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Software plans
| Plan | Price | Billed per | Notes |
|---|---|---|---|
| Point of Sale | $69/monthToast (opens in a new tab) · Vendor website · | location | Card rates in this catalog correspond to this plan with hardware paid up front. Toast's pricing includes the first terminal subscription; additional devices cost extra. The Starter Kit, with no monthly software fee, uses pay-as-you-go rates (3.09% to 3.69% + 15¢, per NerdWallet), and Build Your Own is priced by quote. |
Processing rates and fees
| Fee | Amount | Applies to |
|---|---|---|
| In-person card rate | 2.49%NerdWallet (opens in a new tab) · Third party · () | per transaction · In person |
| In-person fee per transaction | 15¢NerdWallet (opens in a new tab) · Third party · () | per transaction · In person |
| Online card rate | 3.5%NerdWallet (opens in a new tab) · Third party · () | per transaction · Online |
| Online fee per transaction | 15¢NerdWallet (opens in a new tab) · Third party · () | per transaction · Online |
| Subscription for each additional device | Not publishedSee my price for Toast (opens the provider's site in a new tab)Toast (opens in a new tab) · Vendor website · ()The $69 plan includes the first terminal; Toast doesn't publish what each additional device costs. Its help center bills each extra device as its own line (Additional Tablet, Handheld or Kitchen display subscription) without a price. The county order form we have shows only the subscription total, and the reviews that give a figure ($50 a month) date from 2024 and 2025, too old to use. | per additional device (after the first) |
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.
| Card type | Dual pricing or cash discount | Surcharge |
|---|---|---|
| Credit cards | Your customers | Your customers |
| Debit cards | Your customers | Your restaurant, at the card rate |
It isn't free: your customers pay it
| 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
- You buy itNerdWallet (opens in a new tab) · Third party · ()Bought up front or financed; with the Starter Kit the hardware kit has no upfront cost in exchange for higher card rates.
- Works with another processor
- NoNerdWallet (opens in a new tab) · Third party · ()As reported by NerdWallet (Aug 2026) and Merchant Maverick (2025): using Toast requires Toast Payments, and Toast software runs only on Toast's own Android hardware, so the equipment doesn't move with you to another processor.
| 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. | — |
| Toast Go 3 handheld | $599NerdWallet (opens in a new tab) · Third party · () | — |
| Toast Tap card reader | $149NerdWallet (opens in a new tab) · Third party · () | — |
Hardware warranty
The same rows for every POS: how long the main terminal is covered against defects when you get it a standard way (buying, leasing, renting, a subscription or a loan), the conditions, including what it leaves out and what keeping it costs, and the price to replace that terminal outside the coverage.
| Hardware warranty included | 2 yearsSource: Toast (opens in a new tab)Two years on the countertop terminal (Toast Flex) and other hardware that is not handheld; one year on handhelds such as the Toast Go 3. It covers only hardware bought directly from Toast, and the Merchant Agreement incorporates it (§9.3). |
|---|---|
| Warranty conditions | Defects only. Toast chooses the fix: help by phone, a new or refurbished replacement, or a credit. The warranty terms say Toast makes reasonable efforts to ship an advance replacement by next-day air, but its replacement help article says standard shipping takes 3 to 5 business days and 1-to-2-day shipping may cost extra. You return the old unit within 30 days or pay the replacement price plus shipping, and a replacement is covered for the rest of the original period or 30 days, whichever is longer. Not covered: abuse, negligence, accidents, misuse, loss, theft, abnormal wear, improper transport, acts of God and unauthorized service; cracked screens, drops and liquid damage are billed at the full replacement price, and units outside the warranty are repaired or replaced at Toast's standard rates. Card readers built into handhelds have 1 year and other readers 2 years, although the same help article also says 1 year for readers in general. Toast publishes no paid extended warranty or accidental-damage plan. Software support continues for 3 years after the hardware warranty ends (Product Lifetime Policy); that covers software, not hardware. Hardware bought directly from Toast in the US can be returned within 90 days of shipment if it is in its original condition with all packaging and accessories: Toast credits the purchase price and pays the return shipping.Source: Toast (opens in a new tab) |
| Price to replace the main terminal | Being re-verified()(due for a re-check)Source: Merchant Maverick (opens in a new tab)As reported by Merchant Maverick: the Toast Flex countertop terminal with the Toast Tap card reader, without printer or cash drawer; the $50 a month is the device's software subscription. Toast doesn't publish this price itself: it bills damaged or out-of-warranty units at the full replacement price, and its online shop shows no prices without logging in. Other reviewers report $799 or more for the terminal. |
The RTC Score only counts how long defects are covered. What the coverage leaves out (accidents, theft, loss) and what it costs to keep are in the conditions. A protection plan sold separately doesn't count; if the vendor offers one, it's in the conditions. The replacement price isn't added to the 36-month cost, because there's no public data on how often equipment fails.