Hillary Crawford writes about small-business software at NerdWallet and is certified in QuickBooks Online and web design. Her previous roles include news writer and associate West Coast editor at Bustle Digital Group, where she helped shape news and tech coverage. She's appeared on Cheddar News and also worked as a policy contributor for GenFKD. Hillary earned a bachelor's degree with high honors in political science from the University of Michigan.
Email: <a href="mailto:hcrawford@nerdwallet.com">hcrawford@nerdwallet.com</a>.
Karrin Sehmbi is an editor and content strategist on the small-business team. She has covered small-business software and lending since 2022 and has more than sixteen years of editorial experience in the fields of educational publishing, content marketing and medical news. She has also held roles as a teacher and a tutor.
Hillary Crawford writes about small-business software at NerdWallet and is certified in QuickBooks Online and web design. Her previous roles include news writer and associate West Coast editor at Bustle Digital Group, where she helped shape news and tech coverage. She's appeared on Cheddar News and also worked as a policy contributor for GenFKD. Hillary earned a bachelor's degree with high honors in political science from the University of Michigan.
Email: <a href="mailto:hcrawford@nerdwallet.com">hcrawford@nerdwallet.com</a>.
Karrin Sehmbi is an editor and content strategist on the small-business team. She has covered small-business software and lending since 2022 and has more than sixteen years of editorial experience in the fields of educational publishing, content marketing and medical news. She has also held roles as a teacher and a tutor.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
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Hillary Crawford writes about small-business software at NerdWallet and is certified in QuickBooks Online and web design. Her previous roles include news writer and associate West Coast editor at Bustle Digital Group, where she helped shape news and tech coverage. She's appeared on Cheddar News and also worked as a policy contributor for GenFKD. Hillary earned a bachelor's degree with high honors in political science from the University of Michigan.
Email: <a href="mailto:hcrawford@nerdwallet.com">hcrawford@nerdwallet.com</a>.
Karrin Sehmbi is an editor and content strategist on the small-business team. She has covered small-business software and lending since 2022 and has more than sixteen years of editorial experience in the fields of educational publishing, content marketing and medical news. She has also held roles as a teacher and a tutor.
Hillary Crawford writes about small-business software at NerdWallet and is certified in QuickBooks Online and web design. Her previous roles include news writer and associate West Coast editor at Bustle Digital Group, where she helped shape news and tech coverage. She's appeared on Cheddar News and also worked as a policy contributor for GenFKD. Hillary earned a bachelor's degree with high honors in political science from the University of Michigan.
Email: <a href="mailto:hcrawford@nerdwallet.com">hcrawford@nerdwallet.com</a>.
Karrin Sehmbi is an editor and content strategist on the small-business team. She has covered small-business software and lending since 2022 and has more than sixteen years of editorial experience in the fields of educational publishing, content marketing and medical news. She has also held roles as a teacher and a tutor.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
Ryan Lane is an editor on the small-business team and a NerdWallet authority on student loans. He spent more than a decade as a writer and editor for student loan guarantor American Student Assistance and was a managing editor for publisher Cell Press. Ryan’s work has been featured by The Associated Press, USA Today and MarketWatch, and he previously co-authored the U.S. News & World Report Student Loan Ranger blog. Email: <a href="mailto:rlane@nerdwallet.com”">rlane@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
75+ categories of best business software selections.
NerdWallet's small-business software content, including ratings, recommendations and reviews, is overseen by a team of writers and editors who specialize in business software, including payment processing, accounting and payroll. Their work has appeared in The Associated Press, The Washington Post, Nasdaq, Entrepreneur, ABC News, Yahoo Finance and other national and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity to ensure accuracy and fairness in our coverage.
Advertiser disclosure
You're our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. While we don’t cover every company or financial product on
the market, we work hard to share a wide range of offers and objective
editorial perspectives.
So how do we make money? Our partners compensate us for advertisements
that appear on our site. This compensation helps us provide tools and
services - like free credit score access and monitoring. With the
exception of mortgage, home equity and other home-lending products or
services, partner compensation is one of several factors that may affect
which products we highlight and where they appear on our site. Other
factors include your credit profile, product availability and
proprietary website methodologies.
However, these factors do not influence our editors’ opinions or ratings, which are based on independent research and analysis. Our partners cannot
pay us to guarantee favorable reviews.
Here is a list of our partners.
Many or all of the products on this page are from partners who compensate us
when you click to or take an action on their website, but this does not
influence our evaluations or ratings. Our opinions are our own.
Square Restaurant POS
The bottom line:
Square’s point-of-sale (POS) system for the food and beverage industry is a good fit for small quick-service restaurants, cafes and bars. You’ll find a variety of features, like menu management tools and basic reporting, in its free plan. But its Plus plan is better for most food service businesses. That’s because it has tip splitting capabilities and lower processing rates. Regardless of plan, Square is still cheaper than competitors like Toast.
