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POS system selection, pricing, hardware, and reconciliation for restaurants and retail businesses

July 10, 2026·mike

Toast vs. Square vs. Clover: Choosing the Right POS System for Your Restaurant or Retail Business in 2026

Toast charges roughly 2.99% + 15¢ per transaction, Clover about 2.3% + 10¢, and Square 2.4–2.6% + 15¢ — a side-by-side breakdown of POS pricing, hardware costs, and contract terms to help restaurant and retail owners pick the right system in 2026.