Comparing Loop vs Toast Loyalty? It comes down to whether you're committed to Toast's POS and contract, or want a loyalty program that works with any system. Here's an honest 2026 breakdown.
Quick verdict
Choose Toast Loyalty if you already run Toast POS and want loyalty bundled with gift cards and marketing. Choose Loop if you use a different POS, want flat predictable pricing, or don't want a multi-year contract.
Pricing compared (2026)
| Loop | Toast Loyalty | |
|---|---|---|
| Loyalty cost | Punch Card $5–$30/mo; Full Rewards $79/mo + usage | ~$185/mo (Marketing Essentials bundle) |
| POS required | Any POS or none | Toast POS only (+$69–$165/mo per terminal) |
| Contract | Month-to-month | ~2-year, with early-termination fees |
When Toast wins
If you're already on Toast and want loyalty, gift cards and marketing in one bundle from one vendor, it's convenient. See our Toast Loyalty review.
When Loop wins
If you're on Clover, Lightspeed, Square or a custom POS — or you want no contract and predictable pricing — Loop avoids both the Toast-only requirement and the multi-year lock-in. See Loop's loyalty & rewards engine.
Part of our complete guide to restaurant loyalty programs.