Skip to content

7 Best Point-of-Sale (POS) Systems and Software 2022

The best POS system depends a lot on the type of business you have. Here are our top picks for each category.
Last updated on October 12, 2022

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The best point-of-sale systems do far more than handle customer payments. These systems help you manage sales, track inventory and improve daily business operations by offering numerous hardware options and feature-rich POS software.
Transparent pricing, intuitive flows and access to live support are also important when selecting your POS systems and software. Here are our top picks.

7 Best Point-of-Sale (POS) Systems and Software 2022

Product
Best for
Payment processing fees
Monthly fee
Learn more

Square POS

Shop now

on Square POS's secure website

5.0/5

Best for Overall POS system

2.6% + 10¢

in-person; 2.9% + 30¢ online.

$0

Free plan; $29 and up Plus plan.

Shop now

on Square POS's secure website

Toast POS

Shop now

on Toast POS 2's secure website

4.0/5

Best for Restaurants

2.99% + $0.15

$0

Starter Plan. Essentials Plan also available

Shop now

on Toast POS 2's secure website

Lightspeed POS

Shop now

on Lightspeed POS's secure website

3.5/5

Best for Inventory management

2.6% + 10¢

in-person; 2.6% + 30¢ online.

$89

Lean; $149 Standard; $269 Advanced.

Shop now

on Lightspeed POS's secure website

Shopify Retail POS

Shop now

on Shopify Retail POS's secure website

3.0/5

Best for E-commerce

2.70%

in-person; 2.9% + 30¢ online (Basic plan).

$0

POS Lite; $89 POS Pro.

Shop now

on Shopify Retail POS's secure website

Clover POS

Shop now

on Clover POS's secure website

4.0/5

Best for Hardware

2.3% + 10¢

or 2.6% +10¢ in-person, depending on plan; 3.5% + 10¢ online.

$40

Starter plan; $44.95 Standard and Advanced plans.

Shop now

on Clover POS's secure website

PayPal Zettle

5.0/5

Best for POS software

2.29% + 9¢

in-person; 3.49% + 49¢ online.

$0

QuickBooks Desktop POS

3.5/5

Best for QuickBooks Desktop integration

2.7%

in-person

$20/Month

For lower processing rates

Our pick for

Overall POS system

Square POS

5.0
NerdWallet rating 
Read Review
Shop now

on Square POS's secure website

Payment processing fees

2.6% + 10¢

in-person; 2.9% + 30¢ online.

Monthly fee

$0

Free plan; $29 and up Plus plan.

Square’s point-of-sale system stands out with its transparent pricing, live support and many useful features. Unlike most systems, Square offers a free POS software option with no monthly charges. Because Square works on iPhones, Androids and iPads, you can make sales on the go — for example, at a farmers market, trade show or music festival.

Our pick for

Restaurants

Toast POS

4.0
NerdWallet rating 
Read Review
Shop now

on Toast POS 2's secure website

Payment processing fees

2.99% + $0.15

Monthly fee

$0

Starter Plan. Essentials Plan also available

Toast's restaurant-oriented POS system makes it easy to update menus, track table statuses, split checks, add gratuity automatically, apply various discount rules — say, for happy hour — take online orders, manage multiple locations, track employee performance and accept tableside payments.

Our pick for

Inventory management

Lightspeed POS

3.5
NerdWallet rating 
Read Review
Shop now

on Lightspeed POS's secure website

Payment processing fees

2.6% + 10¢

in-person; 2.6% + 30¢ online.

Monthly fee

$89

Lean; $149 Standard; $269 Advanced.

The Lightspeed POS system’s inventory management capabilities are outstanding at every subscription tier and more comprehensive than those of competitors. When entering items into your system, you can add plenty of information — such as a description, images, cost, manufacturer’s suggested retail price, or MSRP, your selling price, tax and discount rules, tags, barcodes, SKUs, brands, categories and custom-built fields — which can be used to generate and filter results on reports.

Our pick for

E-commerce

Shopify Retail POS

3.0
NerdWallet rating 
Read Review
Shop now

on Shopify Retail POS's secure website

Payment processing fees

2.70%

in-person; 2.9% + 30¢ online (Basic plan).

Monthly fee

$0

POS Lite; $89 POS Pro.

Shopify’s POS system is well-equipped to handle all the complexities that come with selling items via an online store. In all subscription tiers, you can set up an online shop and add products almost instantly, sell through multiple channels including social media, connect with vendors, automatically email customers who abandon their carts, process payments at reasonable rates and make sales in 133 currencies and multiple languages. These features make Shopify one of the best retail POS options.

Our pick for

Hardware

Clover POS

4.0
NerdWallet rating 
Read Review
Shop now

on Clover POS's secure website

Payment processing fees

2.3% + 10¢

or 2.6% +10¢ in-person, depending on plan; 3.5% + 10¢ online.

Monthly fee

$40

Starter plan; $44.95 Standard and Advanced plans.

