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Toast vs. Clover: Honest POS Comparison, Pricing & Features

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You’re here to make a clean choice, not read a sales sheet. This guide compares Clover and Toast on what actually moves service: pricing, payment processing, feature depth, hardware options, and day-to-day flow.

From working with operators, I focus on two things: does the system save minutes during a rush, and does it scale cleanly when you add stations or a second location? Everything in this review maps to those outcomes.

You’ll see how each platform handles tableside ordering, online ordering, inventory, and kitchen displays; what the real monthly cost looks like; and where contracts or add-ons can change the math. 

I’ll also show you what owners praise (and where they struggle) so you can avoid common gotchas.

Quick Verdict: Toast or Clover

Before you dive into the details, here’s a quick overview of both systems based on my tests and our client’s experience:

  • Choose Toast if you run dine-in service with multiple kitchen screens, need tight coursing/routing, and want one stack for POS, online ordering, loyalty, and reporting.

  • Choose Clover if you want flexible payment options, Android-based POS terminals, and an easier fit for counter service or mixed food + retail (with apps for what you need).

Toast Overview

(3.9 / 5)
food delivery apps - Toast TakeOut logo

Best for

  • Dine-in and multi-location restaurants
  • Kitchens running multiple KDS screens
  • Operators that want one stack for POS, online ordering, and loyalty

Pros

Toast offers reliable kitchen routing: Tickets hit the correct KDS (grill, fry, expo) in sequence, which keeps service calm.

Modifiers and coursing done right: Forced/optional mods and timing rules work as staff expect, reducing remakes and delays.

Reporting built for operators: Item mix, menu performance, and export-ready COGS help you make pricing and prep decisions.

Cons

Payments are locked in: You must use Toast’s integrated payment processing; no third-party processors.

Upfronts can stack: Handhelds, KDS screens, printers, and install time increase the initial bill.

Pricing takes work: Quote-based plans and contracts require an itemized breakdown and add time to onboarding.

Pricing (short overview)

Plans

  • Starter Kit:
    $0 / month + higher payment processing fees.
  • Point of Sale Plan:
    Starts at $69 / month + payment processing fees.

Addons

  • Hardware Costs:
    $627-$1,034
  • Setup Service:
    $849-$1,049

System Showcase

Toast is a restaurant POS software that runs front and back of house as one flow. It pulls orders, kitchen display systems, online ordering systems, delivery, reporting, and team tools into a single dashboard.

In service, that means fewer logins and faster handoffs. Tickets route cleanly, modifiers stick, and tableside ordering stays in sync with the line.

The POS terminals and handhelds are built for long shifts, with offline mode to keep you going when Wi-Fi blips. Integrated payment processing keeps in-person and online sales reconciled without extra work.

Toast’s real strength is connection: Orders, modifiers, reporting, and staff tools stay aligned, so service runs faster today—and scales cleanly when you add stations or another location.

Already using Toast? Integrate UpMenu for online ordering without extra manual work. Sync menus and orders automatically. Connect Toast with UpMenu.

Why Toast fits operators planning to grow

Once you move past a single location, you need one place to set rules and trust they stick. With Toast, I change a price or modifier once and it publishes across POS, KDS, and online ordering—no duplicate entry or version drift

In multi-location rollouts I’ve supported, this cuts misfires (fewer voids/comped items) and makes menu changes routine instead of a project. 

Toast now runs in 134,000+ U.S. restaurants, from independents to regional groups, which shows the model scales beyond a pilot.

What benefits you notice day to day

On the floor, the wins are concrete. You see tighter timing, fewer corrections, and less back-and-forth between expo and servers. Menu changes stick everywhere, and managers get reports they can actually use at lineup.

  • Turn time lift: better coursing and screen routing shave minutes off peak tables, so you seat the next party sooner.
  • Re-fire reduction: modifiers print where they should, cutting remakes and comped items.
  • Channel sync: one menu across POS, web, and delivery means fewer mid-shift fixes and fewer guest surprises.
  • Manager time back: clean, ready-to-use reports replace late-night spreadsheet cleanup.
What restaurant owners say they like about Toast

“Toast POS is really easy to use for our front of house team and for owners and managers managing the details on the back end. The add-ons, like gift card module, loyalty program, and marketing are all great also!”

Andy G., Restaurant Owner (Source: G2)

That’s the practical difference: fewer interruptions, faster turns, and clearer data for tomorrow’s prep, pricing, and restaurant COGS.

