SkyTab or Toast for your restaurant?

Both are built for restaurants, and both can run a busy dining room well. The biggest difference is who controls your payments, and what that means for your rate, your contract and your hardware.

Compare with your own statement

The short version

What to know first

Toast runs your payments

Toast processes the payments for its own system, so the POS and the processing come as one package.

SkyTab separates the two

SkyTab's processing is set by the provider you sign with, so you can see the pricing line by line and compare it.

Read the fine print on both

Term length, auto-renewal, early termination and who owns the hardware matter as much as the rate.

What to compare	Toast	SkyTab
Built mainly for	Restaurants	Restaurants and bars
Pay at the table	Yes, with handhelds	Yes, with handhelds
Online ordering	Yes	Yes, from your own website
Who sets your processing rate	Toast	The provider you sign with
Can you shop the processing?	No, payments run through Toast	Yes

Feature summary checked October 2026. Toast pricing details: Toast pricing page. Features and pricing change, so we confirm current details during your review.

Comparing them with your own numbers

Pull last month's statement and add up every fee: processing, software, hardware payments and add-ons. Divide by your card sales to get your effective rate.

Check your agreement for the term, auto-renewal and any early termination fee, so you know what leaving would cost before you decide.

Then compare the same month on SkyTab, with your real card mix and the features you use. We put it in writing so you can decide on facts.

When Toast still makes sense

You're early in a Toast contract with a large early termination fee
Your costs are in line with your volume and your staff knows the system
You rely on Toast features that matter to your setup

When SkyTab is worth a look

Your effective rate looks high for your volume
Your Toast contract is up for renewal or close to it
You're opening a new location and want to compare before buying hardware
You want to see your processing pricing line by line

Options

What to compare

SkyTab POS

Pay at the table, kitchen displays and online ordering on one system.

Learn more

Toast alternatives

Every option worth comparing if Toast isn't working for you.

Learn more

Free statement review

Send your Toast statement and see every fee, line by line.

Learn more

FAQ

Common questions

Can I keep Toast and change processors?

Generally no. Toast processes payments for its own system, so changing processors means changing systems.

Will switching interrupt service?

It shouldn't. We build your menu ahead of time, train staff and go live around your slow hours.

What about time left on my Toast contract?

Send us your agreement and we'll go over the early termination terms with you, so you know the full cost before deciding.

What do I need for a comparison?

A recent monthly Toast statement with all pages. A PDF or clear photos are fine.

Ready to get your money right?

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$500 guarantee: Requires a recent processing statement from your current provider. See guarantee terms.