Paloma POS
    Side-by-side · Vendor facts checked October 24, 2026

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    PalomaPOS vs Square, Toast, Clover, Lightspeed, SpotOn, and TouchBistro — what each vendor publishes about software fees, card rates, hardware, payouts, contracts, and support, with a source for every figure.

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    Restaurant POS comparison; vendor facts from each vendor's own pages, checked October 24, 2026
    FeaturePalomaPOSSquareToastCloverLightspeedSpotOnTouchBistro
    Monthly software fee$0/month with PalomaPOS processingSquare Free $0/mo; Plus $49/mo; Premium $149/mo — per location[1]Starter Kit from $0/month (new, single-location customers, up to 2 terminals); Point of Sale plan from $69/month[3]Restaurant bundles from $135/mo for 36 months (hardware included), or $849 hardware + $89.95/mo — prices on Clover.com[7]Plans listed at 69 USD (Starter), 189 USD (Essential), 399 USD (Premium); KDS $30/screen per month[9]All-In plan $0/station per month; POS Essentials $55/station per month[11]Point of Sale from $69/month (hardware, processing & other fees extra); Essentials Bundle with hardware from $119/month (processing extra)[12]
    In-person card rateCustom quote from your current statementTap, dip, or swipe: 2.6% + 15¢ (Free), 2.5% + 15¢ (Plus), 2.4% + 15¢ (Premium)[1]3.09% per transaction on Pay-as-you-Go; 2.49% on Traditional pricing (hardware paid up front + monthly software)[4]2.3% + 10¢ card tapped, swiped, or inserted — Clover says these prices are only available on Clover.com[7]Varies — check current termsCard present: 2.79% + $0.20 (All-In); 2.45% + $0.15 (POS Essentials; Amex 3.19% + $0.15)[11]By quote; integrated or standalone processors supported[12]
    POS hardwareAt cost, or free placement for qualifying volumeSquare hardware, options starting at $59[1]Toast-approved hardware only; Starter Kit hardware with no upfront cost[3]Buy or subscribe; Clover devices can't be used with other payment processors[6]iPad POS (iPad Stand) with Lightspeed payment terminals[10]SpotOn's own hardware only; included on All-In, bought or financed on POS Essentials[11]Apple iPads as handheld and countertop stations[13]
    PayoutsSame-day funding, with an instant funding optionNext business day at no charge; instant or same-day transfers 1.95% per transfer[2]Instant deposit option: funds typically within seconds, up to $5,000 a day[5]Rapid Deposit: funds within minutes of a card sale, 1.75% fee[8]Payouts on demand — deposits as soon as within a few hours, even on weekends[10]Varies — check current termsVaries — check current terms
    Contract & cancellationMonth-to-month, no cancellation fee; return the terminal if you leaveCancel or switch plans anytime; 30-day free trial on Plus and Premium[1]Varies — check current termsTerms and termination fees vary by provider (Clover Direct, banks, resellers); device subscriptions are non-cancelable[6]Varies — check current termsAll-In: 2-year minimum term and processing minimums; POS Essentials: month-to-month[11]Varies — check current terms
    Setup & menu buildFree menu build and data migration; remote setup by video callVaries — check current termsSelf-service install included; paid remote installation option[4]Varies — check current termsVaries — check current termsImplementation costs apply (custom menu build, installation, training)[11]Varies — check current terms
    SupportPeople, in English & Spanish, Mon–Fri 9 AM–6 PM ETChat and email on every plan; phone 6am–6pm PT Mon–Fri on Plus (first 90 days on Free), 24/7 on Premium[1]24/7/365 by phone or web messaging (Toast Care)[3]24/7/365 troubleshooting and support[6]24/7 support[9]24/7/365 technical support at no extra cost[11]24/7 by phone and email, including holidays[12]
    Offline modeOrders, cash, printing & KDS keep working; cards offline on Valor terminals onlyOffline payments on every plan; declined if not back online within 24 hours[1]Keeps taking orders, printing, and credit card payments until back online[3]Varies — check current termsOffline mode available[9]Varies — check current termsOffline mode: update and close out orders and accept offline payments[12]
    Cash discount programVaries — check current termsVaries — check current termsVaries — check current termsVaries — check current termsVaries — check current termsVaries — check current terms
    Business bankingEmbedded bankingSquare Banking (Square Checking) available[1]Toast Checking account available[5]Varies — check current termsVaries — check current termsVaries — check current termsVaries — check current terms

    Competitor facts are quoted from each vendor's own website as checked on October 24, 2026; the number after each one points to its source below. Prices and terms change — verify them on the vendor's site before you decide. Square, Toast, Clover, Lightspeed, SpotOn, and TouchBistro are trademarks of their respective owners; PalomaPOS is not affiliated with them.

    Sources (checked October 24, 2026)

    1. [1] Square: Square — Restaurant POS Pricing & Plans https://squareup.com/us/en/point-of-sale/restaurants/pricing
    2. [2] Square: Square Support Center — Set up and edit transfer options https://squareup.com/help/us/en/article/3807-deposit-options-with-square
    3. [3] Toast: Toast — Restaurant POS Pricing & Plans https://pos.toasttab.com/pricing
    4. [4] Toast: Toast — Starter Kits: pricing plans and FAQ https://pos.toasttab.com/shop/starter-kits
    5. [5] Toast: Toast — Instant deposit https://pos.toasttab.com/products/instant-deposit
    6. [6] Clover: Clover — POS System Pricing (FAQ) https://www.clover.com/pricing
    7. [7] Clover: Clover — Quick-service restaurant pricing https://www.clover.com/pricing/quick-service-restaurant
    8. [8] Clover: Clover — Full-service restaurant systems pricing https://www.clover.com/pricing/restaurant
    9. [9] Lightspeed: Lightspeed — Restaurant POS pricing https://www.lightspeedhq.com/pos/restaurant/pricing/
    10. [10] Lightspeed: Lightspeed — Restaurant payment processing https://www.lightspeedhq.com/pos/restaurant/payments/
    11. [11] SpotOn: SpotOn — Restaurant pricing https://www.spoton.com/pricing/
    12. [12] TouchBistro: TouchBistro — Pricing https://www.touchbistro.com/pricing/
    13. [13] TouchBistro: TouchBistro — Home page (hardware FAQ) https://www.touchbistro.com/

    Vendors change their prices and terms, and they can depend on your plan, location, and volume — verify current terms on the vendor's site before you decide. “Varies — check current terms” means we haven't verified a published figure.

    Read the full breakdowns: vs Square · vs Toast · vs Clover · vs Lightspeed · vs SpotOn · vs TouchBistro · vs Revel · vs Aloha · vs Oracle Simphony

    $0/month POS software with PalomaPOS processing

    Ready to grow your food business without the busywork?

    Book a free 15‑minute demo. We'll walk through your menu and your current processing statement — and answer every question, no pressure.

    No credit card required
    No long‑term contract
    Human support in English & Spanish

    Same‑day funding

    Get paid the same day, every day.

    Hardware at cost

    Or free placement for qualifying processing volume.

    Setup included

    Menu build, data migration, and staff training.

    Or email sales@palomapos.com