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Top Rated Point of Sale Software with Electronic Payments in 2026

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Verified reviewer profile picture

All user reviews are verified by in-house moderators and provider data by our software research team.  Learn more

Last updated: March 2026

Electronic payments enable quick, secure transactions and eliminate the need for cash handling. They offer versatile payment options, improve efficiency, and enhance customer convenience, allowing businesses to process payments in-store, online, and via mobile devices. Our reviewers in point of sale software rated this feature as important.

4 Best Point of Sale Software with Electronic Payments

  • Epos Now
  • Venmo
  • PayPal Zettle
  • Square Point of Sale - Highest rated for electronic payments

See other top Point of Sale products with electronic payments

How we picked the 4 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the point of sale software category. They also needed to have sufficient reviews about electronic payments, have a minimum user rating of 3 out of 5 for that feature, and show evidence of U.S. market presence. We then added a distinction for the product with the highest rating for electronic payments based on our proprietary ratings and reviews. Sponsorship or client status has no influence on the selection of these products, but it may impact the order in which products appear.

Details for the 4 best products

Epos Now logo

Epos Now

3.8
(708)
visit website

User insights about the electronic payments feature

Users report mixed experiences with Epos Now's electronic payments. Some appreciate the integration with card terminals, which speeds up transactions and offers ease of use. They find the system straightforward and efficient for both customers and operators. However, other reviewers mention issues with setup, system freezing, and lack of support during critical hours. Some users also report problems with refunds and continued charges after account closure, indicating a need for improved customer service and reliability.
“They won't pay, they refuse to process my refunds and continue to steal monthly fees months after the account closed”
MB

Michael B.

Manager

“Integration with card terminal speeds up transactions”
Verified reviewer profile picture

Tim C.

Owner

Point of Sale key features coverage

Epos Now offers 5 out of the 5 key features for Point of Sale software identified by reviewers:

Payment Processing3.5
Point of Sale (POS)4.1
Sales Reports3.7
Order Management3.4
Inventory Management3.1

Pros and cons based on 708 verified reviews

60% of users rated Epos Now 5 out of 5 stars, while 27% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 708 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Effective implementation support

Cons:

Significant refund issues

High cancellation charges

Problematic invoice management

Inadequate call support

Hidden costs and fees

See pros and cons details

Pricing

Starting price:$349 flat rate|Free version:Not available|Free trial:Not available

Prices may vary depending on the number of users and features.

Venmo logo
4.7
(9.2K)

User insights about the electronic payments feature

Users find Venmo's electronic payments feature fast, convenient, and user-friendly. They appreciate the ability to send and receive funds quickly, often instantly, and the ease of use with friends, family, and vendors. Reviewers highlight the security measures, such as encryption and two-factor authentication, and the convenience of using QR codes for transactions. They also note the app's reliability and the ability to connect with bank accounts for smooth payments. However, some users mention occasional issues with account security and customer service.
“Venmo is secure and encrypted when doing electronic transfers and payments. When it comes to hard earned money being transferred, you want a software you can trust. This is a trustworthy software.”
MA

Michael A.

Owner

“I like the electronic payment feature because it makes my job a lot easier as well as my other employees jobs a lot easier when processing payments to others clients”
HM

Heather M.

Account Manager

Point of Sale key features coverage

Venmo offers 3 out of the 5 key features for Point of Sale software identified by reviewers:

Payment Processing4.6
Point of Sale (POS)4.5
Sales Reports4.1
Order Management
Inventory Management

Pros and cons based on 9,264 verified reviews

80% of users rated Venmo 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 9,264 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Convenient bill splitting

No-cost accessibility

Efficient money transfers

Easy QR code payments

Quick and easy setup

Cons:

Unnecessary social features

Complicated privacy settings

Issues with sending & receiving

Public transaction visibility

Difficult user search

See pros and cons details

Pricing

Free version:Available|Free trial:Not available

Prices may vary depending on the number of users and features.

