Your free business.com+ membership unlocks exclusive tech deals and advisor support
Join Free
BDC Hamburger Icon

Menu

Close
BDC Logo with Name
Search Icon
Search Icon
Advertising Disclosure
Close
Advertising Disclosure

Business.com aims to help business owners make informed decisions to support and grow their companies. We research and recommend products and services suitable for various business types, investing thousands of hours each year in this process.

As a business, we need to generate revenue to sustain our content. We have financial relationships with some companies we cover, earning commissions when readers purchase from our partners or share information about their needs. These relationships do not dictate our advice and recommendations. Our editorial team independently evaluates and recommends products and services based on their research and expertise. Learn more about our process and partners here.

The Best Point-of-Sale (POS) Systems for Retail Businesses

Retail-focused POS systems from Clover, Shopify and more speed up the sales process, track inventory and collect customer data.

author image
Written by:
Nicole Fallon, Senior Analyst
author image
Editor verified:
Gretchen Grunburg,Senior Editor
Last Updated Oct 14, 2026
Business.com earns commissions from some listed providers. Editorial Guidelines.
9.6 /10
Editor's rating
Best for All-in-One Retail Operations
  • Retail plan starts at $349 or $16 per month for 36 months
  • 350+ app integrations
  • Built-in payment processing

 

Visit Site
Links to Clover Retail POS
8.5 /10
Editor's rating
Best for In-Person Retailers
  • No monthly software fee
  • Interchange-plus pricing with volume discounts
  • 50+ software integrations
Visit Site
Links to Helcim Retail POS
Lightspeed logo
Lightspeed Retail POS
9.4 /10
Editor's rating
Best for Retail Inventory Management
  • Starts at $89 per month
  • Third-party processors allowed (fees apply)
  • 70+ X-Series integrations; 80+ R-Series integrations
National Retail Solutions logo
National Retail Solutions
8.5 /10
Editor's rating
Best for Independent Retailers
  • Starts at $19.95 per month with NRS Pay
  • Third-party processors allowed (fees apply)
  • Limited integrations
Shopify logo
Shopify Retail POS
9.4 /10
Editor's rating
Best for Online Retailers
  • Starts at $29 per month
  • Third-party processors allowed (fees apply)
  • 16,000+ apps (Shopify ecosystem)
Table Of Contents Icon

Table of Contents

Open row

business.com provides industry-specific reviews so business owners in various sectors can find the right technology solutions for their type of business. Our recommendations are based on vendor interviews, product demonstrations, hands-on testing and firsthand experience. Prior to publication, every evaluation is checked to make sure it meets our standards for quality, fairness and accuracy.

To choose the best POS systems for retail businesses specifically, we assessed solutions that would serve both brick-and-mortar and online stores. We favored vendors that offered robust hardware for in-person sales along with modern e-commerce software for a smooth shopping experience and insightful data analytics. We compared inventory tracking tools, mobile apps and payment processing options while considering the costs and flexibility of each provider’s plans. Learn more about our methodology and editorial process.

How We Decided

Tip Bulb

How We Decided

Our team of sales experts and software analysts evaluated 112 POS systems to find the best options for retail businesses. We looked at established providers as well as smaller companies that might be a good fit for independent stores and growing retailers. We...

MoreMore

Our team of sales experts and software analysts evaluated 112 POS systems to find the best options for retail businesses. We looked at established providers as well as smaller companies that might be a good fit for independent stores and growing retailers. We focused on features that matter most to retail business owners, including inventory management, payment processing, e-commerce capabilities and ease of use. We also compared pricing, credit card processing rates, scalability and customer support. From there, we narrowed the list to 14 providers for more detailed research, vendor demos, hands-on testing and customer review analysis before selecting our top six.

112

evaluated

14

researched

6

chosen

Our team of sales experts and software analysts evaluated 112 POS systems to find the best options for retail businesses. We looked at established providers as well as smaller companies that might be a good fit for independent stores and growing retailers. We focused on features that matter most to retail business owners, including inventory management, payment processing, e-commerce capabilities and ease of use. We also compared pricing, credit card processing rates, scalability and customer support. From there, we narrowed the list to 14 providers for more detailed research, vendor demos, hands-on testing and customer review analysis before selecting our top six.

112

evaluated

14

researched

6

chosen

Whether you run a small boutique or a large retail store, your point-of-sale (POS) system does more than process payments. It can help you keep track of inventory, manage employees, monitor sales and give customers a smoother checkout experience. Choosing the right system can make a big difference in how efficiently your store runs.

We researched and compared dozens of the best POS systems to find the ones that work best for retailers. We looked at pricing, ease of use, hardware options, inventory management, mobile capabilities and other features that matter to retail businesses. Our top picks include options for independent stores, growing businesses and retailers that sell both online and in person.

