Olivia Chen comes to NerdWallet with 5+ years of experience in the CDFI (Community Development Financial Institution) industry, particularly working with MWBE (Minority/Women-Owned Business Enterprise) and LMI (Low Moderate Income) small businesses. She is certified through the American Banker’s Association in Business and Commercial Lending. Her work has appeared in The Associated Press, NASDAQ and The Washington Post among other publications.
Hillary Crawford writes about small-business software at NerdWallet and is certified in QuickBooks Online and web design. Her previous roles include news writer and associate West Coast editor at Bustle Digital Group, where she helped shape news and tech coverage. She's appeared on Cheddar News and also worked as a policy contributor for GenFKD. Hillary earned a bachelor's degree with high honors in political science from the University of Michigan.
Email: <a href="mailto:hcrawford@nerdwallet.com">hcrawford@nerdwallet.com</a>.
Olivia Chen comes to NerdWallet with 5+ years of experience in the CDFI (Community Development Financial Institution) industry, particularly working with MWBE (Minority/Women-Owned Business Enterprise) and LMI (Low Moderate Income) small businesses. She is certified through the American Banker’s Association in Business and Commercial Lending. Her work has appeared in The Associated Press, NASDAQ and The Washington Post among other publications.
Hillary Crawford writes about small-business software at NerdWallet and is certified in QuickBooks Online and web design. Her previous roles include news writer and associate West Coast editor at Bustle Digital Group, where she helped shape news and tech coverage. She's appeared on Cheddar News and also worked as a policy contributor for GenFKD. Hillary earned a bachelor's degree with high honors in political science from the University of Michigan.
Email: <a href="mailto:hcrawford@nerdwallet.com">hcrawford@nerdwallet.com</a>.
Christine Aebischer is an assistant assigning editor on the small-business team who joined NerdWallet in 2020, originally as a copy editor. Previously, she held editing roles at Fundera, Northwestern Mutual and LearnVest, where she covered a variety of personal and business finance topics. Christine earned bachelor's degrees in English and journalism from The College of New Jersey. Email: <a href="mailto:caebischer@nerdwallet.com">caebischer@nerdwallet.com</a>.
Christine Aebischer is an assistant assigning editor on the small-business team who joined NerdWallet in 2020, originally as a copy editor. Previously, she held editing roles at Fundera, Northwestern Mutual and LearnVest, where she covered a variety of personal and business finance topics. Christine earned bachelor's degrees in English and journalism from The College of New Jersey. Email: <a href="mailto:caebischer@nerdwallet.com">caebischer@nerdwallet.com</a>.
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Olivia Chen comes to NerdWallet with 5+ years of experience in the CDFI (Community Development Financial Institution) industry, particularly working with MWBE (Minority/Women-Owned Business Enterprise) and LMI (Low Moderate Income) small businesses. She is certified through the American Banker’s Association in Business and Commercial Lending. Her work has appeared in The Associated Press, NASDAQ and The Washington Post among other publications.
Hillary Crawford writes about small-business software at NerdWallet and is certified in QuickBooks Online and web design. Her previous roles include news writer and associate West Coast editor at Bustle Digital Group, where she helped shape news and tech coverage. She's appeared on Cheddar News and also worked as a policy contributor for GenFKD. Hillary earned a bachelor's degree with high honors in political science from the University of Michigan.
Email: <a href="mailto:hcrawford@nerdwallet.com">hcrawford@nerdwallet.com</a>.
Olivia Chen comes to NerdWallet with 5+ years of experience in the CDFI (Community Development Financial Institution) industry, particularly working with MWBE (Minority/Women-Owned Business Enterprise) and LMI (Low Moderate Income) small businesses. She is certified through the American Banker’s Association in Business and Commercial Lending. Her work has appeared in The Associated Press, NASDAQ and The Washington Post among other publications.
Hillary Crawford writes about small-business software at NerdWallet and is certified in QuickBooks Online and web design. Her previous roles include news writer and associate West Coast editor at Bustle Digital Group, where she helped shape news and tech coverage. She's appeared on Cheddar News and also worked as a policy contributor for GenFKD. Hillary earned a bachelor's degree with high honors in political science from the University of Michigan.
Email: <a href="mailto:hcrawford@nerdwallet.com">hcrawford@nerdwallet.com</a>.
