Softwr

E-Commerce · head to head

Swell Commerce vs Toast

Swell Commerce logo

Swell Commerce

E-Commerce

Headless ecommerce for modern brands

From
$29/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: Swell Commerce each plan carries an annual revenue ceiling, and exceeding it is charged as a percentage of the excess: 2 percent on Starter down to 0.4 percent on Unlimited; Toast starter tier lacks advanced features; most capabilities require paid plans above $69/month
  • They diverge on capability: Swell Commerce covers Headless architecture, Toast covers Point of sale.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Swell Commerce and Toast actually diverge.

Attributes where Swell Commerce and Toast differ
AttributeSwell CommerceToast
Starting price$29/monthFree
Pricing modelsubscriptionUnknown
Free tierNoYes
PlatformsWebWeb, iOS, Android, Tablets, Web browsers
Founded20192011

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 Swell Commerce

  • Headless architecture
  • GraphQL & REST APIs
  • Subscription commerce
  • Multi-currency support
  • Inventory management
  • Custom checkout
  • Webhook integrations
  • Developer-friendly SDK

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.

Swell Commerce

  • Running a headless commerce backend with APIs for a custom storefrontnot Toast
  • Selling subscription products alongside one off purchasesnot Toast
  • Operating multi currency stores from one commerce backendnot 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.

Swell Commerce

  • Each plan carries an annual revenue ceiling, and exceeding it is charged as a percentage of the excess: 2 percent on Starter down to 0.4 percent on Unlimited
  • Starter at $29 a month allows 2 admin users and includes only 100,000 API requests and 1GB of storage per month
  • Additional API requests cost $5 per 100,000 and extra storage $5 per GB
  • Role based permissions and developer support are restricted to the Unlimited plan at $2,250 a month
  • Advanced reports and priced currencies require the Standard plan or higher
  • Published prices are the billed yearly rates, so monthly billing costs more

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

Swell Commerce

$29/month
  • Starter$29/month
    • Up to $50K annual revenue
    • Basic reports
    • Up to 5 admin users
  • Basic$79/month
    • Up to $250K annual revenue
    • Most popular plan
    • Basic reports
  • Standard$299/month
    • Up to $1M annual revenue
    • Advanced reports
    • Up to 15 admin users
  • Unlimited$2250/month
    • Up to $5M annual revenue
    • Unlimited scalability and granular control
    • Unlimited admin users

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 Swell Commerce if

  • You need headless architecture.
  • You also want graphql & rest apis.
Swell Commerce 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 Swell Commerce or Toast better?
Neither clearly leads. Swell Commerce starts at $29/month and Toast at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Swell Commerce or Toast?
Toast has a free tier; the other does not. Paid plans start at $29/month for Swell Commerce and Free for Toast.
Does Swell Commerce or Toast run on more platforms?
Swell Commerce 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. Swell Commerce starts at $29/month.
What is Swell Commerce best used for?
Swell Commerce is most often used for running a headless commerce backend with apis for a custom storefront, selling subscription products alongside one off purchases, operating multi currency stores from one commerce backend. Of those, running a headless commerce backend with apis for a custom storefront and selling subscription products alongside one off purchases are not what Toast is typically brought in for.
What can Swell Commerce do that Toast cannot?
Swell Commerce covers Headless architecture, GraphQL & REST APIs, Subscription commerce, Multi-currency support. Toast covers Point of sale, Order management, Kitchen display system, Employee scheduling.

Answered from the vendors’ own pages

Swell Commerce: How much does Swell Commerce cost?

Swell offers four tiers starting at $29 per month for Starter and going up to $2,250 per month for Unlimited. Annual billing provides a 25% discount compared to monthly billing. All prices are in USD.

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
Swell Commerce: What are Swell's revenue tier overages?

Each plan includes a revenue ceiling based on 12-month trailing sales. Starter allows up to $50K with 2% overage, Basic allows $250K with 1.5% overage, Standard allows $1M with 1% overage, and Unlimited allows $5M with 0.4% overage. Custom plans are available for merchants exceeding $10M annually.

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
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
Share

Related pages

More on Swell Commerce

More on Toast

Keep looking

Other head to heads