Toast POS Global Fee Calculators
Select your country below to calculate exact credit card processing fees, Pay-As-You-Go ($0/mo) breakeven points, and online takeaway deductions in your local currency.
Standard: 2.49% + $0.15 | Pay-As-You-Go: 2.99%
Standard: 1.45% + £0.20 | Pay-As-You-Go: 1.75%
Standard: 2.49% + CA$0.15 | Pay-As-You-Go: 2.99%
Standard: 1.40% + €0.15 | Pay-As-You-Go: 1.70%
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Frequently Asked Questions
What are official Toast POS credit card processing rates in 2026? ▼
Toast standard card processing is 2.49% + $0.15 for in-person payments on standard hardware. On the 'Pay-as-you-go' hardware financing plan ($0 upfront), Toast charges a higher rate of 2.99% + $0.15.
Why is Toast's Pay-as-you-go pricing more expensive in the long run? ▼
The Pay-as-you-go plan inflates every credit card charge by 0.50% (2.99% vs 2.49%). A restaurant processing $50,000 monthly pays an extra $250/month ($3,000/year) indefinitely to finance hardware that costs $1,000 upfront.
What is Toast's online ordering and Toast TakeOut fee structure? ▼
Card-not-present online orders placed through Toast Online Ordering typically incur a processing rate of 2.99% to 3.50% + $0.15, depending on the software tier.
Can restaurants negotiate Interchange-Plus (IC+) pricing with Toast? ▼
Yes. High-volume restaurants processing over $500,000 annually ($40,000+/month) can negotiate Interchange-Plus wholesale pricing, typically wholesale interchange + 0.25% to 0.40% + $0.10.
Does Toast assess card processing fees on guest tips and restaurant taxes? ▼
Yes. Card processing percentage fees apply to the entire authorized transaction ticket, including food, beverage, state/local meals tax, and staff tips.
What hardware terminals does Toast provide for hospitality? ▼
Toast offers the Toast Go 2 handheld terminal for tableside ordering and payment, the Toast Flex countertop terminal with guest-facing display, and dedicated kitchen display screens (KDS).
What chargeback and dispute fees apply to Toast restaurants? ▼
Toast charges a non-refundable $15.00 dispute administration fee per chargeback filed by guests, regardless of the dispute outcome.
Can restaurants pass Toast credit card processing fees via surcharging? ▼
Yes. Toast features automated credit card surcharge and dual-pricing configuration options, allowing operators in compliant states to add a 3% surcharge to credit card tabs.