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AllProPay vs Toast

An honest, side-by-side look using each provider's publicly published pricing. Toast is excellent at what it is built for. Here is where each one fits, and what you actually pay.

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Side by side

Published rates and terms. Verify current pricing on each provider's site.

AllProPay vs Toast, based on publicly published standard pricing as of June 2026.
 AllProPayToast
Pricing modelThree programs: Dual Pricing, interchange-plus, or AllPro Rebate. We recommend the one that fits after going over your statement with you.Flat rate, restaurant-specific. Rates vary by plan and are negotiable.
Published in-person rateBased on your statement. We show you the number.2.49% + 15¢ on the paid plan, up to 3.09% + 15¢ on the free Starter plan.
Online rateSet by the program that fits your business, and itemized online too.3.50% + 15¢. A 0.23% processing fee was added in 2024.
Can you see your true cost?Yes. Every fee is itemized.Not fully. Processing fees vary by customer and are bundled into the flat rate.
Contracts or cancellation feesNone.Multi-year terms are common.
Free review of your current feesYes, no obligation.Not offered.
HardwareChoose your setup. We aren’t tied to one device.Toast-specific hardware, built for the Toast platform.
Best forOwner-operated businesses taking payments in person and online.Full-service and fast-casual restaurants that want deep restaurant features.
SetupWe set it up and help you switch with no downtime.Built around the Toast platform and its hardware.

When Toast is the right call

Toast is genuinely strong if you run a full-service or fast-casual restaurant and want deep, built-in restaurant tools. Tableside ordering, a kitchen display system, and menu management are part of the platform, and they work well together. If those features run your floor every shift, Toast may be the right fit, and we’ll tell you so.

Where AllProPay fits better

Toast has excellent restaurant tools, but you’re tied to its locked hardware and a flat price that has risen over time. AllProPay offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, with no long-term contract and the freedom to choose your own setup, while still handling tips and the day-to-day needs of a restaurant. You see the real cost, you get a person to call, and we help you switch without downtime.

One $100 debit tap, two receipts: $2.64 with Toast's published rate vs $0.77 with AllProPay interchange-plus Two receipts for the same $100 debit card tap, headed by the comparison $2.64 vs $0.77. Toast's published in-person rate of 2.49% plus 15 cents gives a $2.64 processing fee, the same fee a premium rewards card would pay. The AllProPay receipt lists the sale of $100.00, debit, tapped; the card cost for a big-bank debit card, $0.27; our markup at an example 0.50%, $0.50; and a fee on this sale of $0.77. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21 cents plus 0.05% plus 1 cent. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. Toast 2.49% + 15¢ $2.64 2.49% of $100 is $2.49, plus 15¢ Published standard pricing as of June 2026. $0.27 Our markup (example 0.50%) $0.50 $0.77 27¢ card cost, plus 50¢ markup ONE $100 DEBIT TAP Same sale, same everyday debit card. Two ways to price it. vs Fee on the same $100 debit tap Published flat rate vs interchange-plus, with an example markup. FLAT RATE Published in-person rate Sale $100.00 Card Debit, tapped Rate Processing fee The same fee a premium rewards card would pay. INTERCHANGE-PLUS AllProPay Follows the real cost of each card Sale (debit, tapped) $100.00 Card cost (interchange, big-bank debit) Fee on this sale A rewards card costs more. You see how much. SAME FEE, ANY CARD Debit costs less to accept A flat rate charges the same price on a cheap debit card as on a premium rewards card, so you cannot see what you actually pay. It depends on your card mix and how you sell. Interchange-plus shows you the true card-brand cost plus a clear, fixed markup. Verify current pricing on each provider's site. AllProPay side: illustration, not a quote. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21¢ + 0.05% + 1¢. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. LEGEND One flat rate, every card Real cost of the card, set by the banks Fixed markup, the part you compare

Common questions

Is AllProPay cheaper than Toast?
It depends on your card mix and how you sell. Toast uses flat rates that vary by plan, from 2.49% + 15 cents in person on its paid plan up to 3.09% + 15 cents on the free Starter plan, and 3.50% + 15 cents online. Those rates blend the underlying cost, so you can’t see what you actually pay. AllProPay offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, and shows you the math on your statement. The honest way to know is a free statement review of your current fees.
Are you locked into Toast hardware and contracts?
Toast hardware is built for the Toast platform, and multi-year terms are common, so switching providers later usually means replacing equipment. AllProPay uses no long-term contract and lets you choose your setup. Toast also added a 0.23% processing fee in 2024, and its rates are negotiable, so verify current pricing.
Can AllProPay handle restaurant needs like tips?
Yes. AllProPay supports tips and the day-to-day needs of restaurants while giving you the pricing program that fits (Dual Pricing, interchange-plus, or AllPro Rebate) and a real person to call. Toast has deeper built-in restaurant software like tableside ordering and a kitchen display system, so the right call depends on how much of that you use.

The honest way to compare

Send us one recent statement. We’ll show you exactly what you pay now and whether switching makes sense. If it doesn’t, we’ll tell you that too.

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