Software details
Payment processing fees
In-person: 2.6% + $0.15
Online: 3.3% + $0.30
Monthly fee
$0
Free plan; $49 Plus plan; $149 Premium plan.
Pros & Cons
Pros
Free plan option available.
Offers helpful related services, like payroll, that integrate closely with its POS system.
No long-term contracts or termination fees.
All plans include a free online ordering page.
Cons
Free plan only includes phone support for the first 90 days.
Complex restaurants might prefer a more specialized system.
Free plan processing rates are more expensive than competitors.
Toast: Best for restaurant analytics. Square has shift, menu and kitchen performance reporting. But Toast gives you access to deeper analytics, like recipe costing, with its xtraCHEF add-on. Read our full Toast review.
TouchBistro: Best for reservation management. TouchBistro has a built-in reservation management platform, along with upsell suggestions for servers to follow. These features can go a long way for larger restaurants — especially fine dining ones. You’ll need to integrate with third-party apps to get these features with Square. Read our full TouchBistro review.
SpotOn: Best for customizability. SpotOn is ideal for restaurants that want to pick and choose which features they pay for. It has plans with preselected capabilities, but it also offers a variety of add-ons that allow for more customization. These include online ordering, marketing and gift cards. Read more about SpotOn Restaurant in our roundup of the best restaurant POS systems.
Full review
Square makes a version of its POS system specifically for businesses in the food and beverage industry. The company used to call it Square for Restaurants. But in 2025, it began marketing Square as a single unified app with features for multiple industries. Once you subscribe to it, you can choose a specific mode (e.g., bar, full-service or quick-service). This helps pre-configure features and the onboarding process to fit your business.
Square lists full-service restaurants as a supported business type. But we think it’s better suited to less complex operations. This includes cafes, quick-service restaurants and bars.
Since these businesses often have smaller food menus than full-service establishments, they also have simpler needs. Square has the tools (e.g., basic inventory tracking, sales reporting, tip splitting) to cover these. And it’s more affordable than other industry-specific competitors, like Toast, that charge additional fees for setup, integrations and online ordering.
That’s a big reason why I chose Square for my husband’s brewery. The brewery doesn’t serve food, so its menu is pretty straightforward. And since it just opened the summer of 2025, cost is still top of mind. Square has checked most of our boxes so far.
That said, Square isn't as in-depth as its pricier alternatives. For example, it doesn’t have advanced analytics for recipe costing or in-house reservation management software. You’d have to integrate with third party solutions to access these. And that’s not the most streamlined or cost-effective solution. This can put full-service restaurants at a disadvantage.
Square is best for:
✔️ Bars, cafes and casual dining.
✔️ Affordability.
✔️ Built-in payroll options.
Square overview
Payment processing model
Flat rate.
Payment processing fees
2.6% plus 15 cents for in-person transactions with Free plan.
3.3% plus 30 cents for online transactions with Free plan.
2.5% plus 15 cents for in-person transactions with Plus plan.
2.4% plus 15 cents for in-person transaction with Premium plan.
2.9% plus 30 cents for online transactions with Plus and Premium plans.
3.5% plus 15 cents for manually keyed transactions.
Monthly fee
$0 for Square Free plan.
$49 for Square Plus plan.
$149 for Square Premium plans.
Hardware cost
$0 for Square magstripe-only card reader ($10 for each additional reader) or if using Tap to Pay for iPhone (iPhone not included).
$59 for Square Reader contactless and chip card reader.
$149 for Square Stand iPad POS or Square Stand Mount (iPad not included; monthly financing available).
$149 for Square Kiosk for self-serve ordering.
$299 for Square Terminal mobile card reader with built-in printer (monthly financing available).
$399 for Square Handheld portable POS system with built-in barcode scanner (monthly financing available).
$799-$899 for Square Register two-screen system (monthly financing available).
$1,189 and up for Square Register hardware kit with cash drawer and printer.
Contract length
No contract. Upgrade, downgrade or cancel at any time without penalty.
Customer support
Chat and email support in all plans. Free plan includes phone support only for the first 90 days. Plus plan subscribers can access phone support weekdays 6 a.m. to 6 p.m. PT. Premium plan subscribers receive 24/7 phone support.
Item and menu management.
Online site.
Invoicing.
Discounts and refunds.
Option to add service charges.
Ability to create house accounts.
Low-stock alerts.
Basic sales reporting.
Pickup and delivery options.
Google reviews monitoring.
Gift cards (2.5% load fee).
All features in Free plan, plus:
Close-of-day procedures and reporting.
Ability to split or reopen checks.
Bar tab preauthorization.
Custom floor plan.
Ability to bulk edit items.
QR code payments.
Texts when orders are ready.
Inventory tracking.
Vendor and purchase order management tools.
Reports on cost of goods sold, labor costs, shifts and menus.
