POS Fee Calculator | Utah Revenue Radar
Northern Utah's Independent POS & Payments Advisor — No hidden junk fees.
POS Fee Transparency Tool

See Exactly What You're Losing to 'Hidden' Fees

Most Utah restaurant and retail owners are overpaying their POS provider by hundreds — sometimes thousands — of dollars every month.

$4,800+ Avg. Annual Overpayment
3 mins To Get Your Estimate
$0 Cost to Audit
Side-by-Side Breakdown

Toast vs. Clover vs. Genius

Real numbers, no fluff. See what each system actually costs a typical Utah small business.

🍞 Toast 🍀 Clover ⚡ Genius
💰 Monthly Software Fees
Entry-Level PlanBasic POS software $69/moStarter plan $60/moRegister Lite $0/moIncluded with processing
Full-Feature PlanOnline orders, reporting, etc. $165–$272/moPoint of Sale plan $90–$175/moRegister + add-ons $0/moNo tiered software fees
📊 Merchant Processing Rates
Processing RateWhat you pay per transaction 2.49%–3.50%Flat-rate, all card types 2.30%–3.50%Flat-rate, varies by plan Dual pricing from 0%Cash discount option available
🖥️ Hardware Costs
Terminal / POS HardwareStarter setup $999–$1,499Toast Terminal + Hub $599–$1,349Clover Station or Mini Flexible / often $0Free terminal programs available
Hardware OwnershipDo you own it? Locked to ToastCan't use with other processors Locked to Clover/FiservProprietary ecosystem You own itWorks with your choice of processors
Monthly Hardware FeeOngoing lease/support $0After upfront purchase $0–$90/moIf leased — never a good deal $0No ongoing hardware fees
📍 Local Support
Support OptionsWho helps when things break? None availableRemote/chat support only None availableRemote/chat support only Local & On-SiteInstallation, call center & onsite visits
Overall Verdict
Expensive
High fees, locked ecosystem
Moderate
Better, still flat-rate padding
Best Value
Local support, lowest rates
💸

The Flat-Rate Trap

+0.8–1.2%

Flat-rate pricing sounds simple, but processors like Toast and Clover pocket the difference between your rate and the actual interchange cost — often adding a hidden 0.8%–1.2% on every transaction.

🔒

The Hardware Lock

$999+

Toast hardware only works with Toast processing. If you ever want to switch, you're starting over with new hardware costs on top of early termination fees.

📈

Interchange+ Advantage

~40% savings

Genius passes true interchange costs directly to you with a small fixed markup — meaning you pay exactly what the card network charges, not whatever the processor wants to pad on top.

🏦
Enterprise-Grade Technology, Small Business Price
Genius is backed by Global Payments — one of the largest payment technology companies in the world, processing billions of transactions annually. That means you get the same payment infrastructure trusted by major retailers and national chains, delivered with the personal service of a local Utah advisor.
Your Personalized Estimate

How Much Are YOU Overpaying?

Enter your monthly numbers below and see a real side-by-side cost estimate in seconds.

⚡ Quick Cost Estimator
Takes less than 60 seconds. No email required.
📊 Your Monthly Cost Estimate
Toast (est.)
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per month
Clover (est.)
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per month
⚡ Genius (est.)
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per month
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*Estimates based on published rates and typical fee structures. Actual savings depend on your specific card mix and volume. A free audit gives you exact numbers.

Ready to Stop the Leak?
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We'll analyze your exact statement, identify every fee, and show you exactly what Genius would cost you — side by side. No pressure, no obligation.

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✅ 100% Free ✅ No Obligation ✅ Utah-Based Advisor ✅ Results in 24–48 Hours