 

Compare Our Best Picks

BDC Ribbon
Our Top Picks for 2026
Clover Retail POS
Helcim Retail POS
Lightspeed Retail POS
National Retail Solutions
Shopify Retail POS
Square POS
Rating (Out of 10)9.68.59.48.59.49.1
Use Case

Best for All-in-One Retail Operations

Best for In-Person Retailers

Best for Retail Inventory Management

Best for Independent Retailers

Best for Online Retailers

Best for New and Growing Retailers

Starting Price

$349 or $16 per month for 36 months (Retail plan)

Free

$89 per month

$19.95 per month (with NRS Pay)

$29 per month

Free

Free Trial

No free trial for retail plans

N/A (free software)

14 days

No

3 days

30 days for paid plans

Contract Length

Monthly and 36-month plans

Month-to-month; no long-term contracts

Monthly or annual plans

Monthly or annual plans

Monthly or annual plans

Monthly

POS Hardware

Clover Station Solo, Clover Station Duo, Clover Flex, Clover Flex Pocket, Clover Mini, Clover Go, Clover Compact

Card Reader, Smart Terminal

iPad and desktop POS setups, Smart Terminal V2, Mobile Tap V2, barcode scanners, receipt and label printers, cash drawers, customer-facing displays

Puma POS, Cheetah POS, Panther Workstation, Panther Tablet Bundle

POS Terminal, card readers, mobile POS devices, tablet stands, barcode scanners, receipt and barcode printers, cash drawers

Square Register, Square Terminal, Square Stand, Square Handheld, Square Readers

Integrations

350+

50+

70+ (X-Series); 80+ (R-Series)

DoorDash, Grubhub, Uber Eats, Altria; API available

16,000+ apps (Shopify ecosystem)

400+

Customer Support

Phone, email, live chat

Phone, email, online ticketing

24/7 live chat; 24/7 phone support on Plus

Phone, email, live chat, in-POS support requests

24/7 live chat; phone and email support on select plans

Phone, email, live chat

Review Link
Scroll Table

Reviews

Clover POS logo
Editor's Rating: 9.6/10
Visit Site
Links to Clover

We chose Clover as our best all-in-one retail POS system because it brings payment processing, inventory tracking, customer management and reporting together in one platform. We especially like how Clover automatically updates inventory as items sell, helping retailers keep track of stock without constantly adjusting records manually. The system also supports online orders for pickup and delivery, giving customers more ways to shop.

Clover also has tools to help retailers bring customers back. You can collect customer contact information and marketing preferences, then offer loyalty rewards and special promotions to encourage repeat business. We like that Clover includes these features in its POS system, so retailers don’t have to juggle separate programs for checkout, inventory and customer loyalty.

Beyond sales and customer engagement, Clover offers employee management tools and reports that help retailers track sales trends and monitor business performance. It also connects with popular business applications, including BigCommerce, QuickBooks and Gusto, making it easier to manage online sales, accounting and employee information. Although some features require higher-tier plans or additional apps, we think Clover is a great choice for retailers who want to manage more of their operations from one place.

Clover POS hardware setup featuring a touchscreen register, cash drawer, receipt printer and payment terminal.

Clover offers countertop POS hardware and payment devices to help retailers manage checkout and daily sales. Source: Clover

Clover offers different POS plans depending on the type of business you run. For this review, we’re focusing on its retail packages, which combine POS software and hardware with built-in payment processing. Retailers can purchase equipment upfront or choose a 36-month subscription. Here’s how Clover’s three retail plans compare.

PlanPricingFinancing OptionWhat’s Included
Basic$349$16 per month for 36 monthsClover Compact with a 3.6-inch touchscreen and built-in receipt printer
Standard$1,899 + $84.95 per month$180 per month for 36 monthsClover Station Duo, receipt printer and cash drawer
Advanced$2,648 + $104.90 per month$240 per month for 36 monthsClover Station Duo, Clover Flex handheld POS, receipt printer and cash drawer

The Basic package includes Clover’s Starter software, while Standard and Advanced include Retail Growth, which offers more extensive inventory management, online sales and customer loyalty features.

You’ll also pay payment processing fees, which vary by plan. Clover’s Basic plan charges 2.6 percent plus 10 cents for each in-person transaction, while Standard and Advanced have a slightly lower rate of 2.3 percent plus 10 cents. If you enter a customer’s card information manually, you’ll pay 3.5 percent plus 10 cents per transaction, regardless of your plan.

  • Clover combines payment processing, POS hardware and business management tools in one platform, making it easier to handle everyday retail operations.
  • Clover offers a variety of countertop and mobile POS hardware options to accommodate different retail setups.
  • Clover includes security features such as end-to-end encryption and tokenization to help protect customer payment information.
  • Clover systems purchased directly through Clover require Clover payment processing, limiting retailers' flexibility.
  • Clover's hardware packages can be expensive, particularly for smaller retailers that need more than the basic setup.
  • Some customers report long wait times when contacting Clover's support team during busy periods.

Clover has earned an 8.9 out of 10 on TrustRadius, based on 42 reviews and ratings. Customers praise its ease of use, sturdy hardware and straightforward payment processing, although we saw some concerns about customer support and pricing.

One reviewer who uses Clover at five retail locations appreciated having payment processing and back-office management tools in one system. “It allows us to easily and securely process credit card transactions while having back-office management functions,” the reviewer wrote. The customer explained that their previous payment system lacked transaction visibility, employee controls and other useful features.

Helcim logo
Editor's Rating: 8.5/10
Visit Site
Links to Helcim

We chose Helcim as our best POS system for in-person retailers because it combines payment processing and POS tools without charging a monthly software fee. Its POS software works on mobile devices and Windows and Mac computers, giving retailers flexibility in how they set up their checkout. Businesses can start with Tap to Pay on iPhone, add the Helcim Card Reader or use the Smart Terminal for a more traditional POS setup.

Helcim also includes inventory management, customer profiles, purchase histories and sales reporting, along with tools for accepting payments online and through other channels. We especially like Helcim’s interchange-plus pricing, which automatically lowers its markup as businesses process more card payments. This can help retailers save on processing costs as their sales grow.

Helcim POS interface showing products, an order and payment processing options.

