Why trust NerdWallet
Sponsored partner picks for
| Product | Best for | NerdWallet rating | Payment processing fees | Monthly fee | Learn more |
|---|---|---|---|---|---|
| | Overall retail POS system | In-person: 2.6% + $0.15 Online: 3.3% + $0.30 | $0 For Free plan; $49 Plus plan; $149 Premium plan. | on Square's website | |
| | High sales volume retailers | 4.8
/5
| In-person: 0.4% + $0.08 Online: 0.5% + $0.25 Plus interchange | $0 | on Helcim's website |
| | Online retail businesses | In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $39 and up for e-commerce plans with POS Lite; Can upgrade to POS Pro for an extra $89. | on Shopify's website | |
| | Customer loyalty program | In-person: 2.5% + $0.10 Online: 3.5% + $0.10 | $0 and up. | on Clover's website | |
| | Retail inventory management | In-person: 2.6% + $0.10 Online: 2.9% + $0.30 | $109 for Basic plan, $179 for Core plan, $339 for Plus plan. | on Lightspeed's website | |
| | Automated marketing toools | In-person: 2.6% + $0.10 Online: 3.5% + $0.15 | $0 for card readers only; $99 for Connect Lite plan; $199 for Connect Plus plan; $289 for Connect Pro plan. | on SumUp's website | |
| | Accepting various payment methods | In-person: 2.29% + $0.09 Online: 3.49% + $0.09 | $0 |
Square Retail POS
Best for Overall retail POS system
Online: 3.3% + $0.30
For Free plan; $49 Plus plan; $149 Premium plan.
on Square's website
Pros
- Transparent, flat fees.
- First magstripe credit card reader is free; free plan available.
- No fees for early termination, PCI compliance, chargebacks or setup.
- Offers inventory management, multi-location setup and appointment scheduling.
- Live support available by phone, instant message or email.
- Subscription fees are generally month-to-month and easy to cancel if needed. You also have the option to pause your subscriptions for up to three months.
Cons
- Loyalty program and email marketing features cost extra; appointment-booking for more than one person is an additional fee.
- Ability to create and print barcodes isn’t available on the free version.
Helcim POS
Best for High sales volume retailers
Online: 0.5% + $0.25
Plus interchange
on Helcim's website
Pros
- No monthly software fees.
- No long-term contract or termination fees.
- Offers volume discounts for businesses whose monthly credit card volume surpasses $50,000.
- Interchange-plus processing rates can help businesses save money.
Cons
- Some hardware, like barcode scanners and cash drawers, are only available through a third-party provider.
- No full POS register options.
Shopify Retail POS
Best for Online retail businesses
Online: 2.9% + $0.30
and up for e-commerce plans with POS Lite; Can upgrade to POS Pro for an extra $89.
on Shopify's website
Pros
- Transparent, flat-rate payment processing fees.
- 24/7 customer support.
- E-commerce-friendly features, including access to vendors and resources to build an online store from scratch.
- Dropshipping, curbside pickup and local delivery options.
- Ability to automatically email customers who abandon carts and don’t complete purchases.
- Tracks inventory, hides out-of-stock products and offers inventory analysis.
- Plans are month-to-month and easy to cancel, upgrade or downgrade.
- You can “pause” your store for three months with no subscription fee or “pause and build” for a reduced monthly payment.
Cons
- No free plans available.
- Not ideal for businesses that don’t sell online.
- Additional transaction fees apply if you don’t use Shopify’s in-house payment processing.
Clover POS
Best for Customer loyalty program
Online: 3.5% + $0.10
and up.
on Clover's website
Pros
- 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.
Lightspeed Retail POS
Best for Retail inventory management
Online: 2.9% + $0.30
for Basic plan, $179 for Core plan, $339 for Plus plan.
on Lightspeed's website
Pros
- Transparent, flat-rate fees.
- A comprehensive inventory management system to keep detailed records of your products across multiple locations and set automatic reorder points, so you don't run out.
- Offers option to use other payment processors in addition to in-house option.
- 24/7 phone support available in the U.S., plus chat and email support.
Cons
- No free plans available.
- Loyalty, e-commerce, accounting integrations and analytics features included only in more expensive plans.
- Prepaid annual and monthly fees are non-refundable; if you cancel your subscription, you’ll immediately owe the remaining installment fees in your plan, if any apply.
SumUp POS
Best for Automated marketing toools
Online: 3.5% + $0.15
for card readers only; $99 for Connect Lite plan; $199 for Connect Plus plan; $289 for Connect Pro plan.
on SumUp's website
Pros
- Free POS plans for card readers.
- Automated marketing tools for sending customers targeted promotions.
- Available in more than 30 countries.
Cons
- Online transaction rate is more expensive than some competitors.
- POS system software requires 12-month contract.
PayPal POS
Best for Accepting various payment methods
Online: 3.49% + $0.09
Pros
- No long-term contract or termination fees.
- 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
- Online payment processing rates can be difficult to navigate.
- Limited accounting and payroll integrations.
