Toast vs. Square vs. Clover POS: Which Is Right for Your Business?

When we pitted Toast vs. Square vs. Clover against each other, we found that Square POS is the best POS system for small businesses overall, because of its affordable and free pricing options, dual Android and iPad functionality, and its surprisingly wide selection of sales and business growth capabilities.

It was a close call, though. Our research and extensive user-testing found that Toast is the better option for established, full-service restaurants due to its excellent hardware options, and competitive hospitality features like tip-sharing, and cost controls – as long as they’re happy to use an Android system.

Clover POS isn’t out of the race, either. Its software is more intuitive than Square POS and Toast, making it a reliable option for retail and food businesses alike, and our research found it’s an especially strong fit for larger retail stores that would benefit from low card processing fees.

Read on to learn more about the individual strengths and sticking points of all three, and to find out which one is the most likely to meet your business’s specific needs.

In this guide:

• Which POS is best for you?
• Toast Review
• Square Review
• Clover Review
• Toast vs Square vs Clover Costs
• Best Range of Features
• Best Hardware Options
• Toast vs. Square vs. Clover POS Alternatives
• How Did We Compare Square vs Clover vs Toast?
• The Verdict: Why Square Is Best
• Toast vs Square vs Clover FAQs

Toast vs Square vs Clover: Which POS Is Best at a Glance?

• Free plans: Square and Toast both offer free POS plans, making them more cost-effective systems than Clover for smaller businesses.
• User experience: Clover offers the best user experience out of any POS system we tested, giving it a leg up over Square and Clover for POS beginners.
• Transaction fees: Clover offers lower transaction fees than Square and Toast, so if your business manages high volumes of sales the system will be a better value in the long term.
• POS app: Square’s excellent POS app and hardware accessories make it the natural option for sellers after a simple iPad hardware setup, while Toast’s Android POS rules it out from being used by these users.
• Hardware and software packages: Clover’s POS app Clover Go also works on Android and Apple devices, but Clover’s combined hardware and software packages make it better suited to businesses building a set-up from scratch.
• Advanced capabilities: Unlike Square, Clover, and Toast both offer advanced hospitality features like ingredient-level inventory tracking and cost-management software, making them more capable systems for busy, full-service restaurants.
• Customer support: Clover and Square both offer support via a 24/7 live chatbot, while Toast POS customers have to resolve queries by email or telephone.

Take a look at how these POS options compare to each other in the table below, or read on for more in-depth coverage of each and how they match up against each other.

Square’s simple interface made it easy for us to log customer orders quickly. Source: Tech.co user testing

Toast POS Review

• Best POS for food businesses
• Price: Free (with transaction fees)

Toast is a well-respected POS option for any sized business. As you may be able to guess, Toast is one of the best restaurant POS systems and provides great features on that front, including real-time table updates and industry-aimed templates that can help your business grow.

Our research found that Toast is pretty strong across the board. For one, it’s incredibly easy to use, which is a trait any business owner should be striving for when it comes to any new software for your business. It provides robust reporting tools, so your business can understand exactly what you’re doing right and, more importantly, learn from what you’re doing wrong.

As a member of our user testing team quoted: “you can’t fault a platform which pretty much has everything and actually it’s very very simple and simplistic”. Alongside the system’s simplicity, our testers praised its intuitive search tool which helped them find features quickly. Due to Toast’s excellent functionality and useful backend, we believe it’ll be better suited to larger food businesses than simpler systems like Square POS.

Most suitable for:

• Full-service restaurants with complex operations
• Businesses that onboard regularly
• Restaurants or bars with large inventories

Less suitable for:

• Small businesses with simple inventories
• Users who rely heavily on customer support
• Users with iOS hardware

Toast lets single-location businesses get started without paying monthly fees with its Starter Kit plan, too. The plan also throws in hardware bundles for free, making Toast an extremely good value system for venues that want to keep start-up costs low. Toast’s transaction fees are higher than Clover’s and Square though, which means that costs might add up in the long run.

