Toast vs Clover: Cost and Fees Calculator
Enter your volumes to compare estimated monthly costs and fees for Toast and Clover across the selling types both offer, using published US pricing.
Full POS system
Estimates combine processing fees and monthly subscriptions on the plans noted above. One-time hardware, setup, and add-ons are excluded. Rates are published or typical US pricing as of mid-2026 and may have changed.
How the Toast vs Clover calculator works, and how the two compare
Toast is the leading restaurant-specific POS platform in the US, with proprietary hardware and mandatory in-house payment processing. Toast's Core plan is $69 per month at 2.49% + $0.15 in person; the $0 Starter Kit bundles hardware but charges 3.09% + $0.15, online orders run 3.50% + $0.15, and hardware is proprietary at roughly $800 per station. Clover is Fiserv's POS hardware and payments brand, sold directly and through resellers, popular with retail and restaurants. Clover charges 2.6% + $0.10 in person (2.3% + $0.10 on restaurant plans) with software plans from $14.95 to around $59.95 or more per month and hardware from the $99 Go reader to the $799 Mini.
How they are similar: Where they overlap: both Toast and Clover cover running a full point-of-sale system, which is what this calculator compares. In both cases the bill is driven by a percentage of each sale plus any fixed per-transaction fee, which is why your average transaction size changes the effective rate as much as the headline percentage does.
How they differ: Only Clover offers in-person card readers, so that side of the business is not part of this comparison. Toast operates as a point-of-sale platform where software subscriptions and card processing come as a package, while Clover operates as flat-rate card processing with published per-transaction fees. Toast is restaurant-only and all-in: the deepest food-service feature set on the market, but you must use Toast processing, hardware has near-zero resale value, and contracts commonly run 2 to 3 years. Clover pairs polished proprietary hardware with an app marketplace, but pricing varies by reseller, most plans carry monthly fees, and 36-month agreements are common.
Assumptions used in this calculator
- Toast is modeled on: Core plan $69 per month at 2.49% + $0.15; Starter Kit $0 per month at 3.09% + $0.15.
- Clover is modeled on: 2.6% + $0.10 (2.3% restaurant plans), Register plan from $59.95 per month, Mini from $799.
- Rates are published or typical US pricing as of mid-2026 and change often; quote-based providers are modeled at representative rates. Always confirm current pricing with the provider.
- One-time hardware, setup, add-on apps, keyed-in transactions, international cards, and chargeback fees are excluded from the monthly figures.