Jake Tech Lab

Toast vs PayPal Zettle

Toast comes out ahead of PayPal Zettle on 4 of the 6 things that decide this, going by what each company publishes and what independent review sites report. The one that matters for you may be one the leader loses.

ToastWinner
Toast
7.2
Good
4 of 6 rounds
vs
PayPal Zettle
PayPal Zettle
6.7
Fair
1 of 6 rounds

The verdict

Toast takes it, 4–1 on rounds.

On the published figures and the independent review sites, Toast takes 4 of 6 rounds. Treat that as a starting point and check the current figures on both pages, because prices and plans move.

Choose Toast if…

  • • You want Toast's edge on who picks up when the till is down and what customers say on trustpilot

Choose PayPal Zettle if…

  • • You want PayPal Zettle's edge on how long you are locked in

Round by round

  1. Round 1Who picks up when the till is downToast wins
    Toast8/10

    24/7 support

    Toast Care is included in every software subscription, by phone or web messaging

    Source: pos.toasttab.com ↗

    PayPal Zettle5/10

    9:00 am - 5:00 pm on weekdays (no timezone)

    Zettle help center contact page (PayPal brand); PayPal US/USD pages state no Zettle support hours at all

    • phone and chat 6am to 6pm PT daily, against 24/7 support

    Source: zettle.com ↗

    Toast wins this round on independent review-site data, not on its own claims.

  2. Round 2How long you are locked inPayPal Zettle wins
    Toast5/10

    2 to 3 years

    auto-renewing, with early termination fees; the low end is used

    • 2 to 3 years, against No contract

    Source: posusa.com ↗

    PayPal Zettle8/10

    No contract

    no termination fees

    Source: posusa.com ↗

    PayPal Zettle wins this round on independent review-site data, not on its own claims.

  3. Round 3What customers say on TrustpilotToast wins
    Toast8/10

    2.7 out of 5

    TrustScore from 1,489 reviews on Trustpilot

    Source: trustpilot.com ↗

    PayPal Zettle5/10

    1.4 out of 5

    TrustScore from 41,713 reviews on Trustpilot

    • 1.4 out of 5, against 2.7 out of 5

    Source: trustpilot.com ↗

    Toast wins this round on independent review-site data, not on its own claims.

  4. Round 4What it costs to get a card readerToast wins
    Toast8/10

    $0 upfront for first device

    Starter Kit (Pay-as-you-Go), restaurant

    Source: pos.toasttab.com ↗

    PayPal Zettle5/10

    $29 first reader (then $79)

    PayPal Point of Sale (formerly Zettle), no monthly fee

    • $29 first reader (then $79), against $0 upfront for first device

    Source: paypal.com ↗

    Toast wins this round on what the published sources say.

  5. Round 5Selling when the internet dropsToast wins
    Toast8/10

    Offline mode takes cards

    Starter Kit (Pay-as-you-Go), restaurant

    Source: pos.toasttab.com ↗

    PayPal Zettle5/10

    Only via third-party SDK apps

    PayPal Point of Sale (formerly Zettle), no monthly fee

    • Only via third-party SDK apps, against Offline mode takes cards

    Source: paypal.com ↗

    Toast wins this round on what the published sources say.

  6. Round 6What the software costsTie
    Toast7/10

    Starter Kit from $0/mo

    Starter Kit (Pay-as-you-Go), restaurant

    Source: pos.toasttab.com ↗

    PayPal Zettle7/10

    No monthly fee

    PayPal Point of Sale (formerly Zettle), no monthly fee

    Source: paypal.com ↗

    Nothing to separate them here.

PayPal ZettlePayPal Zettle

Side by side

Overall score
7.2
Best
6.7
Price
See price
See price
What the software costs
7.2
7.7
What customers say on Trustpilot
6.7
5.0
Who picks up when the till is down
7.4
5.8
How long you are locked in
5.8
8.0
What it costs to get a card reader
7.8
7.4
Head-to-head findings
What the software costs
Starter Kit from $0/mo
$0
What customers say on Trustpilot
2.7 out of 5
1.4 out of 5
Who picks up when the till is down
24/7 support
9:00 am - 5:00 pm on weekdays (no timezone)
How long you are locked in
2 to 3 years
No contract
What it costs to get a card reader
$0 upfront for first device
$29
What the top plan costs
Point of Sale from $69/mo
—
What each card sale costs
—
2.29% + 9¢
Selling when the internet drops
Offline mode takes cards
Only via third-party SDK apps
Record
Head-to-head record
9–0
4–2
Head-to-heads won
100 %
67 %
Rounds won
58 %
49 %
Pros
    • every day, phone and online chat
    Cons
    • 2 to 3 years, against No contract
    • 2.7 out of 5, against 3.7 out of 5
    • 2-year agreement (Pay-as-you-Go), against Cancel anytime
    • 2 to 3 years, against 12 months
    • 1.4 out of 5, against 3.7 out of 5
    • Only via third-party SDK apps, against Offline payments on every plan
    • phone and chat 6am to 6pm PT daily, against 24/7 support
    • 1.4 out of 5, against 2.7 out of 5
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