Software plus card processing
What you would pay per month for software and card processing together: iRetail PRO on your own processor at its interchange-plus rate, against Square and Toast at the rates they publish.
Per month
Estimate, not a quote| Compare with | Software | Card processing | Total |
|---|---|---|---|
| iRetail PRO 2% + 0¢ per payment |
$1,279.00 | $20,000.00 | $21,279.00 $255,348.00 per year |
| Square Premium 2.4% + 15¢ per payment |
$745.00 | $28,999.95 | $29,744.95 $356,939.40 per year |
| Toast Point of Sale 2.49% + 15¢ per payment |
≥ $345.00 | $29,899.95 | ≥ $30,244.95 $362,939.40 per year |
- $8,465.95 a month less than Square Premium ($101,591.40 a year).
- $8,965.95 a month less than Toast Point of Sale ($107,591.40 a year).
≥ — at least: further terminals, handhelds and kitchen screens cost extra at prices not published.
$1,000,000.00 of card sales in about 33,333 payments a month.
iRetail PRO software
| 20 registers | $833.00 |
|---|---|
| 4 further stores | $156.00 |
| Stock+ and Inventory × 5 | $145.00 |
| Analytics × 5 | $145.00 |
| Total | $1,279.00 |
Where the numbers come from
- Card-present rates and software plans as Square's and Toast's pages showed them; Toast's paid plan and its pay-as-you-go range from a review, its terminals beyond the first unpublished.
- Toast's pay-as-you-go range is 3.09–3.69 % + 15¢; the low end is used so Toast is never made to look dearer.
- Hardware, online payments, payroll and add-ons are left out on every side.
- Our prices come from the price list on Pricing.
| Compare with | Software | Card processing | Source |
|---|---|---|---|
| Square Free | $0 | 2.6% + 15¢ per payment | squareup.com (vendor's page, read 2026-10-18) |
| Square Plus | $49 | 2.5% + 15¢ per payment | squareup.com (vendor's page, read 2026-10-18) |
| Square Premium | $149 | 2.4% + 15¢ per payment | squareup.com (vendor's page, read 2026-10-18) |
| Toast Starter Kit (pay as you go) | $0 | 3.09% + 15¢ per payment | pos.toasttab.com (vendor's page, read 2026-10-18); nerdwallet.com (review, read 2026-10-18) |
| Toast Point of Sale | $69 | 2.49% + 15¢ per payment | pos.toasttab.com (vendor's page, read 2026-10-18); nerdwallet.com (review, read 2026-10-18) |
This is an estimate, not a quote. Vendors change their rates; check each source before you decide.