Common trade-offs

  • Processing is locked: Unlike Clover, Toast requires using its own integrated payments.
  • Pricing takes a quote: Ask for a single, itemized sheet (software, payment processing, hardware SKUs, install, terms).
  • Go-live isn’t instant: Expect roughly 2–4 weeks for build, training, and installation.
  • Contracts can be firm: Multi-year terms appear in some deals; check renewal/ETF language.
  • Support varies by moment: It’s 24/7, but response quality can dip at peak—have a reset playbook posted on site.
Where Toast operators see room for improvement

“The system itself is pretty good, as is the Toast hardware. The major problem, and the reason for the one star review, is the absolutely disgraceful customer service and support!”

Carl T, General Manager (Source: Capterra)

If you’re seasonal or testing a pop-up, that weight can feel like too much. If you’re running full-service or adding locations, the structure usually pays you back in steadier service and less admin work.

Clover Overview

(3.5 / 5)

Best for

  • Quick-serve, cafés, food trucks
  • New/small businesses that want fast setup
  • Mixed restaurants and retail businesses that share inventory or checkout.

Pros

Fast to start: simple onboarding; staff learn it quickly.

Omnichannel ready: POS + online sales + unified reports in one dashboard.

Flexible payments & apps: works with multiple payment processing options and a large App Market for add-ons.

Cons

Rates vary by provider: custom pricing means totals depend on your merchant agreement.

Restaurant depth can require apps: advanced BOH features often come from third-party integrations.

Hardware can run higher: Station/Mini/Flex pricing adds up versus tablet setups.

Pricing (short overview)

Plans

  • Starter:
    from $14.95/mo
  • Standard / Table Service: $89.95/mo for first device, +$14.95 for each additional
  • Counter Service:
    around $54.95/mo

Processing fees

  • In-person: 2.6% + 10¢
  • Online / keyed: 3.5% + 10¢

Addons

  • Loyalty & Rewards:
    from $45/mo
  • Email Marketing:
    $15/mo
  • Inventory Pro:
    $35/mo
  • Hardware Costs:
    $599-1799$

System Showcase

Clover POS is a modular system for cafés, counter service, and mixed retail–food setups. You start with core checkout, then layer in online ordering, restaurant loyalty program, and marketing through its App Market when you’re ready.

Menus are easy to tweak, staff pick it up fast, and you can add tableside ordering with Flex terminal or keep it all at the counter with Station/Mini.

Hardware is Android-based and plug-and-play (Station Duo, Mini, Flex) plus readers, receipt printers, and a cash drawer. You can process payments in person and online, and choose from multiple payment processors instead of a single lock-in.

Where Clover POS stands out is flexibility: straightforward pos terminals, a big app ecosystem for third-party integrations, and pricing that adapts to your provider agreement rather than one fixed plan.

Why Clover fits operators who want flexibility

Clover works when you want a lighter setup you can shape around your menu and budget. 

You can add core checkout first, then layer online ordering, loyalty, or marketing from the App Market without rebuilding the system. Pricing is also flexible because you’re not locked to one processor—your payment processing rates come from the merchant provider you choose.

Clover’s footprint is broad enough to feel stable. Fiserv reports ~700,000 businesses using their hardware and software, and the platform has 3.5 million devices deployed globally across 11 countries. 

That tells me you’re not betting on a niche tool, and you’ll find plenty of dealers if you need local help.

Benefits you notice day to day

Clover POS stays quick and straightforward. Staff learn Station/Mini/Flex fast, and menu tweaks go live without a call to support. 

If you add tableside ordering later, Flex pairs easily with your counter station so you don’t change your flow. The App Market helps you plug gaps (loyalty, marketing, delivery) without switching systems.

  • Faster onboarding: counter teams pick up tap-to-pay and simple modifiers in a single shift.
  • Menu edits without friction: price or item changes publish to the register and online ordering in one update.
  • Modular growth: add only what you need (loyalty, marketing, time tracking) and keep costs predictable.
  • Device mix that fits your layout: Station at the counter, Mini for small footprints, Flex handheld when you want mobility.
What restaurant owners say they like about Clover

“The product’s realistic UI is straightforward and the touch screen is responsive for high-traffic times and speedy to react. The register is smooth and doesn’t take a great deal of room. Charge card exchanges are basic and quick.”

