Clay Pay vs Toast

Toast is the dominant full-service restaurant POS in the US, around 24% market share concentrated in restaurants, with the average Toast location doing roughly $1.5M annually. Clay Pay does not sell Toast. The question is whether your processing should stay locked inside Toast Payments at Toast's bundled rates, or move to interchange-plus on one of the restaurant POS systems Clay Pay does sell (SkyTab, Union, Figure, TableTurn, or Clover). For restaurant operators trying to bring processing cost close to zero, the bigger lever is dual pricing or cash discount built into the menu, which we set up as a compliant program. That math beats any rate comparison.

Pick Clay Pay if

• You want POS choice, SkyTab, Union, Exatouch, or Clover, tuned to your concept
• Annual processing is over $1M and Toast's bundled processing margin is leaving money on the table
• You run a non-restaurant concept (retail, c-store, salon) where Toast doesn't fit
• You want interchange-plus pricing with the math spelled out per statement
• You need direct phone support with a named account rep, not Toast's tiered support

Pick Toast if

• You're a full-service restaurant doing $750K+ annually with depth in tips, kitchen routing, multi-location
• You like Toast's all-in-one bundle (POS + payments + marketing + payroll)
• You're already deep in the Toast ecosystem and the migration cost outweighs savings
• You want Toast's specific kitchen display system and online ordering integration
• You're a multi-unit chain that's standardized on Toast's enterprise tooling