PayPal Zettle logo
4.6
(2.2K)

User insights about the electronic payments feature

Reviewers indicate that PayPal Zettle's electronic payments are easy to use and process quickly. They appreciate the integration with PayPal, which simplifies setting up and accepting payments. Users highlight the system's flexibility, security, and real-time reporting capabilities. They also value the portability of the Zettle device and the ability to accept various card payments. However, some users experienced difficulties with the migration from older PayPal systems and noted that it may not work in all countries.
“PayPal Zettle offers several advantages when it comes to electronic payments: 1. **Ease of Use**: PayPal Zettle is user-friendly, making it straightforward for businesses to set up and start accepting payments quickly. 2. **Integration with PayPal*”
RB

RUKSANA B.

Home service center

“Zettle is a cloud-based, app-driven POS system that lets you accept in-person and keyed-in card payments using PayPal.”
MI

Martinus I.

Freelancer

Point of Sale key features coverage

PayPal Zettle offers 5 out of the 5 key features for Point of Sale software identified by reviewers:

Payment Processing4.6
Point of Sale (POS)4.4
Sales Reports4.5
Order Management4.4
Inventory Management4.3

Pros and cons based on 2,290 verified reviews

70% of users rated PayPal Zettle 5 out of 5 stars, while 1% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 2,290 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Efficient invoicing tools

Secure online shopping

Robust security features

User-friendly navigation

Support for small businesses

Cons:

Connectivity issues

High transaction fees

Slow issue resolution

Account access problems

Slow processing speed

See pros and cons details

Pricing

Starting price:$0.01 |Free version:Not available|Free trial:Not available

Prices may vary depending on the number of users and features.

Square Point of Sale logo
4.6
(3K)

User insights about the electronic payments feature

Reviewers appreciate Square Point of Sale's electronic payments capabilities for their ease of use and convenience. They report that it supports various payment methods, including credit/debit cards, Apple Pay, and Samsung Pay, and allows for quick and secure transactions. Users highlight the flexibility of accepting payments both online and in-person, and the ability to send invoices and payment links via email or text. They find the integration with mobile devices and the fast transfer of funds to bank accounts particularly valuable.
“I have a small real estate photography company and for a couple years it was cash or check only because I was only doing a few jobs on the side while working full time as a realtor. It was almost expected in my area that the real estate agent would bring a check when the photographer was there taking pictures for the MLS. When I started letting clients know they can pay with a credit or debit card online or right on site after the appointment, they were blown away. When you're busy and running around in a million directions all day, having one less thing to worry about makes your day much easier and that's what this does. it makes everything easier.”
MC

Mike C.

Real estate photography and videography director

“Our business is primarily online, and occasionally in-person at vendor fairs. The majority of our sales are electronic. We are able to send invoices and payment links via e-mail or text message, as well as accept debit/credit card payments in person. ”
AS

Ashley S.

Co-Owner

Point of Sale key features coverage

Square Point of Sale offers 5 out of the 5 key features for Point of Sale software identified by reviewers:

Payment Processing4.7
Point of Sale (POS)4.7
Sales Reports4.5
Order Management4.4
Inventory Management4.3

Pros and cons based on 3,014 verified reviews

74% of users rated Square Point of Sale 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 3,014 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Ideal for small businesses

Easy setup process

Efficient invoice management

Minimal staff training required

Comprehensive sales management

Cons:

Reliance on internet connectivity

High transaction fees

Inconsistent support and issues

Compatibility issues with readers

Unreliable card reader

See pros and cons details

Pricing

Free version:Available|Free trial:Available

Prices may vary depending on the number of users and features.

Other Top Rated Point of Sale Software with Electronic Payments in 2026

RetailEdge logo

RetailEdge

Category Leaders

Point of sale & inventory management solution for retailers

visit website
RetailEdge is a point of sale solution that helps retail businesses manage inventory and sales orders. Key features of the platform include barcode scanning, item listing, customer history tracking, credit card processing, price management, invoicing, secure data storage, and gift card distribution.

Read more about RetailEdge

Users also considered
Odoo logo

Odoo

Category Leaders

All-in-one open-source business software

visit website
Odoo POS solution works online and offline with no installation required. Users can continue to sell and take orders even if the internet is disconnected. The software saves everything automatically and synchronizes it with the user's database as soon as the connection is live again.

