Comparison · Updated October 3, 2026
Toast vs NCR Aloha (NCR Voyix) for restaurants
Toast POS
B
Toast POS is the leading all-in-one cloud-based restaurant management platform, purpose-built for the food service industry with deep features for ordering, payments, payroll, and analytics, but comes with restrictive multi-year contracts, mandatory payment processor lock-in, and a history of transparency controversies.
NCR Voyix
B-
The retail and restaurant half of the old NCR. NCR Corporation — founded in 1884 as the National Cash Register Company — renamed itself NCR Voyix in October 2023 when it spun off its ATM business as NCR Atleos, and what remains is a unified commerce platform: Aloha and Counterpoint point of sale, self-checkout, and Voyix Pay processing sold alongside them. The scale is real. NCR Voyix reported 80,000 platform sites and more than 8,500 payment sites at the end of 2025, $1.7 billion of annual recurring revenue, and full-year Software and Services revenue of $1,986 million. The problem is the paper you sign. The published US merchant agreement sets a 36-month initial term that auto-renews for 12-month periods unless you give 60 days' notice, makes cancellation during the term immediately payable for every remaining month, and reserves an annual price increase of CPI plus 5% — with a contractual floor of 5% — that applies during the initial term as well as after it. Buy the platform if the platform is what you need, and negotiate the term before you sign anything.
VS
Overview
Toast and NCR Voyix both sell a restaurant point of sale with payment processing attached, but they sell it in different ways. Toast publishes its standard prices for a new single-location restaurant. As of October 2026, its online Starter Kit costs $69 a month for the software, plus 2.49% + 15 cents per in-person Visa, Mastercard or Discover payment and about $1,153 for the basic hardware. A pay-as-you-go option drops the monthly fee and hardware cost to $0 and charges 3.09% + 15 cents instead. Starter Kit orders carry a two-year agreement. NCR Voyix, the company that sells Aloha, publishes no prices: software, hardware and processing are all quoted. What it does publish is its US merchant agreement for Aloha Cloud. That agreement sets a 36-month term that renews itself for 12 months at a time, makes every remaining month payable if you cancel early, and allows a price rise of at least 5% each year, even during the first term. Toast publishes its payout schedule and has the better BBB record. Aloha has the much better Trustpilot score and, unlike Toast for most restaurants, can let you use a processor other than its own, though only one NCR Voyix has certified or approved. Payment Review grades Toast B and NCR Voyix B-.
Key Takeaways
- ✓Toast publishes its standard pricing; NCR Voyix publishes none. A new single-location Toast restaurant pays $69 a month plus 2.49% + 15 cents per in-person card payment, or $0 a month at 3.09% + 15 cents on pay-as-you-go. Aloha software, hardware and processing are all quoted.
- ✓Toast's terms are lighter. Starter Kit orders run two years, renewals need 30 days' notice, and software fees are fixed for the first term. Aloha Cloud's default term is 36 months, non-renewal needs 60 days' notice, cancelling makes every remaining month payable, and prices can rise at least 5% a year.
- ✓Toast is the stricter of the two on processing: you must use Toast's payments unless you are a select enterprise customer. NCR Voyix leaves processing to a separate agreement: its Aloha Cloud terms require a processor it has certified, and its Master Agreement for Restaurants allows a third-party processor only with its written approval and for an extra fee. Discounts can depend on taking Voyix Pay.
- ✓Toast deposits card sales the next business day if you batch before 9:30 p.m. ET, otherwise in two. Instant deposit costs 1.75%. NCR Voyix publishes no deposit schedule.
- ✓Reputation is split. Toast is BBB-accredited with an A+. NCR Corporation's BBB profile is rated D- and not accredited, but it is stale. On Trustpilot, Aloha scores 4.4 from 739 reviews and Toast 2.8 from 1,487.
Toast POS
Toast suits most independent and small-group US restaurants that want to know the price before they talk to sales. It also suits restaurants that want point of sale, online ordering, delivery integrations, marketing and payroll from one vendor on a two-year term, and owners who value next-day deposits and 24/7 phone support. Accept that you must use Toast's own processing, and that Toast can change processing rates on 30 days' notice. If it does, you can leave without the early termination fee.
NCR Voyix
NCR Voyix suits multi-unit and enterprise restaurant groups already running Aloha, or groups that need its depth in complex menus, multiple revenue centres and franchise rollouts. They should have the buying power to negotiate the term, the yearly price rise and the processing rate. It also suits operators who want a processor other than the vendor's own and can get NCR Voyix's approval for it. Get the funding timetable, every rate and the exit terms in writing before you sign.
Overall Winner
🏆 Winner
Toast POS
Bexpert grade
Runner-up
NCR Voyix
Why?