Online: 3.3% + $0.30
For Free plan; $49 Plus plan; $149 Premium plan.
on Square's website
Pros
- Transparent, flat fees.
- First magstripe credit card reader is free; free plan available.
- No fees for early termination, PCI compliance, chargebacks or setup.
- Offers inventory management, multi-location setup and appointment scheduling.
- Live support available by phone, instant message or email.
- Subscription fees are generally month-to-month and easy to cancel if needed. You also have the option to pause your subscriptions for up to three months.
Cons
- Loyalty program and email marketing features cost extra; appointment-booking for more than one person is an additional fee.
- Ability to create and print barcodes isn’t available on the free version.
Square Retail POS
Best for Overall retail POS system
Best for Overall retail POS system
Online: 3.3% + $0.30
For Free plan; $49 Plus plan; $149 Premium plan.
on Square's website
Pros
- Transparent, flat fees.
- First magstripe credit card reader is free; free plan available.
- No fees for early termination, PCI compliance, chargebacks or setup.
- Offers inventory management, multi-location setup and appointment scheduling.
- Live support available by phone, instant message or email.
- Subscription fees are generally month-to-month and easy to cancel if needed. You also have the option to pause your subscriptions for up to three months.
Cons
- Loyalty program and email marketing features cost extra; appointment-booking for more than one person is an additional fee.
- Ability to create and print barcodes isn’t available on the free version.
Online: 0.5% + $0.25
Plus interchange
on Helcim's website
Pros
- No monthly software fees.
- No long-term contract or termination fees.
- Offers volume discounts for businesses whose monthly credit card volume surpasses $50,000.
- Interchange-plus processing rates can help businesses save money.
Cons
- Some hardware, like barcode scanners and cash drawers, are only available through a third-party provider.
- No full POS register options.
Helcim POS
Best for High sales volume retailers
Best for High sales volume retailers
Online: 0.5% + $0.25
Plus interchange
on Helcim's website
Pros
- No monthly software fees.
- No long-term contract or termination fees.
- Offers volume discounts for businesses whose monthly credit card volume surpasses $50,000.
- Interchange-plus processing rates can help businesses save money.
Cons
- Some hardware, like barcode scanners and cash drawers, are only available through a third-party provider.
- No full POS register options.
Online: 2.9% + $0.30
and up for e-commerce plans with POS Lite; Can upgrade to POS Pro for an extra $89.
on Shopify's website
Pros
- Transparent, flat-rate payment processing fees.
- 24/7 customer support.
- E-commerce-friendly features, including access to vendors and resources to build an online store from scratch.
- Dropshipping, curbside pickup and local delivery options.
- Ability to automatically email customers who abandon carts and don’t complete purchases.
- Tracks inventory, hides out-of-stock products and offers inventory analysis.
- Plans are month-to-month and easy to cancel, upgrade or downgrade.
- You can “pause” your store for three months with no subscription fee or “pause and build” for a reduced monthly payment.
Cons
- No free plans available.
- Not ideal for businesses that don’t sell online.
- Additional transaction fees apply if you don’t use Shopify’s in-house payment processing.
Shopify Retail POS
Best for Online retail businesses
Best for Online retail businesses
Online: 2.9% + $0.30
and up for e-commerce plans with POS Lite; Can upgrade to POS Pro for an extra $89.
on Shopify's website
Pros
- Transparent, flat-rate payment processing fees.
- 24/7 customer support.
- E-commerce-friendly features, including access to vendors and resources to build an online store from scratch.
- Dropshipping, curbside pickup and local delivery options.
- Ability to automatically email customers who abandon carts and don’t complete purchases.
- Tracks inventory, hides out-of-stock products and offers inventory analysis.
- Plans are month-to-month and easy to cancel, upgrade or downgrade.
- You can “pause” your store for three months with no subscription fee or “pause and build” for a reduced monthly payment.
Cons
- No free plans available.
- Not ideal for businesses that don’t sell online.
- Additional transaction fees apply if you don’t use Shopify’s in-house payment processing.
Online: 3.5% + $0.10
and up.
on Clover's website
Pros
- 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 POS
Best for Customer loyalty program
Best for Customer loyalty program
Online: 3.5% + $0.10
and up.
on Clover's website
Pros
- 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.
Online: 2.9% + $0.30
for Basic plan, $179 for Core plan, $339 for Plus plan.
on Lightspeed's website
Pros
- Transparent, flat-rate fees.
- A comprehensive inventory management system to keep detailed records of your products across multiple locations and set automatic reorder points, so you don't run out.
- Offers option to use other payment processors in addition to in-house option.
- 24/7 phone support available in the U.S., plus chat and email support.
Cons
- No free plans available.
- Loyalty, e-commerce, accounting integrations and analytics features included only in more expensive plans.
- Prepaid annual and monthly fees are non-refundable; if you cancel your subscription, you’ll immediately owe the remaining installment fees in your plan, if any apply.
Lightspeed Retail POS
Best for Retail inventory management
Best for Retail inventory management
Online: 2.9% + $0.30
for Basic plan, $179 for Core plan, $339 for Plus plan.
on Lightspeed's website
Pros
- Transparent, flat-rate fees.