Helcim’s built-in POS software lets businesses manage orders and process payments from the same interface. Source: Helcim

One thing we like about Helcim is that there’s no monthly fee for its POS software. Instead, you pay a processing fee whenever you accept a card payment. Helcim uses interchange-plus pricing, which means you pay the underlying card processing costs plus Helcim’s markup. Here’s what you can expect to pay:

Transaction TypePricingKey Details
In-person paymentsInterchange + 0.40 percent + 8 centsStarting markup for card-present transactions; automatic volume discounts apply
Keyed and online paymentsInterchange + 0.50 percent + 25 centsStarting markup for manually entered and online card transactions; volume discounts apply
ACH payments0.50 percent + 25 centsFees are capped at $6 per transaction, with an additional 0.05 percent charged on amounts over $25,000.
Fee Saver0 percent merchant credit card processing cost on eligible transactionsOptional program that lets eligible businesses pass processing fees to customers, subject to applicable rules

Here are a few other pricing details to know:

  • No monthly or setup fees: Helcim doesn’t charge monthly account, setup, statement, PCI compliance or cancellation fees. There are no long-term contracts.
  • Volume discounts: Helcim automatically lowers its processing markup as monthly card volume increases.
  • Hardware: The Helcim Card Reader costs $199, while the Smart Terminal costs $349 or $32 per month for 12 months. Tap to Pay on iPhone doesn’t require additional hardware but carries an extra 10-cent fee per approved transaction.
  • Helcim includes free POS software with inventory management, customer profiles and sales reporting tools.
  • Businesses can accept payments in person, online and on the go from the same platform.
  • Helcim doesn't charge monthly account fees or require long-term contracts.
  • Helcim's card readers and payment terminals must be purchased separately.
  • Helcim lacks some of the advanced inventory and retail management features offered by more specialized POS systems.
  • Helcim prohibits certain industries and may require additional underwriting for some higher-risk businesses.

Helcim has earned a 4 out of 5 on Trustpilot, based on more than 1,000 reviews. Many customers say the system is easy to set up and that Helcim’s support team is helpful when they have questions. Others mention saving money on processing fees after switching to Helcim. Not everyone has had a positive experience, though. We also found complaints from merchants whose accounts were unexpectedly placed under review or whose payments were held without much warning.

Helcim responds to many negative reviews, often explaining that it reviews merchant accounts during signup and periodically afterward to manage risk.

Lightspeed logo
Editor's Rating: 9.4/10

We chose Lightspeed as our best POS system for retail inventory management because it gives retailers the tools to manage large product catalogs and keep track of stock across their business. We especially like how retailers can import thousands of stock-keeping units (SKUs) instead of entering products individually. Lightspeed also provides access to preloaded supplier catalogs, making it easier to add products without manually entering all their details.

Lightspeed’s inventory tools go beyond tracking what’s on the shelves. Retailers can monitor stock levels, set low-stock alerts and create purchase orders when it’s time to reorder. We appreciate how these features work together to help businesses avoid running out of popular items or ending up with excess inventory.

If you have multiple locations, Lightspeed lets you track inventory across stores and transfer products where they’re needed. For example, if one location is running low on a popular item, you can check whether another store has extra stock. We particularly like this capability for retailers with large product catalogs, since keeping track of inventory across several stores can quickly get complicated.

Lightspeed offers three Retail POS plans, with lower monthly rates for businesses that choose annual billing. All plans include one register, inventory management, integrated payments and access to supplier catalogs. Higher-tier plans add more extensive reporting, e-commerce and customization tools.

PlanPricingWhat’s Included
Basic$89 per month (billed annually); $109 month-to-monthRetail POS, one register, inventory management, Lightspeed Wholesale, NuORDER Catalog, purchase order syncing, basic e-commerce and 24/7 live chat
Core$149 per month (billed annually); $179 month-to-monthEverything in Basic, plus full built-in e-commerce, customer loyalty, advanced reporting, accounting and marketing integrations and a mobile scanner app
Plus$289 per month (billed annually); $339 month-to-monthEverything in Core, plus Lightspeed Insights, API access, workflows, custom user roles, single sign-on and 24/7 phone support

Payment processing fees are additional. Lightspeed charges 2.6 percent plus 10 cents for tapped, inserted or swiped transactions. Rates for manually entered and online payments may differ, so retailers should confirm their processing costs before signing up.

  • Lightspeed offers extensive inventory management tools, including supplier catalogs, purchase order syncing and multilocation stock tracking.
  • Lightspeed includes basic e-commerce tools on all retail plans, with more extensive functionality available on Core and Plus.
  • Lightspeed offers 24/7 live chat support on all retail plans, so retailers can get help whenever they need it.
  • Lightspeed charges an additional monthly fee if you use a third-party payment processor.
  • POS hardware is sold separately, adding to retailers' upfront costs.
  • 24/7 phone support is limited to the Plus retail plan.

Lightspeed Retail has earned a 9.2 out of 10 on TrustRadius, based on 35 reviews and ratings. Customers appreciate its inventory management capabilities, ease of use and reporting tools, although some report concerns about pricing and customer support.

One reviewer who uses Lightspeed at three museum stores praised its ability to handle large inventories across multiple locations. “Well suited for larger companies who have a lot of inventory and/or multiple locations,” the reviewer wrote. The customer also appreciated the straightforward setup, inventory controls and easy-to-use reporting features.