Gerald L., Restaurant Manager (Source: G2)

The net effect is less time training, fewer mid-shift workarounds, and a setup you can evolve as you learn what sells.

Common trade-offs

Clover’s flexibility is a major draw, but it comes with details you’ll want to know before committing. 

Pricing and performance can shift depending on your provider, and certain restaurant-specific features may require third-party add-ons. Here’s what to keep in mind before rolling it out:

  • Variable pricing: Costs depend on your reseller or bank—monthly fees and payment processing fees can differ widely.
  • Hardware lock-in: Once you buy Clover devices, they’re tied to Fiserv processing; switching providers usually means replacing terminals.
  • Limited kitchen tools: For complex routing or multiple kitchen display systems, you’ll need paid third-party apps.
  • Reporting depth varies: Default reports are solid for sales but lighter on inventory management or labor insights.
  • Support through resellers: Quality and speed of help depend on where you buy (direct Fiserv users often get faster response).

Where Clover customers see room for improvement

“Absolutely horrible customer service. They use third party representatives to sell you the machines/system and then they disappear. I have been attempting to get a kitchen display for over two months and haven’t been able to because they said I went through a third party and need to be in contact with them.”

Robyn T., Restaurant Owner (Source: Capterra)

If you’re hands-on and like to tweak your own setup, Clover’s structure gives you room to experiment. But if you prefer predictable pricing and one dedicated support line, it might feel less consistent day to day.

Key Features: Toast vs. Clover 

The smartest way to compare POS systems is to ask two questions: Will this speed up service? Will it cut errors? Both Clover and Toast cover core restaurant functions, but differ in terms of flexibility and control.

Everything below shows how Toast and Clover stack up in real restaurant conditions.

Feature AreaToastClover
FOH flow (tables, coursing)Tuned for dining rooms; table layouts, fires/holds, and pacing that respect course timing.Works well for counter service and simple table needs; lighter native tools for complex pacing.
Kitchen Displays & RoutingMulti-screen routing (grill/fry/pantry/expo) with throttling and make-time control.KDS supported via App Market; routing depth depends on chosen app and setup.
Online Ordering & DeliveryBuilt-in web orders and delivery settings; POS timing/menu rules carry through.Multiple app options for web orders, delivery, and QR; quick to start, depth varies by app.
Menu & ModifiersGranular modifiers (forced/optional/combos) behave consistently across stations.Straightforward modifiers; fast to teach and maintain for simpler menus.
Inventory ManagementItem-level counts and reports geared to menu decisions and prep.Solid basics; advanced controls are typically added via third-party apps.
Reporting & AnalyticsShift-ready dashboards plus deeper menu and item performance exports.Clear sales summaries out of the box; expand with App Market analytics.
Loyalty & MarketingNative tools keep guest data and offers in one stack.Choose from multiple Clover’s customer engagement tools; match to your goals and budget.
PaymentsToast’s integrated processing only; negotiate and track a blended effective rate.Multiple payment processors available; pricing depends on your provider agreement.
Multi-location ControlsCentral menus, roles, and reports; strong fit for scaling to new units.Scales well; deeper centralization often comes from selected apps.
IntegrationsRestaurant-focused marketplace; strong third party integrations.Large App Market spanning loyalty, delivery, inventory, CRM.

My takeaway: If you rely on coursing and tight multi-KDS routing, Toast’s restaurant-specific approach pays for itself in fewer slowdowns. If you want processor choice and a modular path—start lean, add apps as you go—Clover’s flexibility makes that easy.

Pick the platform that shortens ticket time during your peak hour.

Toast Feature Highlights

When service tempo matters, Toast stays in step. Table pacing, holds, and routing align with how a real dining room runs, so tickets land where they should without extra coaching. 

As you add a bar well or a second make line, one ruleset covers every screen—no duplicate edits or surprise behavior.

Where this shows up during a rush:

  • Clear pacing: courses fire in order; expo stays ahead.
  • Clean modifiers: forced/optional sets behave across stations.
  • Less admin: menu updates are published once to the POS and online ordering.

Clover Feature Highlights

Clover is about shaping the system to your operation. Staff pick it up fast, and you can add online ordering, loyalty, or delivery through the App Market without tearing up your setup. 

With processor choice and a wide app catalog, you match tools to your budget and scale them only when they earn their keep.

Where this helps on the floor:

  • Fast onboarding: counter teams learn it in a shift.
  • Modular growth: add tools in time as needed.
  • Processor flexibility: align rates and terms to your business stage.