For most US restaurants, Toast is the better choice, in line with the site's grades (Toast B, NCR Voyix B-). You can see Toast's price before you call sales: $69 a month and 2.49% + 15 cents per in-person card payment on its standard plan, or $0 a month on pay-as-you-go. A Starter Kit agreement runs two years rather than three. Software fees cannot rise during that first term, and if Toast raises your card rates you can leave without the early termination fee. NCR Voyix's Aloha Cloud agreement runs 36 months, makes every remaining month payable if you cancel, and allows a yearly rise of at least 5%. NCR Voyix wins on Trustpilot and on processor choice, although a third-party processor needs its approval and can cost extra. It remains the right shortlist pick for multi-unit groups already on Aloha, or groups that need its enterprise depth and can negotiate the contract.
Feature by feature
Detailed Comparison
Filter Options
Pricing (US, new single-location restaurant, as of October 2026)
| Feature | Toast POS | NCR Voyix |
|---|---|---|
| POS software fee | $69 a month (Basic, traditional pricing) | Not disclosed |
| Toast's Starter Kit shop lists three feature packages under traditional pricing: Basic at $69 a month, Core (adds online ordering and DoorDash, Uber Eats and Grubhub integrations) at $219 and Growth (adds gift cards, loyalty, SMS and email marketing, websites, catering) at $578. Its pricing page says prices apply to new customers and single locations only, and multi-location or custom setups are quoted under Build Your Own. NCR Voyix publishes no Aloha subscription price. Its former Aloha Essentials and Aloha Cloud product pages now redirect to a contact form, and its merchant agreement says charges are 'stated on your Order'. | ||
| In-person card rate (Visa, Mastercard, Discover) | 2.49% + 15¢ | Not disclosed |
| This is Toast's rate for every traditional-pricing package in its Starter Kit shop. Toast's footnotes give American Express card-present payments a standard rate of 3.29% + 15 cents and card-not-present payments 3.89% + 15 cents. Toast says custom pricing is available for restaurants processing more than $500,000 a year. NCR Voyix quotes Voyix Pay per merchant and publishes no rate card. | ||
| No-monthly-fee option | Pay-as-you-go: $0 a month, 3.09% + 15¢ | Not disclosed |
| Toast's pay-as-you-go option covers the Starter Kit hardware and the Basic software for a higher per-payment fee. Core costs 3.39% + 15 cents and Growth 3.69% + 15 cents, both at $0 a month. Toast says this is not a lease and the hardware is yours from day one. Its early termination fee is different: $150 for each month left in the term (Merchant Agreement s8.4). NCR Voyix has no published equivalent. | ||
| Starter hardware | $1,153 countertop kit, or $0 on pay-as-you-go | Not disclosed |
| Toast's countertop Starter Kit includes a Toast Flex terminal, Toast Tap card reader, router and software. It shows $1,153 due today under traditional pricing. Extra terminals are listed separately, for example a 14-inch Toast Flex at $749 plus $50 a month and a Toast Go 3 handheld at $599 plus $50 a month. NCR Voyix publishes no hardware prices. Under an agreement announced on 6 August 2024, Ennoconn designs, makes and ships NCR Voyix's point-of-sale hardware (FY2025 10-K), and since 1 April 2026 NCR Voyix has sold it as Ennoconn's agent (Q1 2026 results release). Its agreement allows a deposit before hardware ships and charges list price for subscribed hardware not returned. | ||
POS software fee
Toast POS
$69 a month (Basic, traditional pricing)
NCR Voyix
Not disclosed
Toast's Starter Kit shop lists three feature packages under traditional pricing: Basic at $69 a month, Core (adds online ordering and DoorDash, Uber Eats and Grubhub integrations) at $219 and Growth (adds gift cards, loyalty, SMS and email marketing, websites, catering) at $578. Its pricing page says prices apply to new customers and single locations only, and multi-location or custom setups are quoted under Build Your Own. NCR Voyix publishes no Aloha subscription price. Its former Aloha Essentials and Aloha Cloud product pages now redirect to a contact form, and its merchant agreement says charges are 'stated on your Order'.
In-person card rate (Visa, Mastercard, Discover)
Toast POS
2.49% + 15¢
NCR Voyix
Not disclosed
This is Toast's rate for every traditional-pricing package in its Starter Kit shop. Toast's footnotes give American Express card-present payments a standard rate of 3.29% + 15 cents and card-not-present payments 3.89% + 15 cents. Toast says custom pricing is available for restaurants processing more than $500,000 a year. NCR Voyix quotes Voyix Pay per merchant and publishes no rate card.
No-monthly-fee option
Toast POS
Pay-as-you-go: $0 a month, 3.09% + 15¢
NCR Voyix
Not disclosed
Toast's pay-as-you-go option covers the Starter Kit hardware and the Basic software for a higher per-payment fee. Core costs 3.39% + 15 cents and Growth 3.69% + 15 cents, both at $0 a month. Toast says this is not a lease and the hardware is yours from day one. Its early termination fee is different: $150 for each month left in the term (Merchant Agreement s8.4). NCR Voyix has no published equivalent.
