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Toast

Toast

Restaurant Payments

VS

Stripe

SaaS & Developers

Stripe
Fees from
2.49% + $0.15 per transaction vs 2.9% + $0.30
Features

1 shared

5 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

4 shared

1 unique to Toast · 16 unique to Stripe
On settlement

Toast settles in 1–2 business days; Stripe settles in 2–4 business days. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Toast Toast
Stripe Stripe
Quick Facts
Fees
Standard transaction rate
2.49% + $0.15 per transaction
2.9% + $0.30
Settlement
Time to receive funds
1–2 business days
2–4 business days
Founded
2012
2010
Headquarters
Boston, Massachusetts
South San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
—
✓
Enterprise
✓
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Stripe leads (20 vs 5)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Diners Unique
—
✓
Discover Unique
—
✓
Gift Card Unique
✓
—
Google Pay
✓
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Mastercard Unique
—
✓
Paypal Unique
—
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Stripe leads (7 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓

Toast is best when you...

Restaurant Payments
View Toast

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Toast
Need Instant Payout
Not available with Toast
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Oceania
Toast doesn't cover these regions
View Stripe

Frequently Asked Questions

What is the difference between Toast and Stripe?
Toast is best for Restaurant Payments, while Stripe is best for SaaS & Developers. Toast charges 2.49% + $0.15 per transaction and Stripe charges 2.9% + $0.30. They differ in supported features, regions, and payment methods.
Which is cheaper, Toast or Stripe?
Toast charges 2.49% + $0.15 per transaction while Stripe charges 2.9% + $0.30. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Toast and Stripe together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Toast and Stripe can complement each other.
How do Toast and Stripe differ in their focus?
Toast is focused on Restaurant Payments, while Stripe focuses on SaaS & Developers. They serve different market segments with different strengths.

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