Can I use my own payment processor with Toast?

Toast's help centre says you must use its processing services. CAVIAR POS also requires card processing, through Armour Payments.

Does Toast work in Canada?

Yes. Toast sells in Canada, though some products are not available here. Toast publishes a product availability list, so check it for the features you need.

Does CAVIAR POS work with QuickBooks in Canada?

Yes. CAVIAR POS integrates with QuickBooks through the Integrations Hub.

CAVIAR POS vs Toast for Canadian restaurants

Toast is a large restaurant platform built around its own hardware and payments. CAVIAR POS charges one flat monthly price for unlimited terminals. Here is how they compare in Canada.

Toast details checked on November 6, 2026. Prices are per month in Canada unless noted, and can change.

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Side by side

Software price: CAVIAR POSSingle Store is $99 CAD a month, one flat price for unlimited terminal licenses. Multi-Store is $149.99 CAD a month.; ToastExpert Market, a third-party guide, lists plans starting at $120 CAD a month. Toast's Device Licensing FAQ, for a program in limited release, says each device needs a matching subscription, and it does not state a country.
Payment processing: CAVIAR POSCard processing through Armour Payments is required. Ask our sales team for rates.; ToastToast's help centre says you must use its processing services. We could not read Toast's main website, so confirm rates with Toast.
Interac: CAVIAR POSInterac debit works on CAVIAR POS payment terminals, including tap.; ToastA Toast refund help page refers to Interac customers in Canada. We found no Toast page that confirms how Interac works, including tap, so check with Toast.
Sales tax: CAVIAR POSHandles all Canadian sales tax rates, including GST, HST, PST, and QST.; ToastYou enter tax rates, including GST, in Toast. Toast says it has no obligation to determine whether taxes apply to you.
Offline: CAVIAR POSKeeps taking orders and card payments when the internet goes down.; ToastOffline card acceptance is on by default in Canada, and the merchant carries the risk of declined offline payments.
Contract: CAVIAR POSAsk our sales team; ToastToast's annual report says software terms generally run 12 to 36 months. Its help centre says contracts renew automatically unless you give 30 days' written notice. These are not Canada-specific statements.
Hardware: CAVIAR POSPOS stations, tablets, kiosks, kitchen displays, printers, and payment terminals. Pricing is shown to registered business customers.; ToastCustom-designed Toast hardware. The Easy Pay lease is not available outside the United States.
Support: CAVIAR POSCanadian-based support team, available 24/7, through Armour Payments.; Toast24/7 chat, and a Canadian phone number. Phone hours are published for the US line only.
Delivery apps: CAVIAR POSIntegrates with SkipTheDishes, Uber Eats, and DoorDash through the Integrations Hub, $29.99 CAD a month per site. Third-party vendor fees apply.; ToastDirect SkipTheDishes integration. Toast's DoorDash page lists Canada but also tells Canadian locations to contact Toast about options, and it mentions a recurring charge. Uber Eats integrations in Canada were announced in November 2025.
Included and add-ons: CAVIAR POSSingle Store includes online ordering, gift cards, inventory, scheduling, and unlimited kitchen displays (display hardware required). A kiosk counts as an additional terminal license. Loyalty and marketing are $49.99 CAD a month per site.; ToastLoyalty is a subscription, and Toast's online ordering page refers to a subscription without giving a price. We could not read Toast's main website, so confirm Canadian add-on prices with Toast.
QuickBooks: CAVIAR POSIntegrates with QuickBooks through the Integrations Hub.; ToastToast's own xtraCHEF sync is listed as not available in Canada. Third parties such as Shogo offer Toast to QuickBooks Online syncs, so confirm Canadian support with them.

What Toast does well

It is a large, established platform, with about 189,000 locations reported for Q3 2026.
NerdWallet lists its restaurant-specific features, such as built-in reservations, as a strength.
Offline card acceptance is on by default in Canada, though the merchant carries the risk of declined offline payments.
A direct SkipTheDishes integration.

Common questions

Can I use my own payment processor with Toast?: Toast's help centre says you must use its processing services. CAVIAR POS also requires card processing, through Armour Payments.
Does Toast work in Canada?: Yes. Toast sells in Canada, though some products are not available here. Toast publishes a product availability list, so check it for the features you need.
Does CAVIAR POS work with QuickBooks in Canada?: Yes. CAVIAR POS integrates with QuickBooks through the Integrations Hub.

Sources

Toast is a trademark of its owner. CAVIAR POS is not affiliated with Toast. If something here is out of date, tell us and we will correct it.