Hardware: Toast vs. Clover

Your devices shape the shift: how fast tickets move, how reliably they print, and how long gear survives on a hot line. 

Infographic comparing Toast and Clover hardware

Below is a practical, service-first look at each stack.

AreaToastClover
Counter StationRestaurant-grade terminals with Ethernet/Wi-Fi and tight peripheral support; built for heat and spills.Clover Station (Duo/Mini) Android pos terminals with customer display options; Ethernet/Wi-Fi; clean countertop footprint.
HandheldsToast Go® 2 (~$494, indicative): rugged, long battery, drop-in multi-bay chargers; smooth tableside ordering.Clover Flex (~$599 typical): compact handheld pos machine with built-in reader and receipt printer for line-busting or tableside.
Kitchen Displays (KDS)Native kitchen display systems with granular station routing (grill/fry/pantry/expo), pacing and throttling controls.KDS via App Market (Clover Kitchen Display and partners); routing depth and rules depend on the app you choose.
Printers & PeripheralsBroad kitchen/receipt printer range, cash drawer, scanners; strong ticket formatting and station rules out of the box.Supports receipt printers, drawers, scanners; formatting and chits vary by printer model and KDS app.
Durability & UptimePurpose-built for BOH; devices tolerate heat/steam; offline entry syncs when the network returns.FOH-friendly and quick to deploy; for hot lines, plan mounts/cases; offline acceptance supported with settlement on reconnect.
Warranty & ReplacementCentralized RMA; ask for advance replacement and on-site swap SLAs in the agreement.RMAs handled by Fiserv/reseller; confirm whether replacements ship in advance and expected turnaround time.
Software Updates & LifecycleManaged operating system and scheduled updates; standardizes devices across locations and reduces surprise behavior after updates.Firmware/app updates via Fiserv + App Market; easy to keep devices current with minimal IT, but behavior can vary by chosen apps

My takeaway: If you run several BOH screens and rely on strict routing, Toast’s purpose-built stack feels at home on the line. If you want modular devices, a faster counter install, and flexibility with payment processors, Clover’s Android lineup keeps things simple and predictable.

Unlike Clover, Toast’s hardware stack is fully unified under one vendor.

Sketch the stations before you shop. Decide how many screens you truly need (counter, bar, grill, fry, expo) and where each receipt printer lives, then match hardware to that map.

Pricing: Toast vs. Clover

For most restaurant owners I work with, processing rates drive the bill more than the software fee. Even small changes in your rate add up at real volume. 

Below is a stripped-down view of what actually shapes monthly cost so you can match each option to your size and growth plans.

BreakdownToastClover
Software PlansStarter Kit: $0/mo (higher processing, limited flexibility).
Core POS: from $69/mo per terminal.
Custom plans: for multi-location setups.
Counter Service: $54.95/mo
Table Service: $89.95/mo for first device, +$14.95–$19.95 per additional device (varies by reseller)
Processing FeesQuoted rates by channel (in-person / online / keyed).
In-person rates:
Starter Kit (Pay-as-you-Go): 3.09% + $0.15
Core Pay-as-you-Go: 3.39% + $0.15
Growth Pay-as-you-Go: 3.69% + $0.15
Standard (monthly fee plan): 2.49% + $0.15
Provider-dependent.
Standard direct Clover rates:
In person: 2.6% + $0.10
Keyed/Online: 3.5% + $0.10
Many resellers offer custom pricing tied to your contract and volume.
Online OrderingNative tools available on paid plans; optional delivery module (fees vary).App Market options for web orders, delivery, and QR; pricing depends on the app and your provider agreement.
Add-onsLoyalty, Marketing, Gift Cards, Payroll, Advanced Reporting—quoted; varies by plan and order volume.
Toast Delivery Services: $7.49/order flat.
Loyalty/Rewards, Marketing, Inventory+ — many as paid apps; totals vary. Processor choice can influence bundle pricing.
HardwareHandheld: ~$494
Kiosk (22″): ~$1,034
Terminal kits: ~$719–$944
Station Duo: $1,799
Mini: $799
Flex: $599
Go: $99
Contracts & TermsTypically 1–3 years; confirm renewal and early termination clauses.Terms vary by bank/reseller; many attach device pricing to the merchant agreement.
Setup ServicesGuided onboarding (remote or on-site). Typical launch: 2–4 weeks.
Setup Service: $849 for 1-2 terminals or $1,049 for 3 or more terminals
Usually dealer-led or DIY; onboarding quality and fees depend on your provider.

