Real Store Cost Examples
Three real scenarios. Actual numbers. See what TORO costs compared to Square and Clover for stores like yours.
The higher your volume, the more you save with TORO
Square and Clover charge a percentage of every sale -- so their costs scale up with your revenue. TORO's flat monthly fee stays the same whether you sell $30,000 or $300,000 per month.
Small Shop
$30,000/month sales -- 1 terminal -- 1-2 employees
Monthly Sales
$30,000/mo
Terminals
1
Employees
1-2
| Cost Category (3-Year) | TORO | Square | Clover |
|---|---|---|---|
| Initial Software | $5,000 | $0 | $0 |
| Monthly Software (36 mo) | $4,284 | $3,888 | $2,700 |
| Transaction Fees (36 mo) | $0* | $28,080 | $24,840 |
| Additional Hardware | $0** | $0 | $0 |
| Total 3-Year Cost | $9,284 | $31,968 | $27,540 |
*With fee pass-through enabled. Processing costs passed to customer. Retailer pays $0 in transaction fees.
Save $18,256 - $22,684 over 3 years
Compared to Square and Clover with this store profile.
Why Volume Matters
Percentage-based processors take more money the more you sell. TORO's flat fee stays the same.
All figures represent 3-year total cost. TORO with fee pass-through enabled.
Assumptions and Methodology
- TORO software: $5,000 one-time + $119/month. Second terminal adds $5,000 one-time.
- Square: $49/month for Plus plan (comparable feature set with inventory management). Transaction fees at 2.5% + $0.15 per transaction.
- Clover: $49.95/month for Standard plan. Transaction fees at 2.3% + $0.10 per transaction.
- All transaction fee calculations assume 100% credit card volume for maximum comparison clarity. Actual results vary based on your cash/credit mix.
- *TORO with fee pass-through enabled: processing cost passed to customer. Retailer pays $0 in transaction fees.
- **TORO hardware (PC, touchscreen, scanner, printer, drawer) is purchased separately and varies. Not included in software cost for fair comparison.
For detailed industry rate data, see our industry average rates analysis.
Find Your Store's Savings
Get a custom cost comparison based on your actual sales volume and store setup.