- A comprehensive inventory management system to keep detailed records of your products across multiple locations and set automatic reorder points, so you don't run out.
- Offers option to use other payment processors in addition to in-house option.
- 24/7 phone support available in the U.S., plus chat and email support.
Cons
- No free plans available.
- Loyalty, e-commerce, accounting integrations and analytics features included only in more expensive plans.
- Prepaid annual and monthly fees are non-refundable; if you cancel your subscription, you’ll immediately owe the remaining installment fees in your plan, if any apply.
Online: 3.5% + $0.15
for card readers only; $99 for Connect Lite plan; $199 for Connect Plus plan; $289 for Connect Pro plan.
on SumUp's website
Pros
- Free POS plans for card readers.
- Automated marketing tools for sending customers targeted promotions.
- Available in more than 30 countries.
Cons
- Online transaction rate is more expensive than some competitors.
- POS system software requires 12-month contract.
SumUp POS
Best for Automated marketing toools
Best for Automated marketing toools
Online: 3.5% + $0.15
for card readers only; $99 for Connect Lite plan; $199 for Connect Plus plan; $289 for Connect Pro plan.
on SumUp's website
Pros
- Free POS plans for card readers.
- Automated marketing tools for sending customers targeted promotions.
- Available in more than 30 countries.
Cons
- Online transaction rate is more expensive than some competitors.
- POS system software requires 12-month contract.
Pros
- No long-term contract or termination fees.
- 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
- Online payment processing rates can be difficult to navigate.
- Limited accounting and payroll integrations.
PayPal POS
Best for Accepting various payment methods
Best for Accepting various payment methods
Online: 3.49% + $0.09
Pros
- No long-term contract or termination fees.
- 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
- Online payment processing rates can be difficult to navigate.
- Limited accounting and payroll integrations.
Jump to
Our picks for the best retail POS systems
Square for Retail
FEATURED
- $0 for Square Free plan.
- $49 for Square Plus plan.
- $149 for Square Premium plans.
- $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).
- 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.
Clover POS
- $0 for Retail Basic plan.
- $84.95 for Retail Standard plan.
- $104.90 for Retail Advanced plan.
- $279 for countertop card reader.
- $599 for Clover Flex handheld terminal.
- $1,799 for Clover Station Duo system.
- 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 all Retail plans, Professional Services Standard and Advanced plans, all Personal Services plans and the Home and Field Services Advanced plan.
- 2.6% plus 10 cents for in-person transactions on the Home and Field Services Standard plan.
- 3.5% plus 10 cents for online or keyed-in transactions.
Helcim
- $99 for a mobile card reader (with stand).
- $329 for a stand-alone terminal with built-in thermal printer (or 12 monthly payments of $30).
- Interchange plus 0.4% and 8 cents per in-person transaction (if $50,000 or less in monthly card transactions).
- Interchange plus 0.5% and 25 cents per online or manually keyed transaction (if $50,000 or less in monthly card transactions).
- 0.5% plus 25 cents for ACH payments (capped at $6).
Shopify POS
- $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.
- $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.
- $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.
- 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 Retail POS
- $109 for Basic plan ($89 if billed annually).
- $179 for Core plan ($149 if billed annually).
- $339 for Plus plan ($289 if billed annually).
- $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.
- 2.6% plus 10 cents per in-person transaction.
- 2.9% plus 30 cents for online transactions.
SumUp
- $0 for POS Lite plan.
- $99 for Connect Lite POS plan.
- $199 for Connect Plus POS plan.
- $289 for Connect Pro POS plan.
- $54 for SumUp Plus card reader.
- $64 for SumUp Plus cradle bundle.
- $99 for SumUp Solo touchscreen.
- $169 for SumUp Solo Printer Bundle.
- $499 for POS Lite and Solo Bundle.
- SumUp POS is quote-based.
- 2.6% plus 10 cents for in-person transactions.
- 2.90% plus 15 cents for online invoice transactions.
- 3.5% plus 15 cents for card-not-present transactions.
PayPal POS
- $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).
- 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).
Didn't find the right solution?
What is a retail POS system?
How to choose a POS system for retail
Retail POS system costs
- Software cost: Generally, you'll have to pay a monthly fee to use POS software, which may cost up to $89 or more per month. In some cases, however,
and less expensive plans are available.free POS systems - Hardware cost: This includes the cost of countertop terminals, handheld terminals, barcode scanners, receipt printers and card readers. Depending on the capabilities of the
, your costs could range from nothing to over $1,000. Certain retail businesses will be able to do most of their in-person sales through an inexpensive, or even free, mobile card reader.POS hardware - Payment processing fees: Often, but not always, a POS system comes bundled with payment processing services. Sometimes, processing rates are the same regardless of what type of card is used and how it’s used (in person, online, etc.). In other cases, processors charge
— which vary by card — plus a flat fee. The latter method can be less predictable but is more transparent.interchange fees