Christine Aebischer is an assistant assigning editor on the small-business team who joined NerdWallet in 2020, originally as a copy editor. Previously, she held editing roles at Fundera, Northwestern Mutual and LearnVest, where she covered a variety of personal and business finance topics. Christine earned bachelor's degrees in English and journalism from The College of New Jersey. Email: <a href="mailto:caebischer@nerdwallet.com">caebischer@nerdwallet.com</a>.
Christine Aebischer is an assistant assigning editor on the small-business team who joined NerdWallet in 2020, originally as a copy editor. Previously, she held editing roles at Fundera, Northwestern Mutual and LearnVest, where she covered a variety of personal and business finance topics. Christine earned bachelor's degrees in English and journalism from The College of New Jersey. Email: <a href="mailto:caebischer@nerdwallet.com">caebischer@nerdwallet.com</a>.
NerdWallet's content is
fact-checked for accuracy, timeliness, and relevance by humans.
It undergoes a thorough review process involving writers and editors to ensure
the information is as clear and complete as possible. Learn more by checking
our
Editorial Guidelines.
Content was accurate at the time of publication.
Why trust NerdWallet
250+ small-business products reviewed and rated by our team of experts.
80+ years of combined experience covering small business and personal finance.
75+ categories of best business software selections.
NerdWallet's small-business software content, including ratings, recommendations and reviews, is overseen by a team of writers and editors who specialize in business software, including payment processing, accounting and payroll. Their work has appeared in The Associated Press, The Washington Post, Nasdaq, Entrepreneur, ABC News, Yahoo Finance and other national and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity to ensure accuracy and fairness in our coverage.
Advertiser disclosure
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with
confidence. And while our site doesn’t feature every company or
financial product available on the market, we’re proud that the guidance
we offer, the information we provide and the tools we create are
objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence
which products we review and write about (and where those products
appear on the site), but it in no way affects our recommendations or
advice, which are grounded in thousands of hours of research. Our
partners cannot pay us to guarantee favorable reviews of their products
or services. Here is a list of our partners .
Touch-screen point-of-sale (POS) systems operate with touch-screen hardware, like a tablet, register, handheld card reader or kiosk to help move the checkout process along quickly. Most POS systems come with their own proprietary touch-screen hardware or have apps that are compatible with iPad and/or Android tablets.
Here are some of our picks for the best touch-screen POS systems:
NerdWallet's small-business software content, including ratings, recommendations and reviews, is overseen by a team of writers and editors who specialize in business software, including POS systems, payment processing, accounting and payroll. Their work has appeared in The Associated Press, The Washington Post, Nasdaq, Entrepreneur, ABC News, Yahoo Finance and other national and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity to ensure accuracy and fairness in our coverage.
Offers a free mobile card reader and free POS software plan.
Can subscribe to related services, such as payroll, that integrate with its POS system.
No termination fees or long-term contracts.
No chargeback or PCI compliance fees.
Cons
Complex businesses might prefer a processor that integrates with more specialized POS systems.
Square's product lineup is modular, but its POS system works well enough as a stand-alone product. Pricing is competitive, making it a solid option for many small businesses.
Offers a free mobile card reader and free POS software plan.
Can subscribe to related services, such as payroll, that integrate with its POS system.
No termination fees or long-term contracts.
No chargeback or PCI compliance fees.
Cons
Complex businesses might prefer a processor that integrates with more specialized POS systems.
Square's product lineup is modular, but its POS system works well enough as a stand-alone product. Pricing is competitive, making it a solid option for many small businesses.
Free plan available if you’re only using a mobile card reader.
24/7 phone support.
All restaurant plans include no-fee online ordering, and retail plans let you integrate with existing online stores.
Offers a variety of plans tailored to six specific types of businesses.
Can pair POS systems with third-party payment processors.
Cons
Promotions require a three-year contract.
May be subject to early termination fees if you use Clover as your payment processor.
Online payment processing rates are more expensive than competitors.
Clover point-of-sale hardware is pricey, but the reasonable monthly cost and low payment processing fees may help offset that upfront investment over time.
Free plan available if you’re only using a mobile card reader.
24/7 phone support.
All restaurant plans include no-fee online ordering, and retail plans let you integrate with existing online stores.
Offers a variety of plans tailored to six specific types of businesses.
Can pair POS systems with third-party payment processors.
Cons
Promotions require a three-year contract.
May be subject to early termination fees if you use Clover as your payment processor.
Online payment processing rates are more expensive than competitors.
Clover point-of-sale hardware is pricey, but the reasonable monthly cost and low payment processing fees may help offset that upfront investment over time.
Restaurants can customize plans by adding loyalty programs, reservation capabilities, online ordering or employee scheduling software.
