A quick look at the lawsuit, and a five-minute way to find out what you really pay for card processing.
$0 a month for your POS. It sounds like the easiest yes in the world.
Then, on October 29, 2026, the FTC and eight states sued Toast, one of the biggest names in restaurant technology. Their claim: the cost did not disappear. It moved into higher fees on every card payment.
What the FTC says happened
The complaint alleges that Toast:
Charged fees that were not clearly disclosed
Enrolled restaurants in add-ons they say they never agreed to
Advertised 24/7 support that some owners say they could not reach
Toast disagrees with the allegations and says it will defend itself. A court will decide, and that could take years.
Your fees do not wait for a verdict
Win or lose, your processing fees come out of every card sale. Add up the fees on your statement, then divide by your card sales. That is your effective rate. Do you know yours?
Let HCS show you the real number
Send us your statement and we will do the heavy lifting.
We go through it with you, line by line
We put your real rate next to Square, SpotOn, or Shift4 Dine, so you see exactly where you stand
We explain the terms in plain English before you sign (Square and SpotOn do not require a long-term contract)
We handle setup, installation, and hands-on training, then back you up with 24/7 phone and remote support
No call center, ever.
Reach out today for a free demo, comparison, or quote.
330.633.1221