Compare
Clover vs Square
Clover vs Square for a small business: how you get paid, processing pricing, software plans, hardware and support, compared fairly with sources.
Compare
Clover vs Toast
Toast is built for restaurants and requires Toast's own payment processing. Clover runs restaurants, retail and services, on a merchant account from a provider you choose, such as us.
Two-minute request. Our team in Newnan follows up.
Registered ISO · Office in Newnan, Georgia · Serving businesses nationwide
The short answer
Clover or Toast?
Pick Clover if
- You want to choose who provides your processing, and get it quoted for your business
- You run a restaurant plus retail, or a business that is not a restaurant at all
- You want devices from a pocket reader to a self-order kiosk, set up by a local team
- You want the 3.5% off for cash program at your counter
Pick Toast if
- You run a restaurant and want one company for the POS, payments and restaurant software
- You are comfortable that Toast POS requires Toast Payments
- You want Toast's own around-the-clock support line included with the software
- You want Toast's pay-as-you-go option to lower the upfront hardware cost
Side by side
Clover and Toast, row by row
| Compared | Clover through Stratamize | Toast |
|---|---|---|
| Payment processing1 | A merchant account set up with your Clover, quoted for your business before you sign. | Toast says its POS requires Toast Payments, so you cannot shop for outside processing rates. |
| Who processes2 | Your merchant account, set up through a provider such as Stratamize. | Toast describes itself as a payment facilitator that partners with processors. |
| Business types2 | Restaurants, bars, coffee, retail, salons, auto repair and more. | Built for restaurants; Toast also lists a retail POS. |
| Hardware42 | Clover devices: Station Duo, Station Solo, Mini, Flex, Go, Kiosk, Kitchen Display and Compact. | Toast says its services work only on approved Toast hardware. |
| Upfront cost2 | Devices, the Clover plan, processing and setup, quoted together before you sign. | Toast lists hardware and implementation as the upfront costs, with a pay-as-you-go option that lowers them through an all-in-one rate. |
| Contract length3 | Set out in your processing agreement, and walked through with you before you sign. | NerdWallet's review reports contracts of two to three years. |
| Support2 | Our team in Newnan, GA, at (770) 629-0928, plus on-site setup in Coweta County and metro Atlanta. | Toast Care, included with every software subscription, by phone or web messaging around the clock. |
See what Clover would cost your restaurant
Send a two-minute request with how you serve, and we quote the devices, the Clover plan and your processing together.
- Send a two-minute requestWhat you need is already selected.
- Confirm your emailThen finish a short checklist.
- Get approvedUnderwriting reviews it and we keep you posted.
- Get set upWe install your Clover, test it and train your staff.
Switching
Moving from Toast to Clover
Check your Toast terms
Look at your Toast agreement for its end date and any early termination terms before you plan a switch. We can read it with you.
Send us your menu
Your menu with modifiers and a recent month of sales, so we can size the Clover setup and quote your processing.
Install, test and train
We set up your merchant account, build the menu, run test orders through the kitchen and train your staff. You keep running Toast until the switch day.
FAQ
Questions owners ask
Can I use my own payment processor with Toast?
Toast says its POS requires Toast Payments. With Clover, the merchant account behind your devices is set up with a provider such as Stratamize and quoted for your business.
Is Clover good for restaurants?
Yes. A full-service room usually runs a Clover Station Solo with Flex handhelds for tableside payment and a Kitchen Display on the line; a counter runs a Mini or a Station Duo. Clover also runs retail and services, which matters if you sell more than food.
Can Clover replace a Toast kitchen display setup?
Clover has its own Kitchen Display in 14-inch and 24-inch sizes, and a Clover Kiosk for self-ordering. We route counter, table and kiosk orders to the kitchen and test them before your first service.
Can I reuse my Toast hardware on Clover?
No. Toast says its services run only on approved Toast hardware, and Clover runs on Clover devices. Your quote from us includes the Clover devices you need.
What does it cost to switch from Toast to Clover?
It depends on your remaining Toast terms and on the Clover setup your restaurant needs. Send us your menu and a recent statement, and we will quote the Clover side before you decide anything.
Sources
- Toast blog: Toast payment processing, checked 2026-10-12
- Toast pricing page and FAQ (page updated August 20, 2026), checked 2026-10-12
- NerdWallet: Toast POS review (updated August 6, 2026), checked 2026-10-12
- Clover developer docs: Clover devices, checked 2026-10-12
Competitor details come from each company’s own pages or a dated review, as of the date shown. They change; check the source before you decide.
Get your Clover set up right.
Thinking about leaving Toast? Tell us how you serve, and we will quote your Clover setup and processing before you sign. Our team is based in Newnan, Georgia, and we work with businesses nationwide.
Get Clover pricingCall (770) 629-0928
Approvals usually come back within hours, three days at most.
Book a call with our team- Call our team: (770) 629-0928
- Registered ISO; every account is subject to underwriting approval
- Based in Newnan, Georgia, serving merchants nationwide
- Card details go on the processor’s secure hosted forms; we never handle them