Restaurant POS

A Clover for every food business

Get Clover from SPSeast with better transaction fee and support that answers the phone. From cafés and quick-service counters to full service restaurant operations, we help you choose the setup that fits how you serve guests.

Tabit for full service Restaurants Compare with TOAST

Clover

Clover for restaurants, cafés, and food trucks.

Clover can work well for many food businesses — from small counters and cafés to growing restaurant operations. SPSeast gives better transaction fees than the fixed rate from Clover.com, personal support, and helps you choose the right device mix and payment setup.

Clover Flex
Handheld POS for line-busting, tableside payments, and flexible service on the floor.
Clover Mini
Compact countertop checkout for cafés, counters, and quick-service workflows.
Clover Duo
Full countertop POS for busy restaurants that need a larger screen and customer-facing display.

Compare before you commit

Compare your restaurant POS fees before you commit

Why Toast does not publish their transaction fees? Choosing a restaurant POS is not just about the software. It is also about transaction costs, support and flexibility. Compare before making a decision.

Transaction fees by payment type

Through SPSeast

SPSeast

Processing fees

In-person credit card1.2%–2.6% (avg. ~1.8%) + 10¢
In-person debit card~0.5% effective rate + 10¢
Keyed / online debit~1.3% + 10¢
Keyed / online credit card2.3%–3.3% (avg. ~2.6%) + 10¢

Clover.com

Processing fees

In-person credit card2.5% + 10¢
In-person debit card2.5% + 10¢ (flat rate)
Keyed / online debit3.5% + 10¢
Keyed / online credit card3.5% + 10¢

Toast

Processing fees

In-person credit card2.49%–3.09% + 15¢ · plan-dependent
In-person debit card2.49%–3.09% + 15¢ · plan-dependent
Keyed / online debit3.39% + 15¢ (Starter) · 3.50% + 15¢ (POS plan)
Keyed / online credit card3.39% + 15¢ (Starter) · 3.50% + 15¢ (POS plan)

Through SPSeast

SPSeast

Clover.com

Toast

Processing fees

In-person credit card1.2%–2.6% (avg. ~1.8%) + 10¢

In-person credit card2.5% + 10¢

In-person credit card2.49%–3.09% + 15¢ · plan-dependent

In-person debit card~0.5% effective rate + 10¢

In-person debit card2.5% + 10¢ (flat rate)

In-person debit card2.49%–3.09% + 15¢ · plan-dependent

Keyed / online debit~1.3% + 10¢

Keyed / online debit3.5% + 10¢

Keyed / online debit3.39% + 15¢ (Starter) · 3.50% + 15¢ (POS plan)

Keyed / online credit card2.3%–3.3% (avg. ~2.6%) + 10¢

Keyed / online credit card3.5% + 10¢

Keyed / online credit card3.39% + 15¢ (Starter) · 3.50% + 15¢ (POS plan)

Rates shown are public reference points or estimated ranges for discussion only. SPSeast pricing depends on review, approval, business type, and card mix—not every business qualifies for the lowest rate. Verify current Clover.com and Toast pricing before deciding.

If you bought your Clover equipment from any other source, we cannot reuse it.

At $20,000/month in card sales

A simple 2.1% gap can mean about $420/month left on the table instead of going to your business.

Estimate based on 2.6% vs. about 0.5% effective cost on many debit transactions.

Published Clover.com, Square, and Toast rates at a glance

SPSeast

Starting at 0.5%

Square

2.6% / 3.3% + fees

Clover.com

2.5% / 3.5% + fees

Toast

2.49%–3.09% / 3.39%–3.50% + fees

Rates shown are public reference points for discussion. SPSeast pricing depends on review, approval, and your card mix—not every business qualifies for the lowest rate.

Your costs at $50,000/month in card sales (estimate)

Square – flat rate (estimate)$1,300 – $1,650$1,475 avg.
Toast – plan-dependent (estimate)$1,250 – $1,700$1,500 avg.
Clover.com – flat rate (estimate)$1,250 – $1,650$1,450 avg.
SPSeast$250 – $1,500$875 avg.

Example ranges for comparison only. Final costs depend on business type, card mix, average ticket, software plan, and approved pricing.

Projected annual savings (estimate)

Up to

$16,800

Based on the monthly example above.

Does 0.5% feel small?

At smaller volumes it feels incremental.
At larger volumes it becomes strategic.

If your restaurant processes meaningful monthly card volume, seemingly small rate differences can quietly add up. Compare how a 0.5% or 1% improvement affects your monthly and annual costs before you commit to a POS and processing setup.

What a small rate change can mean

Monthly volume	0.5% savings	Yearly	1% savings	Yearly
$10,000	$50	$600	$100	$1,200
$50,000	$250	$3,000	$500	$6,000
$100,000	$500	$6,000	$1,000	$12,000
$1,000,000	$5,000	$60,000	$10,000	$120,000

Send us your current statement Book a pricing review

Full-service restaurants

Tabit for full-service restaurants

We partnered with Tabit so you can get the best POS for hospitality and the best transaction fee.

For restaurants that need more than a simple POS. In full-service environments, guest flow, staff workflows, and service coordination matter. Tabit can be a strong option for restaurants that need a more advanced front-of-house and service-oriented setup.