Toast vs Clover for restaurants (2026 compared)
Toast and Clover both want to run your restaurant, and both ask for something back: Toast locks processing, Clover locks contracts. Priced honestly, side by side.
Square, Toast, Clover, Lightspeed and all-in-one, compared on price and fit.
Short answer: there’s no single “best” restaurant POS, there’s the best one for your venue. Square is the easiest, cheapest way to start. Toast is the deepest for established US full-service restaurants. Lightspeed shines for multi-site and inventory-heavy operations. Clover is flexible hardware tied to your bank. And if you’d rather not run five tools, an all-in-one like Plattr puts POS, online ordering, kitchen, CRM and marketing on one login. Below: who each is really for, and what they cost.

Square is the default first POS for a reason: no contracts, cheap (or free) hardware, transparent per-tap pricing, and a genuinely easy setup. It covers payments, a basic menu, and simple online ordering. You may outgrow its reporting, inventory and marketing as you scale, but for a cafe, truck or new takeaway it’s hard to beat as a starting point.
Toast is a deep, restaurant-specific platform, coursing, kitchen display, tips and payroll, built for sit-down venues. It’s a bigger commitment (its own hardware, and typically contracts), and it’s US-centric, so it suits established full-service restaurants far more than a small independent or a business outside the US.
Lightspeed is strong where menus are complex and stock matters, think multi-site groups, or venues doing serious inventory and recipe costing. It’s more powerful (and pricier) than Square, and worth it once inventory control becomes a real cost lever.
Clover is a hardware-led system often sold through banks and payment providers, with an app market to extend it. Flexible, but experience and pricing vary a lot by whichever reseller you sign up through, read the specific deal in front of you.
Plattr takes the opposite approach to “buy a POS, then bolt on ordering and marketing”. It’s one system for the whole food business: POS and kitchen tickets, a your own online-ordering storefront, dine-in QR, CRM, loyalty and marketing, one login, one bill. Best for independents and small groups who want everything to feel like one product instead of six.
| System | Best for | Commitment | Ordering built in? |
|---|---|---|---|
| Square | Starting fast & cheap | Low, no contracts | Basic |
| Toast | Full-service (US) | Higher, hardware/contract | Yes |
| Lightspeed | Multi-site & inventory | Medium–high | Add-on |
| Clover | Bank-led hardware | Varies by reseller | Via apps |
| Plattr | All-in-one for independents | Low, free to start | Yes, from 2.5% |
Whatever you choose, insist on two things: you own your data, and your channels talk to each other. For the ordering side specifically, see the best online ordering systems for restaurants, or step back to a broader restaurant management platform if you want POS, ordering and CRM as one system.
Most comparisons stop at the software price. That is the smallest line. Once you add hardware, payment processing and the extras you actually switch on, the picture changes, and the cheapest sticker price is often the most expensive system to run. Always model at least three years, because that is roughly how long you will keep a POS before the next switch.
Here is a worked example for a small cafe or restaurant doing about $250,000 a year in card sales. Payment processing sits around 2.7% of card turnover; the exact rate varies by provider and region, so check current pricing before you commit.
| Cost line | Year 1 | Each following year |
|---|---|---|
| Software subscription (about $69 a month) | $828 | $828 |
| Payment processing (2.7% on $250,000) | $6,750 | $6,750 |
| Hardware (terminal, printer, cash drawer) | $1,100 | $0 |
| Add-ons (online ordering, loyalty) | $600 | $600 |
| Onboarding and training | $250 | $0 |
| Total | $9,528 | $8,178 |
Over three years that is roughly $25,884, and payment processing alone is about $20,250 of it. A system that saves you half a percent on processing saves you more than most software plans cost. When you compare quotes, put every provider’s processing rate, monthly fee and per-add-on charge into the same table before you decide.
These are the errors that cost independent food businesses the most, in roughly the order we see them.
If you are weighing up a change, our guides on how to choose a POS system and how to switch POS systems walk through the checklist and the migration step by step.
What is the best POS system for a restaurant?
The best POS is the one that fits how you actually operate. Toast suits established US full-service restaurants; Square is the easiest, lowest-commitment starting point; Lightspeed is strong for multi-location and inventory-heavy venues; Clover is flexible hardware tied to your bank. If you want ordering, POS, kitchen, CRM and marketing on one login rather than five tools, an all-in-one like Plattr is worth a look.
How much does a restaurant POS system cost?
Expect roughly NZ$0–200+ per month per till in software, plus card-processing fees of about 1.5–2.9% per transaction, plus hardware (a card reader from ~$50, a full terminal from several hundred). The real cost is usually the processing fees and the add-ons, read the per-transaction rate and the “extra module” pricing carefully.
Is Square or Toast better for a small restaurant?
For a small cafe, truck or takeaway that wants to start fast and cheap, Square is usually the better first POS, no contracts and pay-as-you-go hardware. Toast is a bigger commitment built for full-service restaurants and is US-centric, so it tends to suit established sit-down venues more than a small independent.
Do I need a POS system or can I just use a card reader?
A card reader takes payments; a POS also runs your menu, sends orders to the kitchen, tracks sales and stock, and links to customers and marketing. A lone reader is fine for a market stall; the moment you have a menu, staff and repeat customers, a proper POS pays for itself in speed and clarity.
Are there long-term contracts or cancellation fees with restaurant POS systems?
It depends on the provider. Software subscriptions are often month to month, but hardware leases and some processing agreements can lock you in for one to four years with early-termination fees. Always ask for the contract length, the notice period and any cancellation charge in writing before you sign, and prefer buying hardware outright over leasing it.
How hard is it to switch POS systems without disrupting service?
It is manageable if you plan it. The main jobs are rebuilding your menu and modifiers, moving customer and loyalty data across, and retraining staff. Schedule the cutover for a quiet day, run the old and new systems in parallel for a shift or two, and have someone from the new provider on call during your first busy service.
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