Plans built around your food business
POS software is $0/month when you process with PalomaPOS. Menu build, data migration, and support are included. Processing is quoted from your current statement, and a cash discount program is available. Hardware is at cost — or free placement for qualifying processing volume.
Cash Discount
Program availableShow a cash price and a card price with compliant signage — the POS handles the math. We explain the card-network and state rules before you turn it on.
- $0/month POS software with PalomaPOS processing
- Free menu build + data migration
- Same-day payouts
- Offline mode for orders, cash payments & printing
- Compliance signage included
- Human support in English & Spanish
Standard Processing
Custom quoteYou cover card processing, priced from your current statement. A person reviews it for free and sends you a written quote.
- $0/month POS software with PalomaPOS processing
- Free statement review by a person
- Free menu build + data migration
- Same-day payouts
- Offline mode for orders, cash payments & printing
- Human support in English & Spanish
Not sure which plan fits? Call us or send your latest statement — a person reads it and replies with a quote.
Included with every plan
What comes with PalomaPOS processing.
PalomaPOS vs Square, Toast, Clover
Each vendor's published prices and terms, checked October 24, 2026. See full breakdowns: vs Square · vs Toast · vs Clover · all comparisons.
| Feature | PalomaPOS | Square | Toast | Clover |
|---|---|---|---|---|
| Monthly software fee | $0/month with PalomaPOS processing | Square 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] |
| In-person card rate | Custom quote from your current statement | Tap, 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] |
| POS hardware | At cost, or free placement for qualifying volume | Square 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] |
| Payouts | Same-day funding, with an instant funding option | Next 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] |
| Contract & cancellation | Month-to-month, no cancellation fee; return the terminal if you leave | Cancel or switch plans anytime; 30-day free trial on Plus and Premium[1] | Varies — check current terms | Terms and termination fees vary by provider (Clover Direct, banks, resellers); device subscriptions are non-cancelable[6] |
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, and Clover are trademarks of their respective owners; PalomaPOS is not affiliated with them.
Sources (checked October 24, 2026)
- [1] Square: Square — Restaurant POS Pricing & Plans https://squareup.com/us/en/point-of-sale/restaurants/pricing
- [2] Square: Square Support Center — Set up and edit transfer options https://squareup.com/help/us/en/article/3807-deposit-options-with-square
- [3] Toast: Toast — Restaurant POS Pricing & Plans https://pos.toasttab.com/pricing
- [4] Toast: Toast — Starter Kits: pricing plans and FAQ https://pos.toasttab.com/shop/starter-kits
- [5] Toast: Toast — Instant deposit https://pos.toasttab.com/products/instant-deposit
- [6] Clover: Clover — POS System Pricing (FAQ) https://www.clover.com/pricing
- [7] Clover: Clover — Quick-service restaurant pricing https://www.clover.com/pricing/quick-service-restaurant
- [8] Clover: Clover — Full-service restaurant systems pricing https://www.clover.com/pricing/restaurant
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.
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.
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