National Retail Solutions logo
Editor's Rating: 8.5/10

We chose National Retail Solutions (NRS) as our best POS system for independent retailers because it’s designed for small businesses that need reliable checkout and inventory tools without paying for an expensive retail management platform. We especially like its starting price of $19.95 per month with NRS Pay, which makes it an affordable option for convenience stores, bodegas and neighborhood shops. The system includes inventory management, sales reporting and employee management tools to help retailers handle everyday operations.

NRS also offers features that address the needs of smaller stores. Its database of preprogrammed UPCs makes it easier to add products to inventory, while optional loyalty programs help retailers encourage repeat purchases. Businesses can also add online ordering capabilities and integrations with services like DoorDash, Uber Eats and Grubhub. We appreciate that NRS offers multilingual customer support, which can be especially helpful for independent retailers and their employees.

Retailers who need additional features can move up to a higher-tier plan. NRS also allows businesses to use an outside payment processor, although they’ll pay more for their monthly software subscription. NRS doesn’t have all the bells and whistles of some larger POS systems, but that’s not necessarily a drawback. For independent retailers that mainly need to manage sales, inventory and everyday store operations, it offers a practical option without a hefty monthly software bill.

With National Retail Solutions, you’ll pay upfront for your POS hardware and a monthly fee for the software. The Panther Tablet Bundle starts at $499 if you use NRS Pay, while the larger Puma countertop system costs $1,299. You’ll also get a lower monthly software rate with NRS Pay, although you’ll still pay processing fees on card transactions.

NRS offers four monthly software plans:

PlanPricingWhat’s Included
Basic$19.95 per month with NRS Pay; $29.95 withoutThree users, inventory management, sales reporting, custom user permissions, promotions, remote management and phone and chat support seven days a week
Pro$34.95 per month with NRS Pay; $54.95 withoutEverything in Basic, plus unlimited users, advanced reporting, employee time clock, security camera integration, customer tabs and item modifiers
Advanced$49.95 per month with NRS Pay; $74.95 withoutEverything in Pro, plus an e-commerce website, BOSS Local shopping app, delivery network, SMS receipts, license ID scanning and customer loyalty programs
Elite$79.95 per month with NRS Pay; $109.95 withoutEverything in Advanced, plus customer text marketing and AI product recommendations

Retailers can pay monthly or choose annual billing to receive one month free. Additional POS terminals cost $19.95 per month each with NRS Pay or $29.95 without.

Keep in mind that NRS Pay may have additional monthly fees, depending on the payment processing plan. Certain Panther configurations also carry an extra $30 monthly software fee, so retailers should confirm their total costs before purchasing.

  • NRS offers an all-in-one POS system with payment processing, inventory management and employee management tools.
  • The platform is designed specifically for independent retailers, including convenience stores, bodegas and neighborhood shops.
  • NRS offers customer loyalty programs and e-commerce capabilities for retailers that want to expand their business.
  • Hardware, payment processing fees and optional add-ons can increase the total cost of the system.
  • NRS offers fewer third-party integrations than some competing retail POS systems.
  • Retailers that don't use NRS Pay pay higher monthly software rates.

National Retail Solutions has earned a 4.7 out of 5 on Trustpilot, based on nearly 500 reviews. Customers frequently praise the company’s helpful support team, particularly when they need assistance setting up or troubleshooting their POS systems.

One reviewer appreciated how patiently a support representative handled a technical issue. “It took us 40 mins to resolve and he didn’t put me on hold,” the customer wrote, adding that the representative stayed responsive throughout the process.

Shopify logo
Editor's Rating: 9.4/10

We chose Shopify as our best retail POS system for online retailers because it lets businesses manage their online and in-person sales in one place. You can build an online store, accept payments and keep track of inventory without switching between different systems. We particularly like that Shopify updates inventory automatically when something sells, whether the purchase happens online or in your physical store. That makes it easier to know what you actually have available to sell.

Shopify also offers a user-friendly interface and extensive e-commerce tools, including customizable storefronts, abandoned shopping cart checkout recovery and built-in search engine optimization (SEO) features. Retailers can choose from thousands of apps to add functionality, whether they want to improve their marketing, manage customer relationships or connect with other business tools. We appreciate how these options give retailers room to expand their online operations without switching platforms.

For businesses that also operate physical stores, Shopify offers casual in-person selling features with its paid plans and an optional POS Pro upgrade with more advanced retail features. Although the additional subscription costs can add up, we think Shopify is a great choice for retailers that want to grow their online presence while keeping their in-store operations connected.

Shopify POS interface displayed on a tablet, showing product search, order management and checkout options.

Shopify’s POS system lets retailers manage orders, find products and process in-store purchases from a single interface. Source: Shopify

Shopify offers three main subscription plans for businesses that sell online, in person or both. Retailers that need more advanced features for a physical store can add POS Pro for an additional monthly fee.

Here’s how Shopify’s pricing breaks down:

PlanPricingWhat’s Included
Basic$29 per month (billed annually); $39 month-to-monthFull online store, casual in-person selling features, inventory management, unlimited products, sales reporting, limited POS staff access and 24/7 live chat support
Grow$79 per month (billed annually); $105 month-to-monthEverything in Basic, plus five Shopify admin staff accounts, unlimited POS logins, lower payment processing rates and shipping discounts
Advanced$299 per month (billed annually); $399 month-to-monthEverything in Grow, plus 15 Shopify admin staff accounts, lower payment processing rates, third-party calculated shipping rates and regional storefront customization

Payment Processing

Shopify’s payment processing fees vary by plan and transaction type. With Shopify Payments, Basic charges 2.6 percent plus 10 cents for in-person transactions and 2.9 percent plus 30 cents for online payments. Grow lowers those rates to 2.5 percent plus 10 cents in person and 2.7 percent plus 30 cents online, while Advanced charges 2.4 percent plus 10 cents in person and 2.5 percent plus 30 cents online.