Toast gave me real-time table management updates straight from the POS. Source: Tech.co user testing

Toast has its shortcomings, though. First off, it doesn’t work with iOS, which can be a hit if your business is already set up with iPads. On top of that, it doesn’t offer a 24/7 customer service chatbot like Square and Clover, which could be offputting to busy food businesses that need round-the-clock support.

Learn more about the system’s features and limitations in our Toast POS review

If you like Toast, you might also like…

• Square, if you run a smaller cafe or food business and don’t require tons of advanced features
• TouchBistro, if you’re after a feature-rich iPad-based restaurant POS system

Square POS Review

• Best for small businesses aiming to expand
• Price: Free (with transaction fees)

There’s no doubt about it, Square POS is one of the best options out there for businesses of all shapes and sizes. The sleek, stylish hardware has become synonymous with progressive businesses, and the Square card reader single-handedly revolutionized the POS experience of small businesses. With this in mind, it’s no surprise it currently holds the largest POS market share in the US.

Most suitable for:

• Vendors that want to start selling without upfront costs
• Single-location businesses like food trucks, cafes, or retail pop-ups
• Businesses that want to integrate their online store

Less suitable for:

• Large restaurants that want ingredient-tracking features
• Businesses that need a training mode for new employees
• Businesses after ultra-low card processing fees

I could browse hundreds of third-party integrations through Square POS’s app marketplace. Source: Tech.co’s user testing

Outside of those notable accolades, our research shows that Square POS provides a lot to businesses that need a POS. It offers rock-solid inventory, analytics, and third-party POS integrations, empowering your business to take your sales to the next level. And, perhaps that best part of Square POS is that you can get started for free, with no monthly cost at all. Yes, there are transaction fees, but if you’re on a budget, Square is easily your best option to get started without costing too much.

The Square POS uses clearly marked fields and a drag-and-drop editor to help guide users through item creation. Source: Tech.co user testing

Square POS isn’t perfect, of course. The transaction fees are a bit high for non-card transactions, but the free monthly cost should largely outweigh that. Additionally, some essential features, like 24/7 support, advanced reporting, and account management, are relegated to the more expensive plans, so the extra charge might be necessary. Still, the prices are pretty affordable, so you won’t be in too much financial strife if you upgrade.

“Some things were so easy like adding stuff, round table, adding orders.” – A member of Tech.co’s user testing team

While Square was generally quite easy to use, and will be ideal for smaller businesses with simple operations, the software performed slightly worse for intuitiviveness in our user testing. As a result, larger, more established businesses may be better off going for a system with a smoother user experience, like either Toast or Clover.

If you like Square, you might also like…

• Clover, if you’re after slightly more advanced features like ingredient-level stock tracking
• Zettle By PayPal. The POS also has a generous free plan and is ideal for businesses that want a simple tablet-based setup

Clover POS Review

• Best for established retailers and restaurants
• Price from: $59.95 per month  

Clover POS is unique in the POS space, in that it’s aimed at providing offline functionality to businesses that are already well-established in the online space. It offers a variety of POS hardware as well as a helpful POS software to make ordering, in-person and online, easier for everyone involved.

Most suitable for:

• Larger retailers and full-service restaurants
• Sellers after low transaction fees
• Users who prioritize intuitive software

Less suitable for:

• Businesses with pre-existing hardware
• Sellers wanting to low or free start-up costs
• Businesses that sell online, as well as in-store

As far as features are concerned, our research shows that Clover offers all the basics, like inventory and order management, item modifiers and variants, and a robust app market to add third party integrations. You’ll also get a suite of customer engagement features, which can really help businesses with getting new and returning customers in the door. Unfortunately, many of these features are not included in the base monthly price, so you’ll likely have to pay a bit extra to get that going.

The Clover Customers page offers options to customize data. Source: Tech.co user testing

Clover pricing starts at $14.95 per month for its Professional, and Home & field services plans, however it doesn’t come with software. Software and hardware packages start from $60 per month. The added cost for features is only one of a few downfalls. The inventory management and marketing tool just don’t pass muster, particularly compared to the likes of Square POS. It does offer some solid restaurant-specific features, but if that’s not what you’re here for, we’d recommend looking elsewhere.