Starter hardware
Toast POS
$1,153 countertop kit, or $0 on pay-as-you-go
NCR Voyix
Not disclosed
Toast's countertop Starter Kit includes a Toast Flex terminal, Toast Tap card reader, router and software. It shows $1,153 due today under traditional pricing. Extra terminals are listed separately, for example a 14-inch Toast Flex at $749 plus $50 a month and a Toast Go 3 handheld at $599 plus $50 a month. NCR Voyix publishes no hardware prices. Under an agreement announced on 6 August 2024, Ennoconn designs, makes and ships NCR Voyix's point-of-sale hardware (FY2025 10-K), and since 1 April 2026 NCR Voyix has sold it as Ennoconn's agent (Q1 2026 results release). Its agreement allows a deposit before hardware ships and charges list price for subscribed hardware not returned.
Best For Your Business
Recommendations based on your business type
Independent full-service or quick-service restaurant, one location
Recommended
Toast POS
Toast publishes the price a new single-location restaurant pays, $69 a month plus 2.49% + 15 cents in person, and its Starter Kit agreement is two years. Aloha prices are quoted only, and its standard agreement runs 36 months with every remaining month payable if you leave.
New restaurant short on startup cash
Recommended
Toast POS
Toast's pay-as-you-go plan puts the Starter Kit hardware and Basic software at $0 upfront and $0 a month, for 3.09% + 15 cents per card payment. Remember that leaving early still costs $150 for each month left in the term. NCR Voyix publishes no comparable plan.
Multi-unit or franchise group already running Aloha
Recommended
NCR Voyix
Staying on Aloha avoids retraining staff and migrating complex menus across sites. NCR Voyix's newer Aloha Next is cloud-based or hybrid-cloud, and its enterprise rollouts include Pizza Ranch's 200-plus restaurants. Use your size to negotiate the 36-month term, the yearly price rise and the processing rate.
Restaurant that wants to choose its own card processor
Recommended
NCR Voyix
Toast requires its own payments for all but select enterprise customers. NCR Voyix leaves processing to a separate agreement and can route Aloha payments to a third-party processor it has certified or approved in writing, usually for an extra fee, and some discounts depend on taking Voyix Pay. Get the approval and fees in writing before you sign.
Owner who needs predictable cash flow
Recommended
Toast POS
Toast publishes its schedule: next business day if you batch by 9:30 p.m. ET, two business days otherwise, with instant deposit available for 1.75%. NCR Voyix publishes no deposit timetable.
Toast POS: Best for 3 use cases
NCR Voyix: Best for 2 use cases
Frequently Asked Questions
Common questions about this comparison
As of October 2026, Toast's Starter Kit for a new single-location restaurant costs $69 a month for Basic software. In-person Visa, Mastercard and Discover payments cost 2.49% + 15 cents, and the countertop hardware kit costs $1,153 upfront. Pay-as-you-go cuts the hardware and monthly fee to $0 for 3.09% + 15 cents per payment. American Express in-person payments are 3.29% + 15 cents. NCR Voyix publishes no prices for Aloha software, hardware or Voyix Pay processing, so you need a written quote that you cannot check against a published price.
Toast's online Starter Kit orders carry a two-year agreement, and orders through sales set the term in the order. Renewals run a year at a time unless you give 30 days' notice. Leaving early costs the rest of the term's software subscription fees, or $150 for each remaining month on pay-as-you-go. NCR Voyix's US merchant agreement for Aloha Cloud defaults to 36 months and renews for 12 months unless you give 60 days' notice. If you cancel during the term, every remaining month becomes payable straight away.
Yes, both can. Toast keeps software fees fixed for the first term, but it can change card processing rates on 30 days' notice. If it raises your card rates you can terminate without the early termination fee. NCR Voyix's merchant agreement allows one rise a year on annual or multi-year plans, including during the first term, capped at CPI plus 5% and never less than 5%.
With Toast, yes, unless you are one of the select enterprise customers Toast lets use another processor. NCR Voyix's Aloha Cloud agreement does not cover processing and requires a processor NCR Voyix has certified, which can be its own Voyix Pay. Its Master Agreement for Restaurants allows a third-party processor only with NCR Voyix's written approval and for an additional fee. Discounts tied to a processing commitment can be withdrawn if you stop meeting it.
Yes, under a new name. NCR Corporation's change of name to NCR Voyix took effect on 13 October 2023, and on 16 October 2023 it completed the spin-off of its ATM and self-service banking business as NCR Atleos. It has since sold its Digital Banking business, which closed in September 2024, and moved its hardware manufacturing to Ennoconn, completed in early 2026. In March 2026 it agreed to sell its Japanese bank technology business. What remains is retail and restaurant software, services and payments, including Aloha.
It depends where you look. On 3 October 2026, Aloha by NCR Voyix scored 4.4 on Trustpilot from 739 reviews against Toast's 2.8 from 1,487. On the BBB, Toast is accredited with an A+. NCR's profile is still filed under NCR Corporation, is rated D- for not answering 34 complaints and is visibly out of date.
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