My takeaway: For restaurant stacks with multi-screen kitchens, the structure and routing you get with Toast often justify the monthly cost. If your priority is processor choice, modular apps, and a faster start with Android devices, Clover stays flexible—as long as you lock down rates and terms in an itemized quote.

Run last month’s volume through each POS provider’s rates before you sign.

Customer Service: Toast vs. Clover

When the line stalls, support is about time to recover. Here’s how each team handles help, onboarding, and real-world fixes for restaurants.

AreaToastClover
Availability24/7 phone, chat, email for paid plans; restaurant-focused agents.Phone and chat via Fiserv/resellers; hours and channels vary by provider.
Onboarding & TrainingGuided build with menu mapping, KDS/printer setup, and go-live checklist.Fast start; dealer or bank partner handles setup. Training depth depends on who sells you the system.
Resolution PathDirect ticket with Toast; priority can scale by plan/size; on-site dispatch possible on installs.Support flows through your merchant/provider first; escalations route to Clover/Fiserv if needed.
Restaurant PlaybooksDeep docs for table pacing, KDS routing, printers, and shift procedures.Strong basics for checkout, menus, and online ordering; advanced BOH guidance often via App Market docs.
Community & Peer HelpActive restaurant operator forums and knowledge base.Large Clover community across sectors; dealer groups often share templates and tips.

My take: If you want a single, restaurant-specific support line and structured training, Toast is the safer bet. If you prefer a local dealer model and value speed over depth—and you’re comfortable that service quality can vary by provider—Clover works well. 

Either way, post a one-page support playbook at each station (who calls, numbers, printer/KDS reset steps) so the team isn’t guessing on a Friday night.

Who is the winner?

Short answer: Toast edges it for most sit-down operations, but Clover still makes sense if you want processor choice and a lighter, app-driven setup. Pick based on how your floor and kitchen actually run—not on a generic feature list.

If you lean Toast

You run a dining room where timing decides guest experience. You need table pacing, precise routing, and stable handheld flow so tickets land where they should without coaching. You’re fine standardizing on Toast’s stack because tighter control beats piecemeal tools as you grow.

  • What you gain: steadier shifts, one ruleset for menus and roles across locations, and reporting managers will use at the lineup.
  • What to watch: commit to Toast’s integrated payment processing, expect quotes and contracts, and budget for pos terminals and handheld expansion.

If you lean Clover

You want a quick start, processor flexibility, and an app catalog you can scale into. You’re comfortable matching add-ons to your model (loyalty, marketing, delivery) and keeping the counter footprint clean with Station/Mini/Flex.

  • What you gain: fast onboarding, modular costs, and freedom to negotiate with payment processors.
  • What to watch: advanced BOH depth may require paid apps; pricing can vary by provider, so lock down monthly fees, device terms, and rates in one itemized quote.

Quick decision check

  • Dine-in, course timing, multiple screens? Choose Toast.
  • Counter service, fast launch, processor choice? Choose Clover.
  • Adding units next quarter? Centralized controls tilt to Toast.
  • Testing a concept or seasonal pop-up? Flexibility and dealer support tilt to Clover.

Cost reality in one line

Your bill is driven more by processing at your actual card mix than by the software price. Run last month’s volume through each provider’s rates before you sign.

My guidance to wrap it up

If your guest experience lives and dies by timing, choose Toast—it keeps front and back of house pulling in the same direction. 

If your play is speed, flexibility, and a modular path, choose Clover—start lean, then add tools that prove their value. Either way, buy into your floor plan and peak hour; that’s where the right POS system pays for itself.

Frequently Asked Questions (FAQ)

It depends. Toast fits dine-in and multi-screen kitchens that need tight coursing and routing. Clover fits counter service or mixed food + retail, where you want processor choice and a modular app stack.

Not by default. Toast has clear software tiers but fixed processing; Clover’s monthly fees and rates vary by provider. Run last month’s volume through each quote (in-person vs online) to see your real monthly total.

For quick setup and posted rates, Square can be a better fit for cafés and simple menus. For deeper restaurant workflows, Toast is the stronger option.

Picture of Dominik Bartoszek

Dominik Bartoszek

8+ years Digital Marketer driven by data & AI. Helping restaurants grow more through online orders.

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