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Honest Comparison

Renegade vs Toast:
An Honest Comparison

We'll show you exactly how we stack up — and where Toast might actually be the better fit for restaurants.

Head-to-Head

Feature-by-feature breakdown

A side-by-side look at how Renegade and Toast compare across core metrics.

ComparisonSwipe to compare
Feature
Renegade
Interchange+
Toast
Pricing ModelInterchange-plusFlat rate
In-Person RateIC + 0.20% + $0.082.49% + $0.15
Online RateIC + 0.30% + $0.153.09% + $0.15
Monthly Fee$0$0 – $69+
ContractsNone — cancel anytimeYes — 2-year typical
Early Termination Fee$0$500+ (varies)
PCI Compliance Fee$0 (included)$0 (included)
Funding SpeedNext-day1–2 business days
Hardware CostFree terminal program$0 upfront (pay-as-you-go) or $799+ purchased
Customer SupportDedicated account manager24/7 support
Best ForLowest rates & no contractsRestaurants wanting all-in-one POS
Effective Rate on $25K/mo~2.00% ($500)~3.04% ($760)
The Full Picture

Where each processor wins

We believe in honesty. Here's where Toast has the edge — and where we do.

Where Toast Wins

Restaurant-specific platform

Purpose-built for restaurants with kitchen display systems, online ordering, table management, and payroll — all under one roof.

148,000 restaurant locations

The dominant restaurant POS in America. Their network effects mean constant feature improvement driven by restaurant feedback at massive scale.

Purpose-built POS

Kitchen display, menu management, tip pooling, shift scheduling, inventory — everything a restaurant needs in a single integrated system.

Online ordering built in

Direct online ordering that avoids third-party commission fees. Integrated with the POS for real-time kitchen management.

Restaurant loyalty & marketing

Built-in loyalty program and email marketing specifically designed for repeat restaurant customers.

Where Renegade Wins

No contracts

Toast typically locks you into a 2-year contract. Renegade is month-to-month — we earn your business every day, not through legal lock-in.

Lower rates — $260/month on $25K

Toast charges ~$760 on $25K volume. Renegade charges ~$500. That's $260/month ($3,120/year) saved without changing anything else.

No early termination fee

Toast can charge $500+ if you leave before your contract ends. With Renegade, you can leave any time with zero penalties.

Transparent pricing

Toast uses flat-rate pricing that bundles their margin into every swipe. We show you interchange cost vs our markup on every transaction.

Works for ALL industries

Toast is restaurants only. Renegade works for retail, services, e-commerce, healthcare — any business that accepts cards.

Built for empathy and merchant empowerment.

Real Savings

Savings by monthly volume

Here's what restaurants actually save when switching from Toast to Renegade, based on typical card-present mixes.

SavingsSwipe to compare
Monthly VolumeToast Cost
Renegade
Cost
Monthly SavingsAnnual Savings
$10,000$304$200$104$1,248
$25,000$760$500$260$3,120
$50,000$1,520$1,000$520$6,240
$100,000$3,040$2,000$1,040$12,480
Merchants Who Switched

Still not sure? Hear from merchants who left Toast.

"Toast locked us into a 2-year contract, then raised our rates 6 months in. When the contract finally ended, we switched to Renegade. We're saving $520/month and we're not locked in anymore."

CM
Carlos Mendez
Owner, Casa Mendez — $50K/mo volume

"I loved Toast's POS features but the processing rates were killing my margins. Renegade set us up with a compatible POS and cut our processing costs by 35%. I kept the features and lost the fees."

LH
Lisa Huang
Owner, Jade Garden — $28K/mo volume

"The early termination fee with Toast was $800. I waited out my contract, then switched to Renegade. Best decision I made — I'm saving $3,000+ per year with zero commitment."

JP
James Park
Owner, Park's BBQ — $35K/mo volume
Ready to Save?

See your exact savings in 30 seconds

Upload your current statement or tell us your monthly volume. We'll show you exactly how much you'd save switching from Toast.