PJ's Verdict
Toast wins for full-service restaurants with kitchen display needs. Clover wins for quick-service and counter setups that don't need table management.
| Feature | Toast | Clover |
|---|---|---|
| Monthly software fee | $0–$110+/mo (Starter free) | $14.95–$94.85/mo + hardware lease |
| Processing rate | 2.49% + 15¢ (custom rates available) | 2.3% + 10¢ (varies by plan) |
| Hardware cost | $627–$1,349 per terminal | $799–$1,649 per station |
| Kitchen display system | Native integration, widely used | Add-on, less integrated |
| Table management | Built-in on most plans | Limited, add-on needed |
| Online ordering | Toast Online + TakeOut | Clover Online (weaker ecosystem) |
| Contract | No long-term contract | Hardware leases can lock you in |
| Best for | Full-service restaurants, bars, breweries | Quick-service, retail crossover, simple menus |
Common Questions
Is Toast better than Clover for restaurants?
For full-service restaurants, Toast is generally the better fit — it's built specifically for food service with kitchen display systems, table management, and menu modifiers baked in. Clover is stronger for quick-service or hybrid retail/food setups where Toast's restaurant-specific features aren't needed.
What does Toast cost per month for a restaurant?
Toast's Starter plan is $0/month (they make money on processing at 2.49% + 15¢). The Point of Sale plan runs $69/month. Build Your Own starts at $110/month. Most restaurants pay $69–$165/month for software plus hardware purchase or lease.
What does Clover charge per month?
Clover charges $14.95/month for the Starter plan, $49.95/month for Standard, and $94.85/month for Advanced — but these are in addition to hardware costs, which are typically leased rather than purchased outright. Watch for long hardware lease terms (3–4 years) that lock you in.
Can I use Toast in San Diego?
Yes — Toast is available nationwide including all of North County San Diego. PJ at SideGuy has helped restaurants in Encinitas, Solana Beach, and Del Mar set up Toast and negotiate rates. Text 858-461-8054 if you want a same-day comparison for your specific setup.
Not sure which one fits your setup? Text PJ — same-day answer for your specific situation, no forms, no call required.
Text PJ · 858-461-8054
Serving North County