Toast Payments

Card processing built into Toast's restaurant POS: 3.09% + 15¢ with no monthly fee, or 2.49% + 15¢ from $69 a month

Rates verified October 14, 2026

Credit Card Processing

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The Bottom Line

Figures read Oct 14, 2026

In-person card rate: 3.09% + 15¢ (verified Oct 14, 2026). All rates and fees

Key facts

Pay-as-you-Go: $0 a month and 3.09% + 15¢ per card sale (Basic). Traditional: from $69 a month and 2.49% + 15¢.
On the traditional plan, online orders and American Express cost 3.50% + 15¢. Restaurants only, and Toast must be your processor.
A 2 year agreement that renews yearly; leaving early on Pay-as-you-Go costs $150 for each month left.

Pros

No monthly software fee and no cost for the basic hardware kit on Pay-as-you-Go
The per-sale 15¢ is published next to the percentage, so the price is easy to work out
Next-business-day deposits if you close out before 9:30 p.m. ET, and an instant option
Offline mode keeps card payments working when the internet goes down
Support is included with every software subscription

Cons

Only for restaurants using the Toast POS, and you must use Toast as your only processor
A 2 year agreement that renews yearly; leaving early costs $150 per month left on Pay-as-you-Go
On the traditional plan, online orders and American Express cost 3.50% + 15¢
The starting prices are for new customers with one location, and Toast says it builds a custom rate for each restaurant, so a quote can differ

At a glance

Rates verified October 14, 2026

Pricing model: Flat rate
In-person card rate: 3.09% + 15¢ (Pay-as-you-Go, Basic package; 2.49% + 15¢ on the traditional plan)
Online card rate: 3.5% + 15¢ (Traditional plan, Visa, Mastercard and Discover card-not-present; Pay-as-you-Go lists no separate online rate (Core package 3.39% + 15¢ includes online ordering))
Keyed-in rate: 3.5% + 15¢ (Traditional plan; Toast counts a card typed into a reader as card-not-present, Pay-as-you-Go lists no separate rate)
Monthly fee: Pay-as-you-Go, Basic $0, Pay-as-you-Go, Core (adds online ordering) $0, Pay-as-you-Go, Growth (adds loyalty, marketing, websites) $0, Traditional, Basic $69, Traditional, Core (adds online ordering) $219, Traditional, Growth (adds loyalty, marketing, websites) $578 a month
Free plan: Yes
Chargeback fee: $15
Payout speed: Next business day if you close out before 9:30 p.m. ET, otherwise two business days; instant deposit in about 30 minutes for a 1.75% fee
Contract: The software comes with a 2 year agreement that then renews one year at a time unless you give 30 days' written notice.
Early termination: Pay-as-you-Go: $150 for each month left in the term. Traditional: the software fees left for the rest of the term. Plus any processing fee for software financing.
Holds and reserves: Toast can temporarily delay payments, set a reserve or require you to keep funds in your bank account, at its sole reasonable discretion, to protect against chargebacks, excessive refunds or credit risk. It can also defer payouts while it investigates a dispute, and may delay payouts or set new fees if chargebacks are excessive.
Card reader: $99 (Toast Tap payment device (on counter))
Terminal: $1,153 (Countertop Starter Kit: Toast Flex terminal, Toast Tap and router, bought outright on the traditional plan ($0 under Pay-as-you-Go))
Best for: Restaurants, In-person sellers
Other fees to know: American Express (traditional plan): 3.50% + 15¢; Card not present (traditional plan): 3.50% + 15¢ for Visa, Mastercard and Discover; Instant deposit: 1.75%, minimum $25, up to $10,000 a day per location; Chargeback: $15 per notification, win or lose; Early termination (Pay-as-you-Go): $150 for each month left in the term; Inactivity fee (Pay-as-you-Go): charged if required card processing minimums are not met; amount not published; Extra terminals: $50 a month for a 14-inch Flex or a Go 3 handheld, $35 a month for a kitchen Flex
Countries: United States (Toast's US pages; Toast's help center also covers Australia, Canada, Ireland and the UK)

Sources: pos.toasttab.com/shop/starter-kits/countertop-s…, pos.toasttab.com/shop/starter-kits/handheld-sta…, read October 14, 2026

Is it worth it?

About $334 in person, or $444 online a month in fees on $10,000 of card sales

A business taking $10,000 a month in card payments, in about 167 sales of $60, would pay about $334 if every sale is in person (Pay-as-you-Go, Basic plan at 3.09% + 15¢, with no monthly fee), and about $444 if every sale is online (Traditional, Basic plan at 3.5% + 15¢, plus $69 a month). Hardware, PCI fees, chargebacks and other fees are not included, and rates change, so the date above matters.

Read this before you sign up

Toast processing is bundled with its restaurant POS and works only on Toast-approved hardware; the payment terms make Toast your exclusive processor.
The software comes with a 2 year agreement that auto-renews for one year at a time. Leaving early costs $150 per month left on Pay-as-you-Go, or the remaining software fees on the traditional plan.
Pay-as-you-Go can carry an inactivity fee if you miss required card processing minimums; Toast does not publish the amount or the minimum.
Toast can set a reserve or delay payouts at its discretion, and can change card processing rates on 30 days' written notice.
The starting prices apply to new customers with a single location, and Toast says its team builds a custom-built rate for each restaurant, so the published price is not guaranteed.
On the traditional plan, online orders and American Express cost 3.50% + 15¢ against the 2.49% + 15¢ headline.