Read more about Odoo

Users also considered
SumUp Point of Sale logo

SumUp Point of Sale

POS solution for the hospitality industry

visit website
SumUp’s cloud-based point of sale is designed especially for the hospitality industry and offers everything businesses need to manage their customers, restaurants and shops.

Read more about SumUp Point of Sale

Users also considered
Rapid Gun Systems logo

Rapid Gun Systems

Point of sale solution for gun retailers

visit website
Rapid Gun Systems is a POS solution designed to help gun shops and gun ranges automate processes related to inventory management, accounting, loyalty programs, and more. It lets gunsmiths automatically update dispositions and acquisitions in an electronic boundbook after every transaction.

Read more about Rapid Gun Systems

Users also considered
Pomodo POS logo

Pomodo POS

(0)

POS Solution for retail and hospitality

visit website
Pomodo POS is a cloud-based point of sale solution which helps businesses of all sizes in the retail and hospitality industry manage inventory and orders. Key features include quote generation, vendor management, kitting, custom configurations, remote data access, and reporting.

Read more about Pomodo POS

Users also considered
Epos Now logo

Epos Now

An easy-to-use, adaptable point-of-sale and payment system.

visit website
Serve customers, take payments, and run your entire business from a single POS system! Epos Now POS hardware and software designed to work together in complete harmony, worth game-changing features all within a budget that suits you.

Read more about Epos Now

Users also considered
eHopper logo

eHopper

Free POS software for retail & restaurants

visit website
eHopper is a free, cross-platform, cloud-based POS software designed for use by retail & restaurants using Android, Windows PC and Poynt mobile terminal.

Read more about eHopper

Users also considered
VenueSumo logo

VenueSumo

Save time & money with our all-in-one Venue Management Softw

visit website
Cloud-based venue management software that has all the features you’ll need to streamline online bookings, waivers, point of sale (POS), party bookings, payments, customer relationship management (CRM), memberships, advanced reporting into 1 easy to use system.

Read more about VenueSumo

Users also considered
Infrasys POS logo

Infrasys POS

Software for managing restaurant menus, orders, and payments

visit website
Infrasys POS helps businesses in the hospitality industry manage sitting plans, menus, orders, and more via a unified portal. The platform enables organizations to capture customer orders and process payments using mobile devices equipped with biometrics, RFID, and magnetic strip readers.

Read more about Infrasys POS

Users also considered
KORONA POS logo

KORONA POS

Category Leaders

A all-in-one cloud-based POS and inventory management system

visit website
KORONA's cloud-based retail point of sale system is an all-in-one solution for any retailer, QSR, or ticketed event. The software is designed to help businesses grow, and has scalability options to grow alongside the business. It's intuitive, sleek, and filled with modern POS features.

Read more about KORONA POS

Users also considered
SumUp logo

SumUp

POS and payments processing software

visit website
SumUp offers card readers and POS systems designed for small businesses across various industries. The platform provides comprehensive payment solutions including portable card readers, self-service kiosks, and invoicing capabilities. SumUp also features financial management tools such as business checking accounts and customer engagement options through gift cards and reward programs, all accessible through a single mobile application.

Read more about SumUp

Users also considered
Helcim logo

Helcim

Billing, Invoicing and Payment Processing with Helcim

visit website
Use the Helcim app to transform your workstation, tablet or smartphone into a fast and convenient point-of-sale that automatically tracks your inventory, transaction history, sales trends, and customer information. And of course, better payments are built-in.

Read more about Helcim

Users also considered
Rapid POS logo

Rapid POS

Comprehensive POS solution

visit website
Rapid POS is a POS solution with comprehensive business tools for successful retail management. Efficiently manage inventory, track sales, and run your business seamlessly. Empower your retail operations with a cost-effective solution.

Read more about Rapid POS

Users also considered
Venmo logo

Digital wallet & mobile payment gateway

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

Read more about Venmo

Users also considered
Vagaro logo

All-in-one software for beauty, wellness, & fitness pros

Vagaro is all-in-one software for beauty, wellness, and fitness professionals. Manage appointments, accept payments, run marketing campaigns, and grow your business all from one easy-to-use platform designed to help you save time and boost revenue.