24/7 phone support.
No long-term contract or termination fees.
Cons
Charges setup fee.
Offline mode includes the hidden cost of a router.
SpotOn’s monthly software fee and payment processing fees along with its ability to integrate with third-party hardware make this system an affordable and appealing option. SpotOn offers customizable add-on features such as a loyalty program and team management software. The company also has a strong reputation for its hands-on approach to customer support, from installation and training to 24/7 availability for assistance.
Restaurants can customize plans by adding loyalty programs, reservation capabilities, online ordering or employee scheduling software.
24/7 phone support.
No long-term contract or termination fees.
Cons
Charges setup fee.
Offline mode includes the hidden cost of a router.
SpotOn’s monthly software fee and payment processing fees along with its ability to integrate with third-party hardware make this system an affordable and appealing option. SpotOn offers customizable add-on features such as a loyalty program and team management software. The company also has a strong reputation for its hands-on approach to customer support, from installation and training to 24/7 availability for assistance.
Shopify POS syncs directly with the Shopify e-commerce platform. However, Shopify does not offer free POS software, and the platform is retail-focused.
Shopify POS syncs directly with the Shopify e-commerce platform. However, Shopify does not offer free POS software, and the platform is retail-focused.
Includes detailed inventory management tools for creating product variants.
No long-term contracts.
24/7 live chat support.
Generate unlimited barcode labels.
Cons
No free plan options.
Accounting integrations are only available in Core and Plus plans.
Lightspeed Retail is a cloud-based POS system for retailers. It has strong inventory management capabilities and is a good match for more established small businesses with multiple locations. Newer small businesses with less complicated operations could be better served with a simpler, less expensive product.
Includes detailed inventory management tools for creating product variants.
No long-term contracts.
24/7 live chat support.
Generate unlimited barcode labels.
Cons
No free plan options.
Accounting integrations are only available in Core and Plus plans.
Lightspeed Retail is a cloud-based POS system for retailers. It has strong inventory management capabilities and is a good match for more established small businesses with multiple locations. Newer small businesses with less complicated operations could be better served with a simpler, less expensive product.
Accepts a variety of payment types, including Venmo and PayPal payments.
Inexpensive card reader with a keypad, plus built-in payment processing and a free mobile app lets you quickly accept in-person payments on the go.
Low in-person processing fees for a flat-rate processor.
Cons
Accepting online transactions involves additional monthly fees, depending on your gateway.
No offline mode.
PayPal POS delivers the essentials at a relatively low cost with a small commitment. On top of accepting credit and debit cards (customers can either dip or tap them to the device), it accepts other payment methods like Venmo, PayPal and digital wallets. But consider other options if you want features like customer loyalty and email marketing programs. Although PayPal POS can expand through hardware, it doesn’t offer plan upgrades or those types of add-ons.
Accepts a variety of payment types, including Venmo and PayPal payments.
Inexpensive card reader with a keypad, plus built-in payment processing and a free mobile app lets you quickly accept in-person payments on the go.
Low in-person processing fees for a flat-rate processor.
Cons
Accepting online transactions involves additional monthly fees, depending on your gateway.
No offline mode.
PayPal POS delivers the essentials at a relatively low cost with a small commitment. On top of accepting credit and debit cards (customers can either dip or tap them to the device), it accepts other payment methods like Venmo, PayPal and digital wallets. But consider other options if you want features like customer loyalty and email marketing programs. Although PayPal POS can expand through hardware, it doesn’t offer plan upgrades or those types of add-ons.
Why we like it: Square offers reliable and affordable POS software, with a couple of proprietary touch-screen hardware options. The Square Register is a fully integrated register that has both a merchant-facing and customer-facing display. The customer-facing side includes a card terminal and contactless option. The Square Terminal is a small handheld device capable of accepting card and contactless payments. It comes equipped with a powerful battery and receipt printer for full mobile capabilities.
The Square Register and Terminal both offer monthly payments plans. Other Square POS hardware and software is compatible with iPads and mobile devices, making it an even more affordable option if you want to cut costs on hardware. Read our full Square POS review.
Monthly POS software fees
$0 for Square Free plan.
$49 for Square Plus plan.
$149 for Square Premium plans.
Hardware costs
$0 for Square magstripe-only card reader ($10 for each additional reader) or if using Tap to Pay for iPhone (iPhone not included).
$59 for Square Reader contactless and chip card reader.
$149 for Square Stand iPad POS or Square Stand Mount (iPad not included; monthly financing available).
