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Much of your business’ success depends on having the right tools in the hands of the right people at the right time. The best point-of-sale (POS) systems go beyond processing payments to serve as a tech platform that empowers your staff. These systems do so by delivering key information about your products and customers to staff when and where it can be put to the most effective use.

Our lineup of the best POS systems shows that there’s a great solution for every merchant’s needs and budget, whether a pop-up t-shirt shop, full-service restaurant or multi-store retail chain. We’ve ranked each solution based on value, features and customer support so you can make an informed decision on which is best for you.

Best POS systems

Why trust our small business experts

Our team of experts evaluates hundreds of business products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 20 companies reviewed.
  • 760 data points analyzed.
  • 100+ hours of research.

Best POS systems comparison

 PAYMENT PROCESSING FEESTARTING HARDWARE PRICINGTHIRD-PARTY INTEGRATIONS INVENTORY MANAGEMENT24/7 CUSTOMER SUPPORT
Clover
Card present: 2.3% plus $0.10
Card not present: 3.5% plus $0.10
$49
Yes
Yes
Yes
Square
Card present: 2.6% plus $0.10
Card not present: 2.9% to 3.5% plus $0.15 to $0.30
$0 for first reader
Yes
Yes
Yes
eHopper
As low as 2.5% plus $0.10
$99
Yes
Yes
No
Shopify
Card present: 2.4% plus $0.10 and up
Card not present: 2.5% plus $0.30 and up
$49
Yes
Yes
Yes
Erply
2.2% plus $0.10 and up
Third-party systems
Yes
Yes
No
Lightspeed
Card present: 2.6% plus $0.10
Quote required
Yes
Yes
Yes
Aloha POS
Contact for a quote
Contact for a quote
Yes
Yes
Yes
Korona POS
Depends on payment processor
Third-party systems
Yes
Yes
Yes
Lightspeed Restaurant
Card present: 2.6% plus $0.10
Card not present: 2.9% plus $0.30
Quote required
Yes
Yes
Yes
PayPal POS
Card present: 2.99% plus $0.49
Card not present: 3.49% plus $0.49
$29
Yes
Yes
No

Methodology

We extensively research the key competitors within an industry to determine the best products and services for your business. Our experts identify the factors that matter most to business owners, including pricing, features and customer support, to ensure that our recommendations offer well-rounded products that will meet the needs of various small businesses.

We collect extensive data to narrow our best list to reputable, easy-to-use products with stand-out features at a reasonable price point. And we look at user reviews to ensure that business owners like you are satisfied with our top picks’ services. We use the same rubric to assess companies within a particular space so you can confidently follow our blueprint to the best POS systems of 2024.

Expert score (10%): To calculate our expert score, we consider features, value for money, popularity and ease of use. We give greater weight to value and ease of use because these factors contribute directly to your business’ bottom line.

Pricing (30%): Considerations in determining a POS vendor’s score for pricing include pricing transparency (10%) and whether the vendor offers free trials (5%). Other factors are the company’s monthly fees, transaction rates and hardware costs.

Features (51%): The features considered mandatory are accepting a range of payment types, offering mobile payments, providing inventory management and supporting in-person and online sales. Additional features include employee scheduling, free card readers, gift cards and guest self-service.

Ratings and reviews (9%): We use customer reviews in the aggregate to get a sense of how users are experiencing the products, and the tone and effectiveness of their interactions with the vendors initially and over time.

What is a POS system and how does it work?

Point-of-sale (POS) systems facilitate payments. They usually consist of software, such as virtual payment terminals, as well as hardware, like physical payment terminals, cash drawers, scanners and card readers. 

Cash registers of yore — essentially repositories for printed cash and not much more — just can’t compete with the capabilities of modern systems.

POS systems work in the following way:

  1. The total amount due for the purchase is calculated.
  2. Sales tax is added. 
  3. The payment is processed either directly using a payment card or virtually using the card information. The bank may have to authorize the transaction in this step.
  4. The transaction is completed, and the details, including the time, date and value, are logged.
  5. Depending on the complexity of the POS system, inventory will be updated, and a paper or digital receipt will be issued.

Benefits of POS systems

POS systems allow users to:

  • Accept payments online or in-store: POS systems allow businesses to accept payments for goods and services, whether in person, over the phone or online.
  • Be able to take many forms of payment: Modern POS systems can accept all kinds of payment types, from credit cards and contactless to cryptocurrency and good old cash.
  • Allow for mobility: Some businesses and services need to be mobile. Certain trades, crafts and other types of businesses require transactions on the go. POS systems allow for this to happen with ease.
  • Streamline record keeping: A good POS system can reduce the need for additional bookkeeping. These systems can track your sales and invoicing, simplifying your operations.
  • Track trends and other insights: POS systems now offer reporting and analytics for businesses. This data can help tailor your offerings based on insights from the system.