Read more about Vagaro

Users also considered
Square Point of Sale logo
Category Leaders

iPad & Android point of sale (POS) system

Square Point of Sale is the customizable point-of-sale system built for businesses of all shapes and sizes.

Read more about Square Point of Sale

Users also considered
PayPal Point of Sale logo
Category Leaders

Mobile point of sale software to process online payments

The PayPal Here app is a mobile point of sale (POS) software designed to help businesses securely process debit or credit card payments and generate invoices. The application enables retailers and manufacturers to create and organize product lists and add details including photos and descriptions.

Read more about PayPal Point of Sale

Users also considered
NetSuite logo

AI-powered cloud-based business management suite

NetSuite is an AI-powered cloud-based business management suite. It helps organizations streamline their operations and gain real-time insights into their performance. The suite caters to a range of industries such as manufacturing, retail, and professional services.

Read more about NetSuite

Users also considered
Loyverse POS logo
Category Leaders

Free point of sale software & inventory system

Loyverse is a cloud POS system for cafes, bars or small shops that provides inventory management, loyalty program, electronic receipts, & customer communication

Read more about Loyverse POS

Users also considered
Square for Retail logo

POS & inventory management for retail businesses

Square for Retail is a point of sale (POS) system for retail businesses, with integrated inventory management, customer profiles, employee timecards, and more

Read more about Square for Retail

Users also considered
CAKE POS logo

CAKE POS is built for restaurants of all sizes.

CAKE's POS is designed to meet the needs of any restaurant. Our commercial-grade hardware is splash and dust proof to withstand the grueling environment of a bustling restaurant. Our hardware is backed by a simple and easy-as-cake interface to get you running with little to no training necessary.

Read more about CAKE POS

Users also considered
SimpleConsign logo

Consignment Made Easy

Powering thousands of resale stores, SimpleConsign is the point of sale (POS) and inventory management software of choice. Our POS software allows users to manage consignors in a single screen, with inventories, account activity, payout histories, and account balances all presented in one view.

Read more about SimpleConsign

Users also considered
Cin7 Core logo
Category Leaders

Inventory management software for SMBs

Cin7 Core is a cloud-based, inventory and order management application for SMBs which offers a complete back end management solution with purchasing, sales, warehouse management, and light manufacturing features as well as shipping, eCommerce and payment gateway integrations

Read more about Cin7 Core

Users also considered
PHP Point of Sale logo

Retail POS system that manages multiple store locations

PHP Point of Sale is a cloud-based retail POS solution designed for small to mid size businesses that aids with managing inventory, sales reports, customer relations, employee onboarding, sales commissions, and more. The system is mobile friendly and designed to manage multiple locations.

Read more about PHP Point of Sale

Users also considered
Boulevard logo

The tech behind your touch. Make every moment matter.

Boulevard's sleek fully integrated point of sale lets you focus on the client experience rather than messing with credit card transactions. Increase average tips by 24% within 90 days with a checkout built specifically for self-care services, not storefronts or cafes.

Read more about Boulevard

Users also considered

Key features for Point of Sale software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Payment Processing: Reviewers value the ability to process payments quickly and efficiently, supporting various payment types and ensuring smooth transactions for both customers and businesses. 93% of reviewers rated this feature as important or highly important.
  • Point of Sale (POS): Reviewers highlight the ease of use, customization, and portability of POS systems, which streamline sales processes and improve inventory management. 91% of reviewers rated this feature as important or highly important.
  • Sales Reports: Users find sales reports crucial for tracking sales trends, inventory management, and making informed business decisions through detailed and customizable reporting. 88% of reviewers rated this feature as important or highly important.
  • Order Management: Reviewers appreciate efficient order management features that streamline order processing, enhance accuracy, and improve customer satisfaction by optimizing order fulfillment. 87% of reviewers rated this feature as important or highly important.
  • Inventory Management: Users value accurate inventory tracking, real-time updates, and the ability to manage inventory across multiple locations, reducing the risk of overstocking or running out of products. 82% of reviewers rated this feature as important or highly important.