Comparison
Factor4 vs Square Gift Cards for Toast Restaurants
Factor4 is a gift card and loyalty processor that runs natively on Toast POS. It is best for restaurants on Toast POS that need branded cards and one balance shared across locations.
Square Gift Cards is the gift card product built into the Square ecosystem for merchants running Square POS. It is best for businesses already running Square as their point of sale and payment processor.
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Side-by-side comparison
| Feature | Factor4 | Square Gift Cards |
|---|---|---|
| Toast POS integration | Native to Toast POS; sales and redemptions flow into Toast reporting. | Built for Square POS; not designed to run inside a Toast terminal workflow. |
| Multi-location pooled balances | One balance across every location in the group, on or off Toast. | Balances shared across locations within the same Square account. |
| Setup time | Typically days, with a specialist handling design and configuration. | Quick to enable for merchants already on Square. |
| Contract terms | No long-term contract required to see pricing. | Covered by Square's standard merchant terms. |
| Pricing model | Transparent per-program quote; no design fee on standard artwork. | Card production costs plus Square's standard processing rates. |
| Support | Dedicated gift card specialist by phone and email. | Square's general merchant support channels. |
Where Square Gift Cards might be a better fit
If your restaurant runs on Square rather than Toast, Square Gift Cards is the natural choice — the program lives inside the POS you already use every day.
Businesses that only need simple digital cards for one location will find Square's setup hard to beat on speed.
Square is also a reasonable fit if you value having payments, POS, and gift cards consolidated under one provider more than you value a dedicated gift card partner.
"The surprise wasn't the sales — it was the new faces. Almost half the people redeeming cards had never eaten with us before. Now they're regulars."
David Chen
Owner, Lantern House
FAQ
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Tell us about your restaurant and we'll send pricing and design options within one business day.