Retailers that use a third-party payment processor pay additional transaction fees of 2 percent on Basic, 1 percent on Grow and 0.6 percent on Advanced. POS hardware and optional POS Pro subscriptions cost extra, so businesses should consider these expenses when comparing Shopify’s total cost with other retail POS systems.

Shopify POS Pro (Optional Add-on)

Retailers can upgrade to POS Pro for $89 per month per location or $67 per month per location with an annual commitment. POS Pro adds features designed for businesses with physical stores, including:

  • Advanced staff roles and permissions.
  • Customer loyalty insights and more detailed retail reporting.
  • In-store pickup, shipping to customers and other omnichannel fulfillment options.
  • More advanced inventory management and retail checkout tools.

POS Pro is available with Shopify’s Basic, Grow and Advanced plans. Shopify also offers a 14-day trial of POS Pro, separate from its three-day introductory Shopify trial.

  • Shopify lets retailers manage online and in-person sales, inventory and customer information from a single platform.
  • Shopify offers extensive e-commerce tools and thousands of apps to help retailers expand their businesses.
  • Shopify provides 24/7 chat support across its subscription plans.
  • Shopify POS Pro costs extra per retail location, making advanced in-store features more expensive.
  • Retailers that use a third-party payment processor pay additional transaction fees.
  • Additional expenses, including POS hardware, domain registration and currency conversion fees, can increase overall costs.

Shopify has earned an 8.7 out of 10 on TrustRadius, based on more than 700 reviews and ratings. Customers frequently praise its ease of use, inventory management tools and extensive app selection. However, some reviewers say the cost of third-party apps can add up, particularly when they need features that aren’t included in Shopify’s standard plans.

One reviewer who uses Shopify for most of their e-commerce operations also appreciated its ability to “Run a POS for small pop-up operations.” The customer praised Shopify’s inventory management and customization options but noted that inventory reporting could be better.

Square logo
Editor's Rating: 9.1/10

We chose Square as our best POS system for new and growing retailers because of its free plan and easy-to-use business tools. Retailers can start with basic POS and inventory features without paying a monthly software fee, then upgrade to Plus or Premium as they need more advanced functionality. Square also offers tools for online sales, invoicing, customer loyalty, team management, gift cards and payroll.

We like that Square gives retailers several ways to accept payments without requiring an expensive hardware setup. Businesses can use Tap to Pay on compatible iOS and Android devices or choose from Square’s range of POS hardware, including its Reader, Stand, Terminal, Handheld and Register. This flexibility lets new retailers start small and add equipment as their businesses grow.

Square also offers inventory management tools that help retailers track products and stock across locations. Its extensive app marketplace gives growing businesses additional ways to customize the system and connect Square with other software they use.

Square hardware

Square offers a range of POS hardware options, including touchscreen registers, receipt printers and barcode scanners, to help retailers set up their checkout. Source: Square

Here’s a breakdown of Square’s plans and other costs:

PlanPricingKey Features
Square Free$0 per monthPayment processing, POS app, online selling, invoicing, booking, basic inventory tools, Square Banking
Square Plus$49 per month per locationEverything in Free, plus advanced POS features, staff management, loyalty tools, email and text marketing, lower processing rates
Square Premium$149 per month per locationEverything in Plus, plus advanced business tools, 24/7 phone support and Square’s lowest standard in-person processing rate

Credit Card Processing Fees

Square uses flat-rate processing, with rates that vary by plan:

Transaction TypeSquare FreeSquare PlusSquare Premium
In person2.6 percent + $0.152.5 percent + $0.152.4 percent + $0.15
Online3.3 percent + $0.302.9 percent + $0.302.9 percent + $0.30
Online API2.9 percent + $0.302.9 percent + $0.302.9 percent + $0.30
Manual entry or card on file3.5 percent + $0.153.5 percent + $0.153.5 percent + $0.15

Hardware

Square also offers a range of proprietary POS hardware. New Square accounts may qualify for one free magstripe reader, while additional hardware starts at $59.

  • Square Reader: $59
  • Square Kiosk: $149
  • Square Stand: $149
  • Square Terminal: $299
  • Square Handheld: $399
  • Square Register: $899

Free and Paid Add-Ons

Square also offers an array of add-ons, including the following:

Service or Add-onPrice
Virtual TerminalNo monthly fee; processing fees apply
Square Payroll$35 per month + $6 per person paid
ACH invoice payments1 percent, $1 minimum; $10 cap with Plus and Premium
Text marketingPlus includes 500 messages, then $0.03 each; Premium includes 2,500 messages, then $0.015 each
Gift card loads2.5 percent with Free and Plus; no load fee with Premium
  • Square's free plan includes payment processing, invoicing, basic inventory management and online selling tools.
  • Square offers 30-day free trials of its Plus and Premium plans.
  • Square offers business checking and savings accounts, as well as financing options for eligible businesses.
  • Square doesn't allow retailers to use third-party payment processors with its POS system.
  • Some advanced inventory management and employee management features require a paid plan.
  • Some customers have reported difficulties getting timely assistance from Square's support team.

Square has earned a 3.6 out of 5 on Trustpilot, based on more than 7,400 reviews. Customers frequently praise its ease of use and straightforward setup process. However, some reviewers report difficulties reaching customer support and frustrations with account restrictions.

What is a POS System?

