All-in-one point of sale and payments for in-person businesses.
2.9% + $0.30
online rate
$0
monthly fee
Next day
payout
Retail
Restaurants
Small business
Best Toast alternatives
Toast: Restaurant and food retail Android POS and payment facilitator running about 180,000 locations, with a $0 plan that costs 3.09% + $0.15 a card sale.. If you’re weighing up Toast, here are 8 payment processors worth comparing on fees, features, and verified merchant reviews, especially for restaurants and hospitality.
Why consider alternatives to Toast?
- The Starter Kit checkout states a 2 year agreement, and section 8.4 of the merchant agreement sets the early termination fee at the remaining software subscription fees for the term, or $150 times the months left on a pay-as-you-go plan
- Section 6.2 lets Toast change card processing rates at any time during the term on 30 days' written notice, and continuing to trade past the effective date counts as accepting the increase
- Hardware is locked to the platform. Section 4.7 says the services may only be used on approved Toast Hardware, so a $749 Flex terminal or a $599 Toast Go 3 is a write-off the day you switch
- Modules stack on both plans. On the free plan online ordering moves the card rate from 3.09% to 3.39% and loyalty plus marketing takes it to 3.69%, while Merchant Maverick lists the same modules at $50 to $100 a month each on the paid plan
8 alternatives to Toast
Compare side by sideRated 4.5 out of 5 from 4 reviews.
Merchant One is a Miami Beach-based ISO that resells Wells Fargo merchant accounts with tiered pricing, Clover hardware and a $13.95 monthly fee.
0.29% to 1.99% qualified
online rate
$13.95
monthly fee
Varies
payout
Small business
Retail
Restaurants
New Zealand-based omnichannel processor and acquirer covering online, in-store and unattended payments in more than 40 countries.
Custom quote
online rate
Custom quote
monthly fee
Next day
payout
Omnichannel retail
Unattended payments
Enterprise
+1
Chicago ISO selling interchange-plus card processing, a branded gateway and its own Waves POS system. Sponsored into the card networks by Westamerica Bank.
Custom quote
online rate
Custom quote
monthly fee
2-day
payout
Retail stores
Restaurants
Hotels and hospitality
+1
Cloud iPad point of sale for quick-service restaurants. MYR runs the ordering and the terminal integration. A partner processor sets the card rates.
Set by your processor
online rate
$80 to $150 per month
monthly fee
Varies
payout
Quick-service restaurants
Coffee shops and bubble tea
Takeaway and drive-thru
+1
Card readers and payments for over 4 million small businesses in 36 markets, with no monthly fees on the standard plan.
3.5% + $0.15 US, 2.5% UK
online rate
$0 standard
monthly fee
Next day
payout
Mobile and market sellers
Cafes and salons
Trades
+1
Fiserv-owned POS sold direct and through banks and ISOs, at 2.6% + $0.10 in person on Starter and 2.3% + $0.10 on the Retail and Restaurant Growth plans.
3.5% + $0.10
online rate
$0 to $89.95 per software plan
monthly fee
Varies
payout
Counter-service restaurants
Retail shops
Appointment-based services
+1
Developer-first payments infrastructure for internet businesses.
2.9% + $0.30
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
Marketplaces
Toast alternatives: common questions
- What is the best alternative to Toast?
- Square is one of the most-compared Toast alternatives, but the best choice depends on your pricing model, payment methods, and integrations. Compare each option side by side before deciding.
- Why do merchants look for Toast alternatives?
- Merchants usually switch to lower processing fees, get better support, avoid restrictive contract or reserve terms, or find payment methods and integrations that fit their business more closely.
- How do I compare Toast with its alternatives?
- Use the side-by-side compare tool to line up Toast against any alternative on pricing, payment methods, integrations, features, and company facts, then read verified merchant reviews for each.
Alternatives to other processors
- Adyen alternatives
- Airwallex alternatives
- Authorize.net alternatives
- Banquest Payment Systems alternatives
- Billsby alternatives
- BitPay alternatives
- BlueSnap alternatives
- Braintree alternatives
- CSG Forte alternatives
- ChargeOver alternatives
- Chargebee alternatives
- Checkout.com alternatives
- Clover alternatives
- Corepay alternatives
- Dharma Merchant Services alternatives
- Dodo Payments alternatives
- Durango Merchant Services alternatives
- EBANX alternatives
- Easebuzz alternatives
- Easy Pay Direct alternatives
- Elavon alternatives
- Fluid Pay alternatives
- GoCardless alternatives
- Helcim alternatives
- Invoiced alternatives
- Lemon Squeezy alternatives
- MYR POS alternatives
- Maxio alternatives
- Merchant One alternatives
- Metronome alternatives
- Midtrans alternatives
- Mollie alternatives
- NMI alternatives
- NOWPayments alternatives
- Orb alternatives
- Paddle alternatives
- PayJunction alternatives
- PayPal alternatives
- PayTrace alternatives
- PayU alternatives
- Payment Depot alternatives
- PaymentCloud alternatives
- Paystack alternatives
- Polar alternatives
- Razorpay alternatives
- Recurly alternatives
- RevenueCat alternatives
- Soar Payments alternatives
- Solidgate alternatives
- Square alternatives
- Stax alternatives
- Stripe alternatives
- SumUp alternatives
- Tidal Commerce alternatives
- Windcave alternatives
- Worldpay alternatives
Not sure which processor fits?
Tell us what you need and we’ll help you shortlist the right restaurants and hospitality processor.