Who needs a POS system?

Any business that exchanges goods or services with individuals or businesses for monetary payment on a regular basis needs a POS system. While this includes cash-only businesses, it goes doubly for any commercial endeavor that intends to sell products to consumers who have shown a preference for non-cash purchases.

In particular, modern business banking relies on electronic transactions, whether you’re the payee or the payer. The importance of a reliable and effective POS system extends to a business’ dealings with business partners as well as with their customers and financial partners.

How to choose the best POS system

Choosing the best POS system means considering a range of different factors, as businesses will have varying requirements depending on their size, industry and sales volume. Here’s what you need to consider, starting with the types of POS systems:

  • Free POS: These plans typically come with basic POS features, and you pay only transaction fees. Generally, you will pay for any hardware, but some, like Square, include a free card reader to get you started.
  • Paid POS: Paid plans typically come with more advanced features. Some include hardware.
  • POS software: All POS systems require software. If you operate online only, you may only require software.
  • POS hardware: If you operate in a physical location, you will probably require some type of hardware to accept payments. This hardware will integrate with your software.
  • Customized POS: Some providers offer specially tailored plans for specific industries like retail, restaurants and appointment-based or field services.

Key features to look for

If your business only needs a basic POS system, you might find some providers’ free or basic plans can fulfill your business needs, while other providers offer more comprehensive plans for businesses that require extra features like inventory management, payroll software and scheduling and reporting tools.

Some key features to look for include: 

  • Intuitive interface: Remember that it won’t just be you using the system — your employees will be too. Don’t underestimate the power of a simple, easy-to-use interface. It’ll make training and transactions run smoothly.
  • Inventory management: Whether you have thousands of items in a retail store or are keeping track of ingredients in a restaurant, you are likely going to need to keep tabs on your supply. A good POS system will make this easy.
  • Scheduling: Whether appointments, reservations or staff schedules, a solid POS system will help you keep track of time in a way that makes sense for your business.
  • Customer database: You may not need a full-fledged CRM, but you will want to be able to save and access basic information about your customers.
  • Reporting: Whether sales, analytics or some other aspect of your business — accurate reporting is key. This information helps keep your books in the black and offers insights for future changes you can make to improve your business.

Hardware

Not all businesses need cash registers, payment terminals and scanners, but if you do, ensure hardware is affordable and compatible with existing software and equipment. Make a list of the hardware you’ll need, then ensure your chosen provider offers it or can at least accommodate it.

The types of hardware you may want to consider include:

  • Card readers: Card readers can take swipe, chip or tap payments.
  • Mobile POS terminals: These terminals take all forms of card payments and also come with PIN pads. Some also include receipt printers.
  • Registers: Some providers offer their own proprietary register setups, and others offer the accessories to mount your own tablet and integrate with other necessary card readers and printers.

UX and ease of use 

POS systems vary in complexity, and you don’t want to have to frequently rely on the customer service team for help. Free trials can be a good way to test a system and see if you get along with it before committing. If no free trial is available, consider asking for a demo to assess the product’s ease of use.

Customer service 

The availability and quality of a provider’s customer support team is important. Not all offer 24/7 support, but you should consider the provider’s support channels and whether its support representatives have a reputation for being helpful.

Software integrations 

Many POS systems offer third-party integrations and APIs that can be useful for customizing a POS to your unique needs. It’s worth considering which integrations will be relevant for you and if an API will be helpful or overly complex. 

How much do POS systems cost?

 STARTING MONTHLY FEEPAYMENT PROCESSING FEEFREE TRIAL
Clover
$14.95
Card present: 2.3% plus $0.10
Card not present: 3.5% plus $0.10
Yes
Square
$0.00
Card present: 2.6% plus $0.10
Card not present: 2.9% to 3.5% plus $0.15 to $0.30
Yes
eHopper
$0.00
As low as 2.5% plus $0.10
Yes
Shopify
$5.00
Card present: 2.4% plus $0.10 and up
Card not present: 2.5% plus $0.30 and up
Yes
Erply
$0.00
2.2% plus $0.10 and up
Yes
Lightspeed
$109.00
Card present: 2.6% plus $0.10
Yes
Aloha POS
Contact for a quote
Contact for a quote
No
Korona POS
$59.00
Depends on payment processor
Yes
Lightspeed Restaurant
$69.00
Card present: 2.6% plus $0.10
Card not present: 2.9% plus $0.30
Yes
PayPal POS
$0.00
Card present: 2.99% plus $0.49
Card not present: 3.49% plus $0.49
No

It might seem obvious, but keep costs in mind when deciding what POS system you need, as not all providers offer transparent pricing. Consider processing fees, monthly fees and hardware costs to ensure you find a plan that fits your budget. If you’re on a tight budget, look for providers with no monthly fees and free hardware.

