Softwr

E-Commerce · head to head

Authorize.net vs Toast

Authorize.net logo

Authorize.net

E-Commerce

We help make it easy to get paid

From
$25/month
Rated
-
Full reviewWebsite
Toast logo

Toast

E-Commerce

Cloud POS platform for restaurants and hospitality

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Toast has a free tier, so it costs nothing to try first.
  • Each has a real cost: Authorize.net all-in-One plan charges 2.9% + 30¢ per card transaction, higher than Gateway-only rate of 10¢ + batch fee; Toast starter tier lacks advanced features; most capabilities require paid plans above $69/month
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Authorize.net and Toast actually diverge.

Attributes where Authorize.net and Toast differ
AttributeAuthorize.netToast
Starting price$25/monthFree
Pricing modelsubscriptionUnknown
Free tierNoYes
PlatformsWebWeb, iOS, Android, Tablets, Web browsers
FoundedUnknown2011

Identical on both: user rating (Not yet rated), category (E-Commerce).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Authorize.net

Nothing recorded that Toast does not also cover.

Only in Toast

  • Point of sale
  • Order management
  • Kitchen display system
  • Employee scheduling
  • Customer management
  • Inventory tracking
  • Analytics & reporting
  • Delivery integration

What people use each for

The jobs each tool is most often brought in to do.

Authorize.net

  • E-commerce payment processingnot Toast
  • Recurring billing and subscription managementnot Toast
  • Multi-channel payment acceptancenot Toast

Toast

No use cases recorded yet. See the Toast review.

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Authorize.net

  • All-in-One plan charges 2.9% + 30¢ per card transaction, higher than Gateway-only rate of 10¢ + batch fee
  • Gateway + eCheck plan limited to U.S.-based businesses only
  • eCheck processing includes $10 minimum monthly fee on Gateway + eCheck plan
  • Chargeback fees apply: $0 for standard processing but $25 for eCheck chargebacks

Toast

  • Starter tier lacks advanced features; most capabilities require paid plans above $69/month
  • No free tier for advanced features like employee scheduling, inventory, or loyalty programs
  • Setup and training time required for complex multi-location deployments
  • Payment processing tied to Toast ecosystem; limited flexibility for alternative payment processors
  • Hardware costs can be substantial for full-featured setups with multiple terminals and kitchen displays

Pricing, plan by plan

Authorize.net

$25/month
  • All-in-One$25/month
    • Merchant account and payment gateway
    • Transaction rate 2.9% + 30¢ per transaction
    • Multiple payment types (cards, Apple Pay, Google Pay)
  • Gateway Only$25/month
    • Payment gateway only
    • For existing merchant account holders
    • Transaction rate 10¢ per transaction + 10¢ daily batch fee
  • Gateway + eCheck$25/month
    • Payment gateway with eCheck support
    • eCheck rate 0.75% per transaction
    • Credit card rate 10¢ per transaction + 10¢ daily batch fee

Toast

Free
  • Starter KitFree
    • Cloud-based POS
    • Payment processing
    • 1-2 terminals
  • Point of Sale$69/month
    • Custom hardware configurations
    • Advanced reporting
    • Core POS features

Which should you pick?

Choose Authorize.net if

Nothing in the data separates Authorize.net from Toast on the points above - pick on price and on how each one feels to use.

Authorize.net review

Choose Toast if

  • You need point of sale.
  • You want to start without paying.
  • You work on Web, iOS, Android, Tablets, Web browsers.
  • You also want order management.
Toast review

Questions people ask

Is Authorize.net or Toast better?
Neither clearly leads. Authorize.net starts at $25/month and Toast at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authorize.net or Toast?
Toast has a free tier; the other does not. Paid plans start at $25/month for Authorize.net and Free for Toast.
Does Authorize.net or Toast run on more platforms?
Authorize.net runs on Web. Toast runs on Web, iOS, Android, Tablets, Web browsers.
Can I use Toast for free?
Yes. Toast has a free tier, so you can try it without paying. Authorize.net starts at $25/month.
What is Authorize.net best used for?
Authorize.net is most often used for e-commerce payment processing, recurring billing and subscription management, multi-channel payment acceptance. Of those, e-commerce payment processing and recurring billing and subscription management are not what Toast is typically brought in for.
What can Authorize.net do that Toast cannot?
Toast covers Point of sale, Order management, Kitchen display system, Employee scheduling.

Answered from the vendors’ own pages

Authorize.net: How much does Authorize.net cost?

Authorize.net charges a $25/month gateway fee across all plans. Transaction rates vary: All-in-One plan charges 2.9% + 30¢ per card transaction, Gateway-only plan charges 10¢ per transaction + 10¢ daily batch fee, and Gateway + eCheck charges 0.75% for eCheck or 10¢ + 10¢ batch for credit cards.

Source
Toast: What is the cost of Toast POS?

Toast offers a free Starter Kit tier for one or two terminals with POS and payment processing at no upfront cost, though costs are built into payment processing rates. Paid plans start at $69/month for the Point of Sale plan, with Custom tier available via quote for advanced features.

Source
Authorize.net: Are there any setup or termination fees?

No setup fee or early termination fee applies to any Authorize.net plan. You can cancel your account without penalty once service usage stops.

Source
Toast: Does Toast include online ordering?

Yes. Toast offers online ordering capabilities where customers can order via QR code while seated (Order & Pay) or through standalone online ordering integrated with the POS for kitchen automation.

Source
Authorize.net: What are the additional fees beyond the monthly gateway charge?

Beyond the $25/month fee, additional charges include Account Updater service at $0.25 per update, standard chargeback fees at $0 (but $25 for eCheck chargebacks), and returned item fee of $3 for eCheck payments. eCheck processing includes a $10 minimum monthly fee.

Source
Toast: Does Toast offer drive-through capabilities?

Yes. In April 2026, Toast launched a drive-thru product supporting voice ordering through integrations, allowing restaurants to automate drive-through workflows.

Source
Authorize.net: What payment types does Authorize.net accept?

Authorize.net accepts credit cards, Apple Pay, Google Pay, and eCheck payments (Gateway + eCheck plan and higher). All plans include automated recurring billing, customer information manager, digital invoicing, and advanced fraud detection.

Source
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