Softwr

E-Commerce · head to head

Stripe vs Toast

Stripe logo

Stripe

E-Commerce

Financial infrastructure for the internet

From
Free
Rated
-
Full reviewWebsite
Toast logo

Toast

E-Commerce

Cloud POS platform for restaurants and hospitality

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Stripe requires developer setup and API integration for most use cases; Toast starter tier lacks advanced features; most capabilities require paid plans above $69/month
  • They diverge on capability: Stripe covers Payment processing, Toast covers Point of sale.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Stripe and Toast actually diverge.

Attributes where Stripe and Toast differ
AttributeStripeToast
PlatformsWeb, iOS, AndroidWeb, iOS, Android, Tablets, Web browsers
Founded20102011

Identical on both: starting price (Free), pricing model (Unknown), free tier (Yes), 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 Stripe

  • Payment processing
  • Subscription billing
  • Invoicing
  • Terminal (in-person payments)
  • Fraud prevention
  • 3D Secure
  • Global payouts
  • Financial reporting

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.

Stripe

  • Online paymentsnot Toast
  • Subscription managementnot Toast
  • Marketplace paymentsnot Toast
  • Global expansionnot Toast
  • Platform monetizationnot 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.

Stripe

  • Requires developer setup and API integration for most use cases
  • Dispute fee of $15 per chargeback is standard industry cost
  • Limited offline payment capabilities

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

Stripe

Free

No published plan breakdown. See the Stripe review.

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 Stripe if

  • You need payment processing.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want subscription billing.
Stripe 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 Stripe or Toast better?
Neither clearly leads. Stripe starts at Free and Toast at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Stripe or Toast?
Stripe starts at Free and Toast at Free.
Does Stripe or Toast run on more platforms?
Stripe runs on Web, iOS, Android. Toast runs on Web, iOS, Android, Tablets, Web browsers.
Can I use Stripe for free?
Both have a free tier, so you can try either at no cost before committing.
What is Stripe best used for?
Stripe is most often used for online payments, subscription management, marketplace payments, global expansion. Of those, online payments and subscription management are not what Toast is typically brought in for.
What can Stripe do that Toast cannot?
Stripe covers Payment processing, Subscription billing, Invoicing, Terminal (in-person payments). Toast covers Point of sale, Order management, Kitchen display system, Employee scheduling.

Answered from the vendors’ own pages

Stripe: What are Stripe's transaction fees?

Standard US rates are 2.9% plus 30 cents for online card payments, 2.7% plus 5 cents for in-person, 3.4% plus 30 cents for keyed/phone transactions, and 0.8% capped at $5 for ACH payments.

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
Stripe: How many currencies and countries does it support?

Stripe accepts 135+ currencies and supports payment acceptance in 40+ countries through Stripe Connect, enabling sellers to onboard and receive payouts in minutes.

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
Stripe: What payment methods are supported?

Stripe supports dozens of payment methods including credit/debit cards, ACH transfers, and local payment options, with additional support through partnerships with Meta and Google.

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
Stripe: Are there monthly fees or contracts?

No. Stripe charges no monthly fees or contracts, only per-transaction fees and dispute fees, making costs fully transparent and variable.

Source
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