See how the system compares to Toast head-to-head in our Clover vs Toast review

If you like Clover, you might also like…

• Shopify, if you’re a fan of Clover’s streamlined user experience, but want to sell online as well as in person
• Square, if you’re a smaller retail store or restaurant that wants to avoid hefty start-up fees

Toast vs Square vs Clover: Which Is the Cheapest?

Square POS is definitely the most affordable POS out of these three options, as its starter plan comes in at zero dollars per month, and its transaction rates are lower than Toast’s. Toast, on the other hand, offers a wider selection of free hardware options, so will be a better value for food and drinks venues after something slightly more elevated than an iPad setup.

Conversely, while Clover lets professional service businesses get started for $14.95 per month, and personal service businesses from $50 per month, Clover’s entry price is $60 per month for retailers and $90 per month for food businesses. Therefore, the POS can’t compete with Square and Toast when it comes to affordability. Take a look at the pricing breakdowns of each option below.

However, Clover POS’s transaction fees, which range from 2.3% + 10¢ to 3.5% + 10¢ are lower than those charged by Toast and Square. So, if you manage a medium to large store or food business and sell in high volumes, it’s likely you’ll end up saving more with Clover overall.

How much does Toast POS cost?

Toast has lowered its price since our last round of testing in 2022. Toast now lets users get started with its Starter Kit for free, with hardware bundles and POS software included. If you’re managing more than one location, want to opt for flat-rate card processing fees, or want to augment your plan with integrations, Toast’s Point of Sale plan starts from $69 per month.

Toast also lets you build your own custom set-up with it’s Build Your Own plan so you only need to pay for the feature’s you’ll use. See how the POS provider’s tiers weigh up in our comparison table:

How much does Square POS cost?

We’ve mentioned it once, and we’ll say it again: Square POS pricing starting price starts at 100% free along with some transaction fees. That’s right, you won’t have to pay any monthly fees at all; the only thing you’ll pay is a percentage of each transaction, which is common for paid options as well.

While that’s obviously an attractive offer, Square POS also offers paid plans that ramp up the features a bit. With two $60 per month plans, for retail and restaurants respectively, you’ll get 24/7 support, improved reporting and inventory features, and live sales information. These are notably more affordable than Toast’s $100+ per month plans and offer more than Clover’s more affordable options.

There’s also a bespoke plan for larger businesses, and that adds custom pricing across the platform, which can be very helpful when you’re trying to manage an enterprise organization.

How much does Clover POS cost?

We’ll be the first to point out that Clover’s price point is definitely steeper than most of its rivals. While its plans start from $14.95 per month for its Professional, and Home & field services starter plans, retail and restaurants will need to fork out much more to get started on the POS. 

Clover’s retail plans range from $60 to $175 per month, with card-present transaction fees costing an extra 2.3 + 10¢ to 2.6% + 10¢ on top, depending on your chosen plan.

Clover also offers six different plans for restaurants, three for quick-service businesses and three for full-service dining businesses. These packages cost anywhere from $90 to $290 per month, with card-present sales costing an extra 2.3% + 10¢ on top.

However, unlike many POS packages, most of Clover’s plans do include software and hardware options – all of which we’ve listed below. This saves businesses the need to invest in pricey hardware as well, somewhat helping to justify the provider’s higher price tag.

Check out our Clover POS pricing guide to learn more about how much the system could cost your business.

Best Range of Features: Clover POS

Our research and testing found that businesses can unlock more capabilities with Clover. Clover excels when it comes to industry-specific features, offering stronger retail-focused features than Square, and a wider selection of hospitality capabilities than Toast and Square.

Specifically, Clover lets servers see the live status of each table, and assign wait staff to tables directly through the POS. Clover also lets you make extremely accurate floor plans and edit the size, shape, and color of tables through the POS’s front end. This gives Clover’s table management tools an advantage over Toast’s and Square’s, as you can’t customize floor plans by color with either system and you’re only able to make changes via their back-ends.

I could edit the shape and size of tables using Clover’s table floor plan features. I was impressed with how easy it was to customize the floor plan. Source: Tech.co user testing

Clover offers excellent customer loyalty features in-house too, including birthday rewards and customizable perks. In comparison, you’ll need to pay extra to unlock these features with Square.