Clover's POS system stands out with its durable and versatile hardware, with POS terminals that make it easy to accept orders at the counter or on the go. You also have the option to pair the hardware and software with a different merchant account, such as one from Wells Fargo, SunTrust, PNC, BBVA or Citi.

Our pick for

POS software

PayPal Zettle

5.0
NerdWallet rating 
Payment processing fees

2.29% + 9¢

in-person; 3.49% + 49¢ online.

Monthly fee

$0

PayPal's Zettle system stands out for its free software and no-contract business model, which takes some of the risk out of switching to a new POS system. Its hardware POS packages make it easy to set up quickly, and some decent (though limited) accessories are available.

Our pick for

QuickBooks Desktop integration

QuickBooks Desktop POS

3.5
NerdWallet rating 
Payment processing fees

2.7%

in-person

Monthly fee

$20/Month

For lower processing rates

The QuickBooks Desktop POS system allows sales, payments, inventory and customer data to sync with your QuickBooks Desktop account. The e-commerce integration feature automatically updates data and allows you to monitor all your sales channels including Shopify, Amazon, eBay and other online marketplaces.

Square: Best overall POS system

Types of businesses supported: Retail, food and beverage, professional services (beauty, health, repair, etc.) and custom-built options. POS software: Free and up. Hardware: Register is $799; contactless and chip card reader compatible with Apple and Android devices is $49. Payment processing: Varies by plan.
  • 2.6% plus 10 cents for in-person transactions (2.5% plus 10 cents with Retail Plus plan).
  • 2.9% plus 30 cents for online transactions or invoices without a card on file (2.6% plus 30 cents with Premium plan).
  • 3.5% plus 15 cents for manually keyed transactions or card-on-file invoices.

Toast: Best POS for restaurants

Types of businesses supported: Fine dining, casual dining, fast-casual, bar and nightclub, cafe and bakery, and custom-built options. POS software: $0 per month and up (includes one terminal and reader). Promotional rates may apply. Hardware: Full restaurant setups begin at $799 in the Starter plan. Payment processing: Flat-rate, quote-based; 2.99% plus 15 cents per transaction on Pay-as-You-Go plan.

Lightspeed: Best POS for inventory management

Types of businesses supported: Retail (apparel, bike, CBD, electronics, gift store, health, home decor, jewelry, liquor, pet, sporting goods, toy, vape, other); restaurant (bar, cafe, full-service, hotel, quick-service, other); golf (multicourse, municipal, private, public, resorts, semiprivate, other). POS software: $69 per month (billed annually) and up. Hardware: One terminal included in monthly fee. Additional hardware quote-based. Payment processing: 2.6% plus 10 cents for card-present transactions; 2.6% plus 30 cents for card-not-present transactions.

Shopify: Best POS for e-commerce

Types of businesses supported: E-commerce and in-store retail. POS software: $89 per month and up. Hardware: $149 for a tablet stand (tablet not included); $29 for chip and swipe reader compatible with iPhone, Android and iPad. Payment processing: Varies by plan.
  • 2.4%, 2.6% or 2.9% plus 30 cents for online payments for Advanced, Shopify or Basic plan, respectively.
  • 2.4%, 2.5% or 2.7% for in-person payments for Advanced, Shopify or Basic plan, respectively.
  • $29 per month for Basic, $79 per month for Shopify or $299 per month for Advanced plan.

Clover: Best hardware

Types of businesses supported: Table service restaurants and cafes; counter service restaurants, cafes, diners and food trucks; and retail, service and e-commerce businesses. POS software: $14.95 per month and up. Hardware: $49 for a card reader; $499 for a handheld device; $799 for Mini system and a larger system with a cash drawer. Payment processing: Same rate applies to all card types; starts at 2.3% plus 10 cents per in-person transaction and 3.5% plus 10 cents for keyed transactions. If you use an outside processor, different rates apply.

PayPal Zettle: Best POS software

Types of businesses supported: Retail, service and e-commerce businesses. POS software: Free. Hardware: $79 for a card reader; $229 for a handheld scanner; $249 for Mini system. Payment processing:
  • 2.29% plus 9 cents for in-person transactions.
  • 3.49% plus 9 cents for manual entry card transactions.
  • 3.49% plus 49 cents for invoicing transactions.

QuickBooks Desktop: Best POS for QuickBooks Desktop integration

Types of businesses supported: Online and in-store retail businesses selling jewelry, clothing, shoes, accessories, sporting goods, bicycles, furniture, hardware and other home improvement items. POS software: One-time purchase starting at $1,200 without discount. Hardware: Individual devices or bundles are offered, including a PIN Pad for $389 and a $900 package that includes a cash drawer, receipt printer, wired barcode and PIN Pad. Payment processing:
  • Pay as you go: 2.7% for in-person transactions; 3.5% per keyed transaction.
  • Pay monthly: $20 per month; 2.3% plus 25 cents for in-person transaction; 3.2% plus 25 cents per keyed transaction.
Last updated on October 12, 2022

Frequently Asked Questions