Square’s restaurant POS hardware setups and software plans are often cheaper than what competitors have to offer. For example, it costs $1,068.20 to get started with a Toast countertop hardware setup. If you already have an iPad, Square lets you pair it with a cash drawer, stand and receipt printer for $689.
Square also has a free POS software plan. But we think its $49-per-month Plus plan is the best option for businesses in the food and beverage industry. It has more competitive credit card processing fees, which can save you money in the long run. And it gives you access to staff management tools and preauthorized bar tabs.
Unlike competitors, such as Toast, Square doesn’t charge extra for setup, integrations or online ordering either.
No contracts or termination fees
Specialized POS systems often come with long-term contracts. That’s not the case with Square.
For instance, let’s say you subscribe to the Premium plan at the beginning of the year. A few months later, business is down and your cash flow doesn’t support the extra cost. You can downgrade to the Plus or Free plan — no strings attached. And if that doesn’t work, you can switch POS systems entirely without having to worry about termination fees.
Toast locks you into a two-year contract. TouchBistro’s terms and conditions say you cannot terminate your agreement before the “current term” ends. The company doesn’t disclose the length of that term. Instead, it suggests referring to your sales quote.
Where Square falls short
Could have more front-of-house features
Square’s restaurant software doesn’t have as many front-of-house features as some of its more expensive competitors. For example, you have to integrate with OpenTable, a separate third-party service, to access reservation management software. Toast and TouchBistro offer these solutions in-house.
It’s also missing other features, like upselling suggestions, that Lightspeed Restaurant and TouchBistro have. This tool lets you program specific prompts when servers click on a menu item. You can use the prompts to suggest wine pairings and/or additional sides.
Limited inventory management
Square has basic inventory features, like low stock alerts, counting tools and purchase order management. But it doesn’t go much deeper than that. This could be an issue if your margins hinge on ordering the right amount of inventory. That’s especially true if most of the items you’re ordering are perishable.
For instance, Lightspeed Restaurant has a wastage feature that lets staff adjust inventory levels when food expires. You can do this with a workaround in Square, but it’s not as seamless.
What small-business owners think of Square's restaurant software
NerdWallet checked online forums like Reddit and reviews from sites like TrustPilot, G2, the App Store and Google Play to gauge how users feel about Square. We used an AI tool to help analyze this feedback. Here are the major trends we spotted.
👍 User friendliness
Online commenters praise how easy it is for small restaurants and cafes to use Square. It might not have the same level of functionality as its competitors. But for a lot of businesses, sticking with the basics is perfectly sufficient. It also makes Square’s software simpler to learn and navigate.
One user acknowledges that Square’s fees aren’t the lowest on the market. But they think it’s a fair tradeoff, considering how convenient it is.
👎 Functionality for higher-volume restaurants
Reddit users say Square doesn’t cut it for restaurants with complex menus or multiple locations. One user complained that it doesn’t route orders to the correct kitchen station. Another suggested it’s not well equipped to maximize operational efficiency.
These are issues for high-capacity restaurants — think locations that can seat more than 100 people at a time. But it’s not as critical for new single-location cafes or very small restaurants.
NerdWallet’s writers and editors independently review POS systems, like Square, by analyzing more than 30 data points. We collected data from Square’s public-facing website, help articles and company representatives.
Our evaluations also take user sentiment into account. This involves looking through individual reviews and feedback on sites like Trustpilot, the App Store, Google Play and Reddit. Then, we use AI tools to help spot larger trends within those comments. Since we cannot verify each user’s individual experience, we don’t incorporate user reviews in our star ratings. For more information on how we score POS systems, see our full methodology.
Frequently asked questions
Square does offer a free version of its restaurant POS system, which comes loaded with many features needed to run a food service business. For more advanced restaurant POS features, businesses will need to upgrade to a paid plan and/or make use of third-party software integrations. Payment processing fees for credit card, digital wallet and other non-cash payments will always apply.
Many restaurants use Square’s restaurant POS solution, including, according to Square’s website, Parry Restaurant Group, Tartinery, Charbar and others.
Methodology
NerdWallet independently reviews point-of-sale (POS) system providers before determining our top picks. We collect the data for our software ratings from products’ public-facing websites and from company representatives. Our editorial team reviews information on a regular basis for consistency and accuracy.
We also periodically update our scoring system to reflect changing industry norms and business needs. For instance, in 2026, we added a payroll integration category to our POS systems rubric. It’s important that POS systems can sync up with payroll software to minimize manual data entry and keep track of employee hours.
NerdWallet’s POS system provider ratings reward companies whose products and services are priced well and work in a variety of payment scenarios, among other criteria.
Ratings are based on weighted averages of scores in several categories, including cost, system capabilities, contract requirements, customer service and integrations and add-ons. Learn more about how we rate POS system providers.
These ratings are a guide, but services, hardware and pricing can vary widely from business to business and provider to provider. We encourage you to shop around and compare several providers.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.