A point-of-sale (POS) system combines hardware and software to help businesses process customer purchases. Think of it as a modern, computerized cash register. In addition to accepting credit card payments and other digital payment methods, POS systems record transactions, track sales and help retailers manage inventory.

The best retail POS systems go beyond basic checkout functions, offering tools for managing employees, tracking customer purchases and generating detailed sales reports. These features help business owners understand what’s selling, keep popular products in stock and make better decisions about their operations.

How Would a Retail POS System Work?

A retail POS system handles each step of the checkout process. When a customer is ready to make a purchase, the cashier scans the product barcodes or enters the items manually. The system calculates the total, including applicable taxes, and lets the customer pay with cash, a credit card or another accepted payment method.

Once the payment is complete, the POS system records the sale and generates a receipt, which can typically be printed or sent electronically as a digital receipt. It also updates inventory records automatically, so retailers can see what’s been sold and how much stock they have left.

Many retail POS systems offer additional tools for tracking sales, generating POS reports and managing employees. Business owners can also set up individual employee logins and permissions to control who can access certain features and information. For example, a cashier might be able to process sales and returns, while a manager has permission to adjust prices, view reports or manage inventory. These settings can be updated as employees take on new responsibilities.

TipBottom line
Your POS system can be a valuable resource for retail marketing. Use sales and customer purchase data to identify popular products, plan promotions and create targeted offers that encourage repeat business.

What are the Benefits of a POS System for Business?

A retail POS system does more than process payments. The right system can help you manage everyday operations, serve customers more efficiently and make better decisions about your business.

Here are some of the biggest benefits:

  • Keep inventory organized and avoid stockouts. A retail POS system tracks product sales, stock levels and deliveries, giving you an up-to-date picture of what’s available. This helps reduce ordering mistakes and makes it easier to restock popular products before they sell out.
  • Give customers a better shopping experience. Faster checkout and flexible payment options can make shopping more convenient. For example, a mobile POS system lets employees check out customers using an in-store tablet or mobile device instead of making them wait in line. Some systems also offer personalized promotions and loyalty rewards that encourage repeat visits.
  • Make smarter business decisions. POS reporting tools help you see which products sell best, when your store is busiest and how customer purchasing habits change over time. You can use this information to adjust inventory, plan promotions and make more informed decisions about your business.
  • Save time on everyday tasks. POS systems can automate tasks like calculating sales tax, tracking daily sales and updating inventory records. Many also integrate with the best accounting software and the best CRM software solutions, reducing manual data entry and giving you more time to focus on running your store.

How Much Does a Retail POS System Cost?

The cost of a retail POS system depends on the software, hardware and payment processing services your business needs. Some providers, like Square and Helcim, offer free POS software, while others charge $20 to $200 or more per month. More advanced plans typically cost more, especially if you need detailed inventory management, employee management or tools for multiple locations.

Hardware is another expense to consider. A basic card reader may cost less than $100, while a complete checkout setup with a touchscreen register, barcode scanner, cash drawer and receipt printer can cost $1,200 or more. If you’re just starting out, you may be able to use a smartphone or tablet you already own, keeping your upfront costs low.

Don’t forget about payment processing fees, which apply each time a customer pays by card. Some providers also charge extra for features like customer loyalty programs, e-commerce integrations or additional registers. Before choosing a system, compare the total cost of the software, hardware, processing fees and any add-ons you’ll need.

A more expensive POS system may be worth the investment if it saves your employees time, helps prevent inventory mistakes or makes checkout easier for customers. The goal is to find a system that fits your budget while giving your business room to grow.

Bottom LineBottom line
The advertised monthly price doesn’t always tell the whole story. Some POS providers charge extra for additional registers, payment processing or features like customer loyalty programs. Be sure to ask about all the POS charges and fees before committing to a system so you know what you’ll actually pay.

How to Choose a Retail POS System

Choosing the right retail POS system takes more than comparing prices and features. You’ll want to find a system that works for your store today and can accommodate your needs as your business grows.

Follow these steps to narrow down your options.

1. Make a list of your business’s POS needs.

Start by thinking about how your store operates and what you need your POS system to handle. Do you sell online and in person? Do you have multiple locations? Are you struggling to keep track of inventory or manage employee schedules?

Make a list of your must-have features, such as barcode scanning, inventory tracking, customer loyalty programs or e-commerce integrations. Then separate those from features that would be nice to have but aren’t essential.

“The first step is to determine your ultimate business needs,” said Jason Schlichting, an account executive at ScanSource. “Consider if the software is customizable; if not, ensure the features offered meet the needs of your business. It’s important to determine what features are non-negotiable for your business to operate successfully.”

2. Compare POS systems that meet your requirements.

Once you know what you need, look for providers that offer those capabilities. Compare their software plans, hardware options and payment processing requirements. Pay attention to which features are included in the base price and which require an upgrade or additional fee.

Think about your future needs, too. You may not need advanced reporting or multilocation inventory management today, but switching POS systems later can be a hassle. Look for a provider that gives you room to grow without forcing you to pay for features you won’t use.

3. Check compatibility with your existing software.

Next, find out whether each POS system works with the business tools you already use. For example, connecting your POS system to your accounting software can save you from entering the same sales information twice. If you sell online, you’ll also want to know whether your inventory and orders can sync between your store and e-commerce platform.

Review each provider’s integrations and ask whether connecting your existing software requires additional subscriptions, third-party services or technical assistance.

4. Test the system before making a decision.

A POS system might look impressive on paper but still be frustrating to use during a busy shift. Take advantage of free trials or product demonstrations to see how the software works.