Where these numbers come from

Checked October 14, 2026

Every rate and price on this page was read from the vendor's own pages on the dates below. Vendors change prices without notice, so check the current figure on their site before you decide.

Pay-as-you-Go and Traditional card rates with 15¢ per transaction, Basic/Core/Growth packages and monthly fees, the 2 year agreement, hardware prices, new customers and single locations only Vendor page (2026-10-14)
Same rates and 2 year agreement on a second kit page Vendor page (2026-10-14)
Landing page shows 3.09% and 2.49% without the per-transaction cents Vendor page (2026-10-14)
Custom-built rate, built for restaurants using the Toast POS, payment facilitator status, flat-rate wording Vendor page (2026-10-14)
Pricing page: Starter Kit from $0, Point of Sale from $69, 'Simple, flat rate', facilitator status, last updated August 20, 2026 Vendor page (2026-10-14)
Custom rate language and card-not-present definition Vendor page (2026-10-14)
Auto-renewal, early termination fee, inactivity fee, rate-change notice Vendor page (2026-10-14)
Exclusive processor, deposits, reserves, investigations, chargeback controls Vendor page (2026-10-14)
Chargeback fee of $15 Vendor page (2026-10-14)
Deposit schedule (before and after 9:30 p.m. ET) Vendor page (2026-10-14)
Instant deposit fee of 1.75% and limits Vendor page (2026-10-14)

What is Toast Payments?

Sources read on the date shown

Toast Payments is the card processing built into Toast's restaurant point of sale. You cannot sign up for it on its own: Toast says its processing is built for restaurants using the Toast POS, and you agree to use Toast as your only processor. It suits a restaurant, cafe, bar or food truck that wants orders, tables and payments in one system. Toast publishes two ways to pay on its Starter Kit pages. With Pay-as-you-Go there is no monthly software fee and no cost for the basic hardware kit, and the card fee is 3.09% + 15¢ on the Basic package (3.39% + 15¢ on Core, 3.69% + 15¢ on Growth). With the traditional plan you pay for hardware up front and a monthly software fee of $69, $219 or $578, and the card fee is 2.49% + 15¢, except 3.50% + 15¢ for American Express and for cards that are not present, such as online orders. These starting prices are for new customers with a single location, and Toast also says its team builds a custom rate for each restaurant, so a quote can differ. One thing to know: the software comes with a 2 year agreement that then renews one year at a time, and leaving early on Pay-as-you-Go costs $150 for every month left in the term. Toast can also hold or reserve funds if it sees risk, and deposits arrive the next business day only if you close out before 9:30 p.m. ET.

LCLouis CorneloupFigures read Oct 14, 2026 · how we evaluate

Sourcepos.toasttab.com ↗

Key details

Card processing built into the Toast restaurant POSTwo published routes: Pay-as-you-Go with no monthly fee, or Traditional from $69 a monthNext-business-day deposits when you close out before 9:30 p.m. ETInstant deposit in about 30 minutes for a 1.75% feeOffline mode keeps taking card payments when the internet dropsReal-time fraud monitoring and surcharging supportSupport included with every software subscription, open 24/7

Explore more

Best Credit Card Processing

Toast Payments FAQ

How much does Toast charge for card payments?

On Toast's Starter Kit page, Pay-as-you-Go is $0 a month with 3.09% + 15¢ per card transaction on the Basic package, 3.39% + 15¢ on Core and 3.69% + 15¢ on Growth. The traditional plan is 2.49% + 15¢ on most cards, with Basic at $69 a month, Core at $219 and Growth at $578. Checked on Toast's Starter Kit pricing page on October 14, 2026.

Does Toast charge more for online orders or American Express?

On the traditional plan, yes: 3.50% + 15¢ for Visa, Mastercard and Discover cards that are not present, and 3.50% + 15¢ for American Express. Toast lists no separate card-not-present rate for Pay-as-you-Go. Checked on Toast's Starter Kit pricing page on October 14, 2026.

Is there a contract with Toast, and what does leaving cost?

Toast's Starter Kit page says the software comes with a 2 year agreement. Toast's Merchant Agreement says it then renews for one year at a time unless you give 30 days' written notice. The early termination fee is $150 for each month left in the term on Pay-as-you-Go, or the remaining software fees on the traditional plan. Checked on Toast's pricing and agreement pages on October 14, 2026.

How fast do I get my money from Toast?

Toast's deposit schedule says a batch created before 9:30 p.m. ET deposits the next business day, and a batch created after 9:30 p.m. ET, or by the automatic 4 a.m. batch, deposits two business days later. Instant deposit reaches you in about 30 minutes for a 1.75% fee. Checked on Toast's help center on October 14, 2026.

Can I use Toast's card processing without the Toast POS?

No. Toast describes its payment processing as built for restaurants using the Toast POS platform, and its payment terms say you agree to use Toast as your exclusive provider of payment processing. Toast also says its software only works on devices it approves. Checked on Toast's payments page on October 14, 2026.

What does a chargeback cost at Toast?

$15 for each chargeback notification, whether or not you dispute it and whether you win or lose. Toast waives it only when the chargeback comes from a known Toast processing outage or another Toast issue. Checked on Toast's help center on October 14, 2026.

Can Toast hold my money?

Toast's payment terms say it can delay payments, set a reserve or require you to keep funds in your bank account, at its discretion, to protect against chargebacks, excessive refunds or credit risk. It can also defer payouts while it investigates a dispute. Checked on Toast's payment terms on October 14, 2026.

Source: pos.toasttab.com