This doesn’t mean that Toast and Square are lacking though. Square, Toast, and Clover all offer the basics too, like online ordering, delivery, inventory, analytics, customer feedback, and advanced payment methods. What’s more, Square POS’s app market is the most expansive and provides businesses with an extensive selection of third-party integrations, so they can truly branch out and create the POS system that your business requires.

Toast offers lots of restaurant features Square and Clover lack too, like free email marketing tools, in-house reservation features, and cost-management software to help businesses price their products competitively. For these reasons, we recommend Toast for larger food and drink venues with more complex, bespoke needs.

I could browse hundreds of third-party integrations through Square POS’s app marketplace. Source: Tech.co’s user testing

Best for ease of use: Clover POS

Clover might cost more than Toast and Square, but its interface is much more intuitive and easier to navigate. When we tested Clover out for ourselves we were particularly impressed with how fast the set-up process was, and how easy it was to view and filter business insights, especially with its restaurant platform.

“I’m really amazed at the reporting side of things.” – A member of the Tech.co testing team after they used Clover

Toast’s user experience comes in a close second to Clover. Despite being stacked with features, Toast’s interface still felt quite clean and modern, and its search tool helped us to access any features we couldn’t find instantly. Square also has stripped-back, minimal software, but compared to Clover and Toast our researchers found it slightly clunky to get started with.

I could edit the shape and size of tables using Clover’s table floor plan features. I was impressed with how easy it was to customize the floor plan. Source: Tech.co user testing

Best for ordering: Clover POS

Clover really shines when it comes to businesses looking to add ordering to their system. The setup is extremely easy to get going, and the process for customers is intuitive and simple, so you won’t lose any orders when it comes to cart abandonment.

It is worth noting, however, that Clover does not provide a website for you. You’ll have to set up an existing page with a provider that is compatible with Clover software. Fortunately, most website builders for restaurants are set up for this kind of integration, so you should be all set! If you’re worried about price, cheap website builders are available to get you started.

Best For Hardware: Toast

Hardware is a vital component of any POS system. We found that Toast offers the best hardware options overall, due to its impressive range of terminals and accessories, and the fact businesses can unlock hardware bundles at no cost with its free plan. Whether you’re able to get by on the basics, or require an all singing all dancing POS terminal set-up, take a look at how Toast vs Square vs Clover’s hardware options compare below.

Toast’s hardware

Toast’s hardware can be purchased separately or in bundles. The provider also lets businesses get started with hardware bundles at no cost with its generous free plan. Toast offers an extremely wide range of POS hardware and accessories, and we were really impressed with how user-friendly and responsive its terminal was in our user testing. If you’re interested in taking orders on the go, Toast’s Handheld Starter Kit costs $799.20 plus $69 per month, while its Countertop Kit will set you back $1,024.20 plus $69 per month. Both of these packages include access to Toast’s POS software too.

The dual display POS from Toast. Source: Tech.co

Square’s hardware

Square offers a great range of affordable POS hardware. It lets businesses get started with its Magastripe card reader for absolutely free, and it also lets businesses purchase stand-alone POS accessories or hardware packages. Square’s hardware costs will depend on your business’s needs, but the provider’s contactless card readers start from $49 per unit, and its cheapest register, the Square Register, costs $799.

Clover’s hardware

Clover specializes in POS software and hardware combined packages, with its retail plans starting from $60 per month, and its restaurant plans starting from $105 per month. However, if you want to buy hardware separately you’re able to do this too. To give you a benchmark of Clover’s hardware prices, its card reader Clover Go matches Square’s price of $49, and its all-in-one POS terminal costs $1,799 upfront, plus a $44.95 per month for its software plan. 

Businesses can purchase Clover POS hardware separately or in bundles. Source: Tech.co

Toast vs. Square vs. Clover POS Alternatives

While Toast is the best POS option in most cases, and Clover and Toast are both respectable options depending on your needs, there are plenty of other options out there that might be a better fit. Take a look at some of the comparisons below to see how other POS providers could help you improve your business.

How Did We Compare Square vs Clover vs Toast?