covers guests, members, bookings, products and bottles. Details are on [Benvo's 14 day switch plan](https://benvo.io/switch).[26] ## Toast pricing: questions answered ### How much does Toast cost per month? Third parties report US$0 a month for the Starter Kit plan and US$69 a month for the Point of Sale plan, with Build Your Own priced by quote. Card processing comes on top, at reported in person rates of 3.09% or 2.49% + US$0.15. Add-ons, hardware and onboarding are extra, and contracts generally run 12 to 36 months.[2][4][5] ### What percentage does Toast take per transaction? Toast does not publish it. KORONA POS, citing NerdWallet data from August 2026, reports 3.09% + US$0.15 for in person payments on pay as you go, 2.49% + US$0.15 with hardware bought upfront and 3.50% + US$0.15 for online or keyed payments. Your agreement sets your actual rate, so ask for it in writing.[4] ### Does Toast charge a setup fee? Toast publishes fees for assisted onboarding rather than a single setup fee. In the US, an on site day is US$1,000 and a remote day US$800, with US$500 a day per resource outside standard hours, US$50 per cable termination and US$300 a day per resource for late cancellation. Self service onboarding is also offered.[8] ### Is there a contract with Toast? Yes. Toast's 2025 annual report says subscription contracts generally run 12 to 36 months, and Katalyst reports 24 or 36 months as standard, with early termination fees. Check the end date, the notice period and the termination clause in your own agreement before you plan any switch.[5][2] ### What is cheaper, Square or Toast? At US$60,000 of in person card sales in 1,500 payments, Square Plus works out at US$1,774 a month on Square's published rates and Toast's Point of Sale plan at US$1,788 on reported rates, so they are close. Square publishes its rates and lets you cancel anytime; Toast contracts run 12 to 36 months.[15][4][5] ### Who is the cheapest POS system? It depends on your volume and term. Toast's Starter Kit (reported), Square Free and SpotOn All-In all have no monthly software fee, but each charges a higher card rate, and All-In carries a two year term. At higher volumes a paid plan with a lower rate usually costs less. Our [Toast competitors](https://benvo.io/compare/toast) guide compares more options.[2][15][16] ### What is Toast POS' biggest competitor? The Google AI overviews for "toast competitors" that we reviewed on 4 November 2026 named Square, Clover, SpotOn and Lightspeed first.[23] On price, Square for Restaurants is the closest match, since it also bundles software, its own card processing and hardware.[15] Our [Toast competitors](https://benvo.io/compare/toast), [Toast vs Lightspeed](https://benvo.io/compare/toast-vs-lightspeed) and [Toast vs Revel](https://benvo.io/compare/toast-vs-revel) pages compare them in detail. ### Why is Toast POS so popular? Toast runs at about 189,000 locations and covers POS, payments, hardware, online ordering, marketing, payroll and supplier invoices from one vendor. It also publishes its onboarding fees, offers 24/7 chat support in every region and connects to 12 named hotel PMS systems for room charges, which suits hotel restaurants.[6][5][8][13][10] ## Keep comparing - [Toast competitors](https://benvo.io/compare/toast) - [Toast vs Lightspeed](https://benvo.io/compare/toast-vs-lightspeed) - [Toast vs Revel](https://benvo.io/compare/toast-vs-revel) - [Lightspeed POS pricing](https://benvo.io/compare/lightspeed) - [Revel POS pricing](https://benvo.io/compare/revel) - [Eats365 pricing](https://benvo.io/compare/eats365) - [Hotel POS system](https://benvo.io/product/pos) - [Bar POS system](https://benvo.io/solutions/bars-and-nightlife) - [All hospitality software comparisons](https://benvo.io/compare) - [Benvo's 14 day switch plan](https://benvo.io/switch) - [Benvo pricing](https://benvo.io/pricing) ## See whether Benvo fits your venue Bring last month's card report and your Toast agreement to a demo, and we will set them against Benvo's price, including what your own processor would charge. [Book a demo](https://benvo.io/book-a-demo)Free, no commitment. ## How we compared Toast's pricing page returned HTTP 403 to our fetch on 4 November 2026 and the Wayback Machine copy could not be reached, so plan prices, card rates and hardware prices come from Katalyst, UpMenu and KORONA POS (citing NerdWallet), each named beside its figure.[1][2][3][4] Onboarding fees, delivery fees, regional availability, the payments requirement and the contract range come from Toast's support pages and its 2025 annual report.