Toast vs SpotOn 2026
On FSR defaults, SpotOn wins on monthly processing by ~$100. Toast wins on roadmap and hardware. Two specific contract gotchas decide the call.
FSR defaults (4 terminals, $80K monthly, 78% CP, $42 ticket, KDS, online ordering): Toast $3,037/mo all-in vs SpotOn $2,647/mo. SpotOn wins on monthly by approximately $390 (cheaper SaaS, cheaper processing, no Volume Subscription Fee). Pick SpotOn for processing math, Toast for roadmap and Enterprise multi-location. Negotiate the 10bps VSF and the 3-year processing contract.
Tier rank on the FSR default profile
Monthly all-in side by side
Toast: SaaS $326 + Hardware $156 + Processing $2,455 + VSF $80 + Hidden fees $20 = $3,037/mo.
SpotOn: SaaS $300 + Hardware $140 + Processing $2,188 (interchange-plus modelled effective 2.35% CP / 2.9% CNP) + Hidden fees $19 = $2,647/mo.
Processing math
Toast flat rate plus VSF effectively ~2.59% on CP volume Toast VSF · 2026-06-20. SpotOn interchange-plus typically nets ~2.35% effective at $1.5M revenue. On $62.4K monthly CP volume that is ~$150 difference, $1,800/yr.
Multi-location vs single-unit
Toast wins on multi-location: Enterprise tier has central menu + reporting. SpotOn competitive on single-unit + processing.
Two contractual gotchas to ask about
Toast: Confirm the Volume Subscription Fee in writing. Negotiate the processing rate down from 2.99% Starter to negotiated tier. Toast pricing · 2026-06-20
SpotOn: Confirm SaaS tier without bundled processing. Confirm the processing contract length (typically 3 years). SpotOn pricing · 2026-06-20