POS systems for full service restaurants
Coursing, seat numbers and tip pooling. Here is what actually matters in this room, and how the major systems handle each of it.
What this room needs from a POS
Coursing and fire timing
Appetisers fired, mains held, the table turned on time. A system that cannot hold and fire by course turns your expo into the bottleneck.
Seat numbers that survive a split check
Six people, one check, then four checks at the end. If seat level ordering is an afterthought your servers will work around it and your data will be worthless.
Tip pooling with an audit trail
Declarations at clock out, distribution calculated by the system, hours against tips per employee per period. This is a payroll compliance question, not a convenience feature.
Handhelds that actually get used
Firing from the table rather than walking to a station is the single change full service owners feel most. It only works if the hardware is fast and the staff trust it.
What the major systems charge
| System | Software | Card present rate | Contract | The part they lead with least |
|---|---|---|---|---|
| Toast | $0 to $69per terminal, reported | 2.49% to 3.69%+ 15c, reported | 1 to 3 years | The rate climbs with add-ons. Online ordering and delivery move Starter Kit from 3.09% to 3.39%, and gift cards and loyalty take it to 3.69%. That higher rate then applies to every order, not just the online ones. Processing is mandatory and hardware is locked to Toast. |
| Square | $0 / $49 / $149per location, published | 2.6% / 2.5% / 2.4%+ 15c, published | None | The free plan carries the highest rate. Above roughly $25,000 a month in card volume it costs more than the paid one. Kitchen display and kiosk are excluded from free. |
| Clover | $89.95 to $129.85plus $849 to $4,447 hardware, reported | Set by the reseller | 36 months | Your rate depends entirely on who sold it to you, and identical hardware carries very different pricing from different sellers. Read who owns the equipment before signing. |
| Geniuswas Vital | $0 / $42 / $129published | 2.6% + 10cpublished | 3 years | Their own footnote requires a three year term, 4% cash discounting and $250,000 a year in volume, and mentions an early termination fee. Their pricing page asks about termination fees and then does not answer it. |
| Shift4 DineWe install this | $29.99per terminal, published | Interchange plusmarkup shown in writing | 36 months | What a rep will not lead with: there is a $250 annual program fee per device, an annual regulatory fee, and a yearly escalator on a 36 month agreement. We put all of it in the quote. What you get is a rate where the processor's margin is visible instead of blended into one number. |
Square, Genius and Shift4 figures are published by those vendors and were read on their own pages on 8 August 2026. Toast and Clover figures are reported by Merchant Maverick, Expert Market, POSUSA, business.com and KORONA POS, cross checked against at least two independent sources each, because neither vendor publishes them. Software units differ: Square prices per location, Toast and Shift4 per terminal, Clover per device. Rates change without notice. General guidance, not legal, tax or accounting advice.
Questions owners ask
Which system do you recommend here?
It depends on your volume and your service style, and we will not pretend one answer fits every room. Send your numbers and we will name two, including when neither is something we sell.
What will it cost?
Run your own figures through the fee calculator for a published rate comparison, then send a statement and we will work out your real effective rate for free.
Have your own numbers checked
Send last month's statement. We read it with you, free, and tell you straight whether we are the ones to fix it.
Send your numbers
About a minute. It goes straight to the Equip team.
It reaches Judd Alsup and the Equip team. If we have a crew near you, that is who calls. If we do not, Judd handles it himself. We never ask for card or bank details on this site.