Plans
No plans documented yet.
Card rates and fees
| Fee | Amount | Applies to |
|---|---|---|
| In-person card rate | 2.49%NerdWallet (opens in a new tab) · Third party · ()Rate with hardware paid up front, as reported by NerdWallet; Toast does not publish its rates on its own site. Pay-as-you-go (Starter Kit) is 3.09% to 3.69% + 15¢. | per transaction · In person |
| In-person fee per transaction | 15¢NerdWallet (opens in a new tab) · Third party · ()As reported by NerdWallet (Aug 6, 2026). Toast quotes each restaurant its own rate ("custom-built rate") and doesn't publish it. | per transaction · In person |
| Online card rate | 3.5%NerdWallet (opens in a new tab) · Third party · ()As reported by NerdWallet (Aug 6, 2026). Toast quotes each restaurant its own rate ("custom-built rate") and doesn't publish it. | per transaction · Online |
| Online fee per transaction | 15¢NerdWallet (opens in a new tab) · Third party · ()As reported by NerdWallet (Aug 6, 2026). Toast quotes each restaurant its own rate ("custom-built rate") and doesn't publish it. | per transaction · Online |
| Keyed-in card rate | 3.5%NerdWallet (opens in a new tab) · Third party · ()NerdWallet reports one card-not-present rate for keyed and online payments (Aug 6, 2026); Toast quotes its rates and doesn't publish them. | per transaction · Keyed |
| Keyed-in fee per transaction | 15¢NerdWallet (opens in a new tab) · Third party · ()As reported by NerdWallet (Aug 6, 2026). Toast quotes each restaurant its own rate ("custom-built rate") and doesn't publish it. | per transaction · Keyed |
| Instant deposit | Not publishedToast (opens in a new tab) · Vendor website · | of each instant payout |
| Monthly processing fee | Quote onlyToast Central (help center) (opens in a new tab) · Vendor website · | per account |
| PCI compliance fee | Not publishedToast Central (help center) (opens in a new tab) · Vendor website · Toast publishes no fee schedule for its processing: the line items of its processing statement show card fees based on your rate, monthly adjustments and withholdings, but Toast doesn't say it charges no such fee. The fees are in your order form. | per account |
| Statement fee | Not publishedToast Central (help center) (opens in a new tab) · Vendor website · Toast publishes no fee schedule for its processing: the line items of its processing statement show card fees based on your rate, monthly adjustments and withholdings, but Toast doesn't say it charges no such fee. The fees are in your order form. | per account |
| Annual fee | Not publishedToast Central (help center) (opens in a new tab) · Vendor website · Toast publishes no fee schedule for its processing: the line items of its processing statement show card fees based on your rate, monthly adjustments and withholdings, but Toast doesn't say it charges no such fee. The fees are in your order form. | per account |
| Fee per settlement batch | Not publishedToast Central (help center) (opens in a new tab) · Vendor website · Toast publishes no fee schedule for its processing: the line items of its processing statement show card fees based on your rate, monthly adjustments and withholdings, but Toast doesn't say it charges no such fee. The fees are in your order form. | per settlement batch |
| PCI non-compliance fee | Not publishedToast Central (help center) (opens in a new tab) · Vendor website · | per accountOnly if you don't complete your PCI compliance. |
| Monthly Minimum Processing Fee | Quote onlyToast Central (help center) (opens in a new tab) · Vendor website · () | per accountOnly with a Toast Dual Pricing package (and on some pay-as-you-go plans), when your card fees in the month are below the minimum: you pay the difference. |
| Chargeback fee | Not publishedToast Central (help center) (opens in a new tab) · Vendor website · | per accountEach time a customer disputes a charge. |
Paid by your customers
With this program your customers pay the card cost on the cards it covers, so those cost your restaurant $0 in our estimate. A surcharge only covers credit cards: your restaurant still pays the vendor's rate on debit. We show what your customers pay apart and never add it to your cost. Card network rules and state laws apply, and some states limit surcharges.
| Fee | Amount | Applies to |
|---|---|---|
| Toast Dual Pricing (paid by your customers) | 4%Toast (opens in a new tab) · Vendor website · 4% is Toast's default and can be changed. Toast recommends raising your menu prices by 4%. | per transaction |
Current promotion
Discount
Not publishedSource: Toast (opens in a new tab)The discount is 60% of the hardware in your first order. Toast does not publish its hardware prices, so the dollar amount is not known.- Conditions
- Joint offer from Toast and Uber, limited time with no published end date: 60% off the Toast hardware in your first order and 12 months without the monthly fee for a Digital Storefront tier and the Uber Eats integration. Only for businesses with fewer than 15 locations that are new to Toast, are referred between Toast and Uber, and sign a Toast Merchant Agreement; businesses new to both also sign an Uber Eats agreement. Uber adds credits toward Uber Eats ads and offers ($5,000 if you are new to both, $1,500 if you already use Uber Eats), applied as discounts on Uber fees over 3 months, not as cash. It cannot be redeemed for cash, it is not a payment of your current provider's early termination fee, and Toast and Uber can end it at any time.
- Valid until
- The vendor publishes no end date. We take it down if we can't re-check it within 30 days.
Counts in the RTC Score only if our reference restaurant qualifies.
The switching or signing incentive is one of the criteria with the most weight in the RTC Score. We count a promotion only while it's current, with a fixed published amount and conditions our reference restaurant meets. "Up to" amounts, buyouts of your current contract and unpublished amounts don't count. The cost calculator subtracts one only when your numbers qualify.
Hardware
- Ownership
- —
- Works with another processor
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| Item | Upfront | Monthly |
|---|---|---|
| Handheld Starter Kit | $1,113NerdWallet (opens in a new tab) · Third party · ()NerdWallet lists the Handheld Starter Kit at $1,113, the Countertop Starter Kit at $1,203 and the Guest Self-Service Starter Kit at $1,454. Toast doesn't publish the price of a terminal on its own. | — |