What would your shop really pay?
Software, hardware and card processing, added up over one, three and five years. Tell us a little about your shop and see SnapPOS next to Square, Clover and Toast.
Total cost
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Estimates, not quotes. Competitor prices were checked on October 24, 2026 from their public pricing pages: Square (Free $0 and Plus $49 a month per location; 2.6% + 15¢ and 2.5% + 15¢ in person), Clover (Retail Growth: Station Duo $1,899 + $84.95/mo; Restaurant Growth: $1,799 + $89.95/mo; 2.3% + 10¢ in person) and Toast (Starter Kit $0/mo, Point of Sale plan $69/mo). Toast doesn't publish its card rates; the 3.09% + 15¢ and 2.49% + 15¢ used here are the widely reported rates for those plans. Card readers, Square or Toast hardware, extra Clover devices, online orders, taxes and add-ons beyond what's listed are left out for everyone. Your real card cost depends on the cards your customers use, and with SnapPOS the processor (and its rate) is yours to choose. More on that below. SnapPOS hardware kits start at $500 per checkout.
The card rate is the biggest number. SnapPOS lets you shop it.
With Square, Clover or Toast, the processor comes with the register, so their rate is the rate. SnapPOS isn't tied to any processor. You choose the one that fits your shop, and you can change it later without replacing your POS.
What the market looks like
Flat-rate plans in this calculator run 2.3% to 3.09% plus 10¢ to 15¢ a sale. Published interchange-plus pricing from US processors starts around 0.40% + 8¢ over cost for small shops and drops as low as 0.15% + 6¢ for high volume. Some charge no markup at all and bill a monthly membership instead.
What "cost" means
Interchange is what Visa, Mastercard and the card-issuing bank charge on every sale, and every processor pays it. It depends on the cards your customers carry: debit is cheap, rewards and business cards cost more. For many shops it works out somewhere around 1.5% to 2%.
We'll help you compare
We can quote you processing ourselves, and we'll also read a quote you got somewhere else. Send us your last statement and we'll show you what you're paying today and where the savings are.
About card rates. You choose your own card processor and sign your own agreement with them. Rates, fees and approval are set by that processor and depend on your business type, volume and card mix, so your real cost will differ from these estimates. SnapPOS card payments run through Datacap-certified processors and terminals; ask us whether yours is supported. Market figures are from processors' public pricing pages, checked October 24, 2026.
Bring your statement. We'll do the math with you.
These are estimates. Twenty minutes with your last card statement and we can tell you what you'd actually pay, and whether switching is worth it. Coming from Square, Clover or Toast? Here's what changes.