Try completing common tasks, such as processing a sale, issuing a refund, adding inventory and running a sales report. If possible, have a few employees test the system, too. Their feedback can help you identify problems before you’ve committed to a provider.

Ask about installation and training requirements as well. Some systems are simple enough to set up yourself, while others may require professional installation or help transferring your existing inventory data.

5. Find out what happens if the system goes down.

Even a short POS outage can disrupt sales, so it’s worth investigating how each provider handles technical problems. Ask about system reliability, offline payment capabilities and what happens to transactions if your business internet connection goes out.

You’ll also want to understand the provider’s maintenance and support policies, particularly if your store operates outside standard business hours.

“Warranty and maintenance should be strongly considered when purchasing a POS,” said Bart Collins, VP of strategic retail accounts at DecisionPoint Technologies. “A retailer’s ability to conduct transactions requires a much stronger sense of urgency than comparing warranty to consumer electronic devices.”

6. Review the total cost and support terms before signing.

Once you’ve narrowed your choices to two or three providers, request a complete breakdown of costs. Include monthly software subscriptions, hardware, payment processing fees, installation and any optional features you’ll need. Find out whether there’s a contract, what happens if you cancel and whether you’ll have to replace your hardware if you switch providers.

Don’t overlook customer support. Read customer reviews, check support hours and ask how quickly the provider responds to technical issues. If the provider offers a service-level agreement (SLA), review it carefully to understand what support you’re entitled to.

“Ensure [SLAs] support your business needs and look for dedicated account representatives,” Schlichting said.

With this information, you can compare your finalists based on what they’ll actually cost and how well they’ll support your store, rather than choosing solely on the advertised monthly price.

What Features Should You Look for in a Retail POS System?

When comparing POS system features, you’ll want to look at both the software and hardware. The right combination depends on how your store operates, but these are some of the features we prioritized when evaluating retail POS systems.

Software features

  • Inventory management: Look for tools that track stock levels as products are sold, alert you when items are running low and help you manage inventory across multiple locations. Some systems also track product variations, such as different sizes and colors, which can be especially useful for clothing and specialty retailers.
  • Mobile POS capabilities: A mobile POS app lets employees process purchases from a tablet or smartphone, whether they’re helping customers on the sales floor or selling products at an event. This can help speed up checkout and give your staff more flexibility.
  • Sales reporting: Your POS system should make it easy to see what’s selling, which products aren’t moving and when your store is busiest. More advanced systems can also track employee sales performance and compare results across locations.
  • Payment processing: Make sure the system accepts the payment methods your customers prefer, including credit cards, debit cards and contactless payments. You’ll also want to compare processing fees and find out whether you’re required to use the provider’s payment processing service.
  • Customer management: Some retail POS systems let you track purchase histories, manage customer profiles and offer loyalty rewards. These features can help you build relationships with shoppers and encourage repeat business.
  • Software integrations: If you already use accounting, e-commerce or CRM software, check whether the POS system connects with those tools. Integrations can reduce manual data entry and help keep your sales, inventory and customer information consistent.

Hardware features

Retail POS hardware can be as simple as a smartphone and card reader or as extensive as a complete checkout station. Before choosing a provider, make sure it supports the equipment your store needs.

Common hardware options include:

  • Card readers and payment terminals: Accept credit cards, debit cards and contactless payments at checkout.
  • Barcode scanners: Speed up checkout and reduce errors by automatically adding products to a sale.
  • Cash drawers: Keep cash payments organized and secure.
  • Receipt printers: Give customers printed receipts and provide a backup when digital receipts aren’t practical.
  • Touchscreen registers and customer displays: Make it easier for employees to process transactions and let customers review purchases before paying.

Some retailers may also need label printers, scales or other specialized equipment. If you’re considering a traditional cash register, compare its capabilities with those of a modern POS setup before deciding which is right for your store.

Did You Know?Did you know
Some providers require you to use their processing services, which means switching to one of the best credit card processors for lower rates or better terms could also mean replacing your equipment. Before buying hardware, find out whether you’ll have the flexibility to change processors later.

What Are Some Alternative POS Systems?

Our top picks aren’t the only options worth considering. Depending on your business’s needs, these retail POS systems may also be a good fit.

GoDaddy

GoDaddy is worth considering if you want to build an online store while also selling products in person. In addition to its POS system, GoDaddy offers a website builder with customizable templates, online payment options and tools for selling through marketplaces like Amazon and Etsy. You can manage products and orders from a central dashboard and sync inventory across supported sales channels, helping you avoid selling items that are no longer in stock. GoDaddy may be particularly appealing to smaller retailers that want to establish an online presence without managing several separate platforms. Learn more in our GoDaddy review.

Brilliant

Brilliant is another option for retailers that want flexibility in their POS hardware. The system uses Clover devices, including the Station Solo and handheld Flex, so businesses can choose a setup that works for their checkout needs. Brilliant also offers employee management tools that help retailers organize schedules, track labor costs and plan staffing around busy shopping periods. This can be particularly useful for stores with fluctuating traffic or seasonal staffing needs. Learn more in our Brilliant POS review.

Epos Now

Epos Now is a flexible POS option for retailers that want to choose their own hardware setup. The company offers touchscreen registers, tablet-based systems and its Pro+ mobile POS device, giving businesses several ways to handle checkout. Its retail software includes inventory management, sales reporting and employee management tools. Retailers can also connect other business applications through Epos Now’s integrations. As a business grows, it can add devices and features without having to replace its entire POS system. Learn more in our Epos Now review.

