01 / REVIEW AREA
Look across locations
Separate in-person, online and keyed transactions and compare costs across your locations.
POS & MULTI-LOCATION PAYMENTS
Keep your operation in the cost conversation.
Review processing, software and hardware costs together. Build a pricing case around your locations and sales mix before changing your POS setup.
No advisory feesNo obligation to switchClear next steps
Partner-funded advice. Provider fees and terms still apply.
BUILT FOR THE PEOPLE
RESPONSIBLE FOR MARGIN
RESPONSIBLE FOR MARGIN
01 Founders & operators
02 Finance teams
03 Ecommerce & platforms
THE DIRECT ANSWER
Can Square, Toast or Clover processing rates change?
Pricing options depend on the provider and agreement. Square invites businesses processing over $250,000 per year to discuss custom pricing. Toast offers business-specific rates. For any POS setup, review processing terms alongside software, hardware and integration requirements before assuming a change is available.
Custom pricing does not guarantee interchange-plus, a particular rate or the ability to change processors while retaining all hardware.
WHAT WE REVIEW
Start with the details
that affect your costs.
A POS decision affects staff workflows as well as payment costs.
02 / REVIEW AREA
Include the POS commitments
Review software, hardware, support and contract costs alongside the processing rate.
03 / REVIEW AREA
Prepare the provider discussion
Document volume and operating needs, then confirm available pricing and hardware constraints.
A BETTER PROVIDER CONVERSATION
Know what
to ask next.
Use the review to turn a rate discussion into a complete cost comparison. These are questions to investigate, not findings about your account.
Get the square, toast & clover checklist ↗| Review area | The question to ask |
|---|---|
| Square | Is the business eligible for a custom-pricing discussion? |
| Toast | How are processing, software and hardware priced together? |
| Clover | Which provider issued the merchant agreement and controls the pricing? |
| Any POS migration | What hardware, integration, retraining and exit costs would arise? |
FREE TOOL / NO EMAIL REQUIRED
What would a small
rate change mean?
Use your own volume and fees to explore a hypothetical reduction. A basis point is 0.01 percentage points. This is a scenario, not a quote or savings forecast.
20 bps
0 bps100 bps / 1 percentage point
ILLUSTRATIVE ANNUAL IMPACT
$6,000 / year
Example inputs are prefilled. Replace them with your figures.
Current effective rate3.00%
Scenario effective rate2.80%
Illustrative monthly difference$500
Annual impact = monthly volume × basis points ÷ 10,000 × 12. Assumes constant volume and a change to the effective rate. Excludes implementation and switching costs.
Your calculator amounts stay in your browser and are not sent with your inquiry or analytics.
Find out what is worth reviewing ↗TWO WAYS TO START
Bring us the question.
Leave with a next step.
Get a focused review or a checklist to guide your own provider conversation.
01 / COMPLIMENTARY REVIEW
A clearer payment statement.
Request a review of your current costs, the questions worth asking and the options worth testing.
Request my free review ↗02 / PROVIDER CONVERSATION CHECKLIST
A better pricing conversation.
Get six checks tailored to square, toast & clover, including the documents to gather and the questions to raise.
Get my review checklist ↗01
Share your starting point.
Your website, provider and approximate volume are enough to begin.
02
Review the evidence.
We identify the information needed and arrange document collection separately.
03
Choose your next move.
Keep your setup, ask better questions or evaluate a suitable alternative.
LET’S LOOK AT YOUR SETUP
Make your next
payment decision
an informed one.
Tell us where to start. Chris will review your request and follow up on the most useful next step.
Chris Fava
Rebar Payments advisory
chris@wearerebar.com
Rebar is compensated through processing partners when eligible referred merchants transact. You are free to keep your current provider.
Checking request availability. You can also book a call or email Chris.
BEFORE YOU START
A few practical
questions.
Clear answers about square, toast & clover and how a Rebar review works.
Is Square’s $250,000 threshold monthly or annual?
Square’s published custom-pricing invitation refers to more than $250,000 per year. Eligibility and the final pricing package depend on the business.
Can I keep my existing terminals?
Possibly. Hardware and software compatibility depend on the POS platform, processor and contract. Confirm the setup before assuming terminals can remain.
Does regulated debit mean my total processing rate should equal interchange?
No. Interchange is only one component. Network, provider and other applicable charges contribute to the total merchant cost.
How does Rebar get paid?
Rebar can receive compensation from payment processing partners when eligible referred merchants transact. The payments advisory review has no upfront or ongoing Rebar fee. You are free to keep your current provider. Processing fees and provider terms still apply.
Provider sources reviewed October 30, 2026:Square custom pricing ↗Toast payment processing ↗Adyen: interchange explained ↗Account-specific terms may differ.
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