POS system costs can be broken down into monthly fees, payment processing fees, hardware costs and a range of other service-based costs.

Monthly subscription fees

This is the core price of different POS systems, paying for its basic services such as the point-of-sale software, inventory management, reporting tools and other features. Most providers charge a monthly fee ranging from under $30 to over $200.

How much does a POS charge per transaction?

Payment processing fees are usually broken down into a monthly service fee and a per-transaction fee. The most common type of per-transaction fee is interchange-plus, which adds a small markup to the interchange fee charged by network providers.

POS system providers usually charge a percentage of the transaction amount, typically between 1.0% and 3.5%, as well as a flat fee, usually $0.05 to $0.50. Transaction rates can vary based on the type of card used to pay and whether customers are paying in person or online.

Hardware costs

POS systems often come with hardware such as payment terminals, cash registers and card readers, which are usually accessible for an up-front cost or a monthly fee. However, some providers offer free or discounted hardware when you sign up.

Service-based costs

POS service providers often add other charges to your overall bill for services that grow in cost as you scale up. Examples include:

  • Location fees: Many providers charge an additional fee for two or more business locations.
  • Transaction fees: Some providers, like Shopify, add a fee if you don’t use their software integrations (such as Shopify Payments).

Do all POS systems have a monthly fee?

Not all POS systems have a monthly fee. Providers like Erply, eHopper and Square offer plans with no monthly fee, but they do still have per-transaction payment processing fees.

What we don’t recommend

Several of the POS vendors we reviewed require that customers arrange for a demo or briefing to find out how much the company’s solutions will cost them. While we were often able to schedule the briefings and receive the pricing information we sought within a day or two, the process ate up a lot of time and required that we surrender information about our business and ourselves.

This puts the onus on potential customers to give up their time and information before they have any idea of whether the company’s product represents value for them. It’s a big yellow flag for us.

Some POS providers either require that your business use their payment processing service or charge an added fee for using a third-party provider. Others give merchants a choice of payment processors so they can find the one that offers them the best transaction processing rates. We give extra credit to vendors that give their customers as many potential ways to save money or enhance their operations as possible.

Frequently asked questions (FAQs)

Most POS systems use cloud-based software, meaning they’re connected to the internet and information is stored in the “cloud.” This means you can view and manage your business from any location at any time.

Cloud-based POS systems generally require the internet to function. However, some, such as Clover, can accept card payments offline, storing the data safely and processing it upon a resumed connection.

Yes, many POS systems, such as Square, offer software through a mobile or tablet app. You’ll need a card reader to accept payments from debit cards, credit cards and mobile phones.

The POS setup process will vary vendor-to-vendor and depending on whether you are also setting up hardware in addition to the software. You can choose to set up your system yourself or get help from your provider if it offers it. You will need to migrate any stored data, upload your products, train your team and make sure your hardware is configured properly.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Dennis O'Reilly has more than two decades of experience writing about hardware, software and tech services for news outlets, tech sites and educational institutions. He edited PC World's Here's How section for more than seven years and was a founding member of the CNET Blog Network, where he posted hundreds of tips to help people get more out of the technology in their lives. Dennis also was the technical editor for the Windows Secrets newsletter and editorial supervisor for Ziff-Davis's Computer Select service. Dennis is a graduate of the University of Michigan and the Empire College School of Law in Santa Rosa, California. He and his wife are long-time residents of the Northern California. When he's not digging deep into the mysteries of 21st century technology, Dennis volunteers as a pro bono attorney.

Sierra Campbell is a small business editor for USA Today Blueprint. She specializes in writing, editing and fact-checking content centered around helping businesses. She has worked as a digital content and show producer for several local TV stations, an editor for U.S. News & World Report and a freelance writer and editor for many companies. Sierra prides herself in delivering accurate and up-to-date information to readers. Her expertise includes credit card processing companies, e-commerce platforms, payroll software, accounting software and virtual private networks (VPNs). She also owns Editing by Sierra, where she offers editing services to writers of all backgrounds, including self-published and traditionally published authors.