Square, Clover, Toast, and SpotOn compared on hardware costs, software fees, processing rates, and total cost of ownership. Our calculator shows you exactly what each system costs over 1 and 3 years for your specific setup.
The two most common POS systems for retail and restaurants, compared on total cost, hardware, software, and flexibility.
Toast, Square, SpotOn, and Clover — compared specifically on tab management, pre-authorization, and bar operations.
Enter your terminal count, monthly volume, and add-on needs. Compare 1-year and 3-year total ownership costs for Square, Clover, Toast, and SpotOn.
| POS System | Software | Hardware (per terminal) | Processing Rate | Contract | Best For |
|---|---|---|---|---|---|
| Square | Free | $0–$799 | 2.6% + $0.10 | No contract | New businesses, retail, food trucks |
| Clover | $14.95–$89.95/mo | $49–$1,799 | 2.3% + $0.10 | Contract required | Established retail and restaurants |
| Toast | $0–$69/mo | $0–$799 | 2.49% + $0.15 | Optional commitment | Full-service restaurants and bars with food |
| SpotOn | $25–$65/mo | $400–$1,000 | 1.99% + $0.25 | Varies | High-volume bars and nightlife |