$149 for Square Kiosk for self-serve ordering.
$299 for Square Terminal mobile card reader with built-in printer (monthly financing available).
$399 for Square Handheld portable POS system with built-in barcode scanner (monthly financing available).
$799 for Square Register two-screen system (monthly financing available).
Payment processing fees
2.6% plus 15 cents for in-person transactions with Free plan.
3.3% plus 30 cents for online transactions with Free plan.
2.5% plus 15 cents for in-person transactions with Plus plan.
2.4% plus 15 cents for in-person transaction with Premium plan.
2.9% plus 30 cents for online transactions with Plus and Premium plans.
3.5% plus 15 cents for manually keyed transactions.
Why we like it: Clover is one of the few popular POS system providers that lets third-party payment processors sell its hardware, in case you don’t want to use Clover as your processor. If you go that route, though, make sure to purchase your Clover hardware from your processor of choice so that it’s programmed correctly. Clover offers two registers — the Station Solo and Station Duo — that both include a 14-inch touch-screen display and receipt printers. The Station Duo is a little more robust, accepting all forms of payment (as opposed to just chip and card swipe), and includes both customer- and merchant-facing displays.
Other hardware includes the Clover Mini, a smaller 8-inch touch-screen display that can accept all payment options, and the Clover Flex handheld POS system, which has a 6-inch touch-screen display and can also accept dip, swipe, tap or contactless payments. Both the Clover Mini and Flex handheld are compatible with larger Clover POS hardware, and are scalable with your growing business.Payment plans are available if you don’t want to front the full hardware cost, and monthly prices are dependent on which software plan you choose. Read our full Clover POS review.
Monthly POS software fees
$0 for Clover Go Payments, Retail Starter and Personal Services Starter plans.
$14.95 for Clover Go Essentials, Professional Services Starter, and Standard and Home & Field Services Starter and Standard plans.
$84.95 for Retail Standard and Professional, Personal Services Standard and Advanced, and Home & Field Services Advanced plans.
$89.95 for Full-Service Dining Starter and Quick-Service Dining Starter and Standard plans.
$104.90 for Retail Advanced plan.
$109.90 for Full-Service Dining Standard and Quick-Service Dining Advanced plans.
$129.85 for Full-Service Dining Advanced plan.
Hardware costs
$199 for chip, swipe and contactless Clover Go card reader.
$349 for countertop card reader.
$749 for Clover Flex mobile POS with receipt printer.
$699 for slimmer Flex Pocket with no printer.
$849 for Clover Mini POS.
$799-$899 + $25 per month for kitchen display system.
$1,799 for Clover Station Solo.
$1,899 for Clover Station Duo.
$3,499 + $34.95 per month for self-ordering kiosk.
Payment processing fees
2.3% plus 10 cents for in-person transactions on Full-Service and Quick-Service Restaurant plans.
2.5% plus 10 cents for in-person transactions on Retail Standard and Advanced plans, Professional and Personal Services Standard and Advanced plans, and the Home and Field Services Advanced plan.
2.6% plus 10 cents for in-person transactions on the Retail and Personal Services Starter plans and the Home and Field Services Standard plan.
3.5% plus 10 cents for online or keyed-in transactions.
Shopify
Best for building an online store
Why we like it: While most of the options listed here enable online ordering in some capacity, Shopify is built specifically for online-first businesses. If you prioritize online sales and need a robust online storefront, Shopify lets you choose from more than 200 website templates so that you can build the right solution for your business. It also sells a variety of touch-screen POS hardware devices for in-person sales, including a countertop kit that’s compatible with iPads and a handheld mobile POS system. Processing rates decrease as plans scale up. Read our full Shopify POS review.
Monthly POS software fees
Shopify e-commerce plans:
$29 for Shopify Basic when billed annually (or $39 when paid monthly).
$79 for regular Shopify when billed annually (or $105 when paid monthly).
$299 for Shopify Advanced when billed annually (or $399 when paid monthly).
Custom pricing for Shopify Plus.
All e-commerce plans come with POS Lite for selling in-person. Upgrading to POS Pro for brick-and-mortar businesses costs an extra $89 per location.
Shopify’s alternative solutions for mainly selling in-person:
$5 for Starter plan, which includes one POS Lite location.
$79 (when billed annually) for Retail plan, or $89 when paid monthly; includes one POS Pro location.
Hardware costs
$49 for Tap & Chip card reader.
$219 for Tap & Chip countertop kit (iPad not included).
