OnPay vs Toast POS: which one fits your business?
Side-by-side comparison of OnPay and Toast POS — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: OnPay wins on our scorecard (8.3/10 vs 7.7/10).
| Scored on | OnPay | Toast POS |
|---|---|---|
| Right fit for small biz | 9 | 9 |
| Ease of use | 8 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 7 | 7 |
| Features | 8 | 9 |
| Base Monthly Fee | $40.00 | — |
| Per Employee/Contractor | $6.00 | — |
| Tax Filing Fees | $0.00 | — |
| Setup Fee | $0.00 | — |
| Starter Kit | — | $0/mo (plus higher processing) |
| Standard POS Plan | — | $69/mo |
| Processing Fee | — | Varies (typically 2.49% + $0.15) |
| Installation | — | Starts at $499 |
OnPay in one paragraph
OnPay is the best value in full-service payroll for small businesses that want predictable pricing and zero hidden fees for tax filings.
Skip it if: You need 24/7 customer support or a dedicated mobile app for managing payroll on the go.
Toast POS in one paragraph
The most powerful restaurant-specific POS on the market, provided you can handle being locked into their ecosystem.
Skip it if: You run a low-volume retail shop or a seasonal business that can't justify high monthly software fees during the off-season.
Frequently asked questions
Which is better, OnPay or Toast POS?
On our five-axis scorecard, OnPay scores higher (8.3/10 vs 7.7/10). OnPay is the best value in full-service payroll for small businesses that want predictable pricing and zero hidden fees for tax filings.
Who should skip OnPay?
You need 24/7 customer support or a dedicated mobile app for managing payroll on the go.
Who should skip Toast POS?
You run a low-volume retail shop or a seasonal business that can't justify high monthly software fees during the off-season.