[8][9][7][5] Every total is arithmetic on those rates. Card volumes, the US$40 average ticket, one location and in person payments only are assumptions chosen to show where plans cross, not data from any venue. Amex surcharges, add-ons and taxes are left out unless stated. Square, SpotOn and Lightspeed figures come from their own US pricing pages; Benvo facts come from its product and pricing pages as of 4 November 2026. ### Criteria - Plan fees, and whether each figure is official or reported - Card processing rates and who sets them - Hardware, add-on, onboarding and delivery fees - Contract length and payment requirements - Monthly and first-year totals at stated card volumes - Published rate cards of other POS vendors - Research date Wed 4 Nov 2026 - Last updated Wed 4 Nov 2026 - Sources 26 public sources Benvo wrote this page, and Benvo is one of the products compared. We checked every competitor fact against the public source listed beside it and note where a competitor is stronger. Product names are trademarks of their owners; Benvo is not affiliated with any of them. If something is out of date, tell us at hello@benvo.io and we will correct it. Written by Benvo team ## Sources - [Toast pricing page (returned HTTP 403 to our fetch)](https://pos.toasttab.com/pricing)Toast. Checked Wed 4 Nov 2026 - [Restaurant POS pricing in 2026: real costs from every major vendor (June 2026, corrected September 2026)](https://www.katalystos.com/blog/restaurant-pos-pricing-in-2026-real-costs-from-every-major-vendor)Katalyst. Checked Wed 4 Nov 2026 - [Toast pricing breakdown: fees and hidden costs (2026)](https://www.upmenu.com/blog/toast-pricing)UpMenu. Checked Wed 4 Nov 2026 - [Toast POS cost calculator (citing NerdWallet data updated 6 August 2026)](https://koronapos.com/blog/toast-pos-cost-calculator/)KORONA POS. Checked Wed 4 Nov 2026 - [Toast, Inc. annual report on Form 10-K for fiscal year 2025](https://www.sec.gov/Archives/edgar/data/1650164/000165016426000057/tost-20251231.htm)US Securities and Exchange Commission. Checked Wed 4 Nov 2026 - [Toast third quarter 2026 results (exhibit 99.1)](https://www.sec.gov/Archives/edgar/data/0001650164/000165016426000214/tost-20260930xexhibit991.htm)US Securities and Exchange Commission. Checked Wed 4 Nov 2026 - [Toast product availability in Australia, Canada, Ireland and the United Kingdom](https://support.toasttab.com/en/article/Toast-Product-Availability-in-Australia-Canada-Ireland-and-the-United-Kingdom)Toast. Checked Wed 4 Nov 2026 - [Services rates and fees](https://support.toasttab.com/en/article/Services-Rates-and-Fees?lang=en_US)Toast. Checked Wed 4 Nov 2026 - [Toast Delivery Services](https://support.toasttab.com/en/article/Toast-Delivery-Services?lang=en_US)Toast. Checked Wed 4 Nov 2026 - [Hotel property management system (PMS) integrations with Toast](https://support.toasttab.com/en/article/Hotel-Property-Management-Systems-PMS-Integrations-with-Toast?lang=en_US)Toast. Checked Wed 4 Nov 2026 - [Restaurant service integrations and Toast partner integrations](https://doc.toasttab.com/doc/platformguide/adminRestaurantServiceIntegrationsAndToastPartnerIntegrations.html)Toast. Checked Wed 4 Nov 2026 - [Getting started with Toast Tables](https://support.toasttab.com/en/article/Getting-Started-Toast-Waitlist)Toast. Checked Wed 4 Nov 2026 - [How can I contact support in the Toast app](https://support.toasttab.com/article/How-can-I-contact-support-in-the-Toast-app-1492809778919)Toast. Checked Wed 4 Nov 2026 - [Toast launches the Go 3 handheld in the UK, Ireland, Canada and Australia (28 April 2026)](https://www.cityam.com/?p=2419247)City AM. Checked Wed 4 Nov 2026 - [Square for Restaurants pricing (US)](https://squareup.com/us/en/point-of-sale/restaurants/pricing)Square. Checked Wed 4 Nov 2026 - [SpotOn pricing](https://www.spoton.com/pricing/)SpotOn. Checked Wed 4 Nov 2026 - [Lightspeed Restaurant pricing (US)](https://www.lightspeedhq.com/pos/restaurant/pricing/)Lightspeed. Checked Wed 4 Nov 2026 - [Lightspeed Commerce management discussion and analysis, fiscal 2026](https://www.sec.gov/Archives/edgar/data/0001823306/000182330626000025/mdafy26q4.htm)US Securities and Exchange Commission. Checked Wed 4 Nov 2026 - [Lightspeed Payments](https://www.lightspeedhq.com/payments/)Lightspeed. Checked Wed 4 Nov 2026 - [Lightspeed Restaurant pricing (UK)](https://www.lightspeedhq.com/uk/pos/restaurant/pricing/)Lightspeed. Checked Wed 4 Nov 2026 - [Lightspeed transaction fee table (US)](https://pdf.lightspeedhq.com/agreements/Lightspeed-Transaction-Fee-table-US.pdf)Lightspeed. Checked Wed 4 Nov 2026 - [Lightspeed Restaurant POS review (updated February 2025)](https://www.mobiletransaction.org/lightspeed-restaurant-pos-review/)Mobile Transaction. Checked Wed 4 Nov 2026 - [Google results for "toast competitors" (mobile, US and UK, AI overview openings)](https://www.google.com/search?q=toast+competitors)Google. Checked Wed 4 Nov 2026 - [Benvo pricing](https://benvo.io/pricing)Benvo. Checked Wed 4 Nov 2026 - [Benvo POS](https://benvo.io/product/pos)Benvo. Checked Wed 4 Nov 2026 - [Switch to Benvo](https://benvo.io/switch)Benvo. Checked Wed 4 Nov 2026