$349 for Shopify POS terminal.
$459 and up for POS terminal countertop kits.
Payment processing fees
2.5%, 2.7% or 2.9% plus 30 cents for online payments for Advanced, Shopify or Basic plan, respectively.
2.4%, 2.5% or 2.6% plus 10 cents for in-person payments for Advanced, Shopify or Basic plan, respectively.
Lightspeed
Best for tracking retail inventory
Why we like it: Lightspeed’s retail POS system stands out for its inventory tracking capabilities. You can set reorder points, manage stock at multiple locations and assign product variants to signal different colors or sizes. The system also connects with a B2B catalog of suppliers and their products, which lets you import product details and images directly instead of having to rewrite each description yourself. This is a big time-saver if you sell a wide variety of items. Lightspeed sells iPad stands that can be paired with card readers, cash drawers, barcode scanners and receipt printers to create a touch-screen POS system. Read our full Lightspeed Retail POS review.
Monthly POS software fees
Lightspeed offers three different plans for retail stores:
$109 for Basic plan ($89 if billed annually).
$179 for Core plan ($149 if billed annually).
$339 for Plus plan ($289 if billed annually).
Hardware costs
Pricing for Lightspeed's iPad and desktop hardware kits is quote-based. Individual hardware products are listed in Lightspeed's online store:
$79 for Mobile Tap V2 card reader.
$199 for iPad swivel stand.
$329 for WisePOS E countertop reader.
$429 for Lightspeed Lite Server for data backup and offline mode functionality.
Why we like it: SpotOn’s restaurant POS plans are highly customizable and let you choose from a range of add-ons, including flat-rate DoorDash delivery, digital and tableside ordering capabilities, gift cards, reservations and loyalty programs. And if none of the plans listed fit your restaurant’s needs, you can customize your own.
The company’s proprietary hardware includes two touch-screen countertop options that pair with a customer-facing display, along with a handheld POS device built for mobility with straps and belt hooks. This may be a good option if your restaurant does a lot of mobile ordering, either tableside or in a drive-thru line for instance. One drawback is that SpotOn doesn’t list its pricing for all hardware options, so you’ll have to reach out to the company for details.
Monthly POS software fees
$0 for Quick Start plan.
$99 for Counter-service plan, plus $3 per employee.
$135 for Full-service plan, plus $3 per employee.
Custom pricing available as well.
Hardware costs
$600 for the KDS.
$750 for the Station POS.
$850 for the Counter POS.
Other hardware devices, like the handheld option, are custom.
Payment processing fees
1.99% plus 25 cents for most cards in the Counter-service, Full-service and Customizable plans.
2.89% plus 25 cents for Quick Start plan subscribers (this processing rate includes hardware and software costs).
2.99% plus 25 cents for reward, international, corporate and keyed-in cards.
Best touch-screen POS that accepts QR code payments
Why we like it: In addition to accepting chip and contactless credit card payments, the PayPal POS terminal's touch-screen POS system lets you accept Venmo and PayPal QR code payments from customers. You enter the purchase amount on the touch-screen POS system, select PayPal or Venmo as the method of payment and the system generates a QR payment code for your customer to scan. Hardware options include a handheld POS terminal or an iPad swivel stand that you can use on its own or with a cash drawer. Read our full PayPal POS review.
Monthly POS software fees
$0.
Hardware costs
$29 for first card reader; additional readers cost $79. Price includes USB cable.
$199 for terminal only.
$239 for terminal with barcode scanner built in.
$229 for Store Kit Mini (tablet stand with card reader and dock).
$339 for Store Kit Portable kit with mobile card reader and printer.
$479 for Store Kit Standard (tablet stand, card reader, dock and printer).
$699 for Store Kit Plus (adds barcode scanner).
Payment processing fees
2.29% plus 9 cents for in-person and QR code transactions.
3.49% plus 9 cents for manual-entry card transactions.
2.99% plus 49 cents for invoicing (payment made with card).
3.49% plus 49 cents for invoicing (payment made with PayPal).
Last updated on July 25, 2024
Methodology
NerdWallet’s point-of-sale systems provider ratings reward companies whose products and services are priced well and work in a variety of payment scenarios, among other criteria. Ratings are based on weighted averages of scores in several categories, including cost, system capabilities, contract requirements, customer service and integrations and add-ons. Learn more about how we rate point-of-sale (POS) systems providers.
These ratings are a guide, but services, hardware and pricing can vary widely from business to business and provider to provider. We encourage you to shop around and compare several providers.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.