Wix

Wix is best known for its website builder (in fact, it made our list of the best website builders available), but it’s also a good option for retailers that want to manage online and in-person sales from one platform. Its POS system syncs inventory and sales information across channels, making it easier to keep track of products whether customers shop online or in your store. Wix offers both countertop POS hardware and mobile checkout options, including card readers manufactured by Stripe. In-person payments through its integrated POS system are processed by Wix Payments at flat rates. Wix also offers a 30-day return window for eligible POS hardware, giving retailers some flexibility if the equipment isn’t right for their store. Our detailed Wix review explains more.

TipBottom line
If your business serves food or drinks, a retail POS system may not have everything you need. The best POS systems for restaurants offer specialized features like table management, kitchen order routing and menu customization. Even coffee shops and quick-service businesses can benefit from these tools.

Methodology

To find the best retail POS systems, our team of sales experts and software analysts started by evaluating 112 platforms. We considered well-known providers alongside smaller companies and newer POS solutions that might be a good fit for retail businesses.

We narrowed our list by examining each system’s capabilities and comparing nearly 50 factors, including retail-specific features, payment processing options, pricing, ease of use, scalability and customer support.

From there, we selected 14 POS systems for a closer look before choosing our six top recommendations. Our research included vendor demonstrations, hands-on testing and customer reviews to see how each system performed and whether actual users had experiences similar to ours.

We weighted four main categories based on what matters most to business owners when choosing a POS system:

  • Pricing (30 percent): We compared monthly subscription fees, hardware costs, payment processing rates and additional charges. We also looked at what each pricing tier includes to determine which systems offer the best value for retailers.
  • Features (25 percent): We evaluated essential retail POS capabilities, including inventory management, payment processing, customer management, loyalty programs and integrations. We also considered advanced features, such as automated inventory monitoring, pricing tools and support for multiple locations.
  • Ease of use (25 percent): We assessed how easy each system was to set up, learn and use for everyday retail tasks. Our evaluation included software navigation, hardware operation, customization options and mobile capabilities.
  • Customer service (20 percent): We compared support channels, availability and plan restrictions, including whether phone support was offered with lower-priced plans. We also reviewed each provider’s online help resources and training materials.

Our research helped us identify the strongest retail POS systems overall as well as which providers were best suited to specific business needs. These findings informed the “Best for” designations throughout this guide.

To learn more about how we evaluate business products and services, see our editorial process.

Retail POS System FAQs

A retail POS system automatically records transaction details, including what customers buy, when they make purchases and how much they spend. If you have a loyalty program or collect customer information at checkout, you may also be able to track individual shopping habits, purchase histories and contact details, such as email addresses and phone numbers. This information can help you identify popular products, personalize promotions and encourage repeat business.

Square and Helcim are among the most affordable retail POS options because they offer free POS software. Both let businesses accept payments, track sales and manage inventory without a monthly software subscription. However, you’ll still pay payment processing fees and may need to purchase hardware. Square also offers paid plans with more advanced features, while Helcim includes many of its tools at no additional software cost. For small retailers with straightforward needs, either system can be an affordable place to start.

Setting up a retail POS system can take anywhere from an hour to several weeks, depending on your business’s size and needs. If you run a small store with limited inventory, you may be able to connect your hardware and start accepting payments in an hour or two. Larger retailers may need more time to transfer inventory and customer data, configure integrations and train employees. If you’re switching from another POS provider, ask about migration assistance and setup support to make the transition easier.

Most modern retail POS systems are designed to be easy to learn, even for employees who haven’t used one before. Basic tasks like ringing up sales, processing returns and checking inventory should be straightforward. However, more advanced features may take some getting used to, especially if you’re switching from another system. Take advantage of any training resources your provider offers to help employees get comfortable with the software and avoid disruptions during the transition.

A mobile POS system can be useful even if you only sell from a physical storefront. Employees can use tablets or handheld devices to check out customers anywhere in the store, which helps reduce long lines during busy shopping periods. Mobile POS systems are also handy for retailers that sell at farmers’ markets, trade shows or pop-up events. Many retail POS providers offer mobile checkout options, although you may need to purchase additional hardware or pay extra for certain features. If your store has a single checkout counter and doesn’t experience much foot traffic, a traditional POS setup may be all you need.

Jeremy Bender contributed to the reporting and writing in this article.

Did you find this content helpful?
Verified CheckThank you for your feedback!
author image
Written by: Nicole Fallon, Senior Analyst
Nicole Fallon brings a wealth of entrepreneurial experience to business.com with nearly a decade at the helm of her own small business. She and her co-founder successfully bootstrapped their venture and now oversee a dedicated team. Fallon's journey as a business owner enables her to provide invaluable insights into the intricacies of the startup process and beyond, along with guidance in financial management, workplace dynamics, sales and marketing, and more. At business.com, Fallon covers technology solutions like payroll software, POS systems, remote access and business phone systems, along with workplace topics like employee attrition and compressed schedules. Beyond her personal entrepreneurial endeavors and business.com contributions, Fallon is skilled at offering macro-level analysis of small business trends as a contributor to the U.S. Chamber of Commerce. Her observations have also been published in Newsweek, Entrepreneur and Forbes, showing she's a trusted voice in the business world. Fallon's collaborative spirit extends to partnerships with B2B and SaaS companies, where she lends her expertise to drive innovation and sustainable growth. Her multifaceted experiences converge to offer a holistic perspective that resonates with budding entrepreneurs and industry leaders alike.