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Top Rated Point of Sale Software with Payment Processing 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

Payment processing enables businesses to accept various payment methods efficiently and securely, whether in-store, online, or on the go. It streamlines transactions, enhances the customer experience, and ensures accurate financial tracking and reporting. Our reviewers in point of sale software rated this feature as important.

9 Best Point of Sale Software with Payment Processing

Product
User rating
Starting price
Epos Now logo
3.8
(708)
349
flat rate
visit website
SumUp logo
4.5
(1.4K)
99
flat rate/per month
visit website
Toast POS logo
4.2
(547)
69
flat rate/per month
visit website
Venmo logo
4.7
(9.2K)
Empty state illustration for "No pricing info"

No pricing info

Square Point of Sale logo
4.6
(3K)
Free
Lavu POS logo
4.2
(256)
Empty state illustration for "No pricing info"

No pricing info

Clover logo
3.8
(564)
Empty state illustration for "No pricing info"

No pricing info

CAKE POS logo
4.6
(521)
69
flat rate/per month
PayPal Zettle logo
4.6
(2.2K)
0.01

See other top Point of Sale products with payment processing

How we picked the 9 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 payment processing, 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 up to three products based on our proprietary ratings and reviews: Highest rated, Highly rated for payment processing, and Highly rated for free version. 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 9 best products

Epos Now logo

Epos Now

Reviews Sentiment
 
 
 
1-2(188)
3-4(98)
5(422)
Key Features
Electronic Payments3.6
Point of Sale (POS)4.1

User insights about the payment processing feature

Users report mixed experiences with Epos Now's payment processing. They appreciate the quick payouts and integration with card terminals. However, many users mention issues with system reliability, high fees, unauthorized charges, and poor customer support.
Verified reviewer profile picture

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“Unable to take payments multiple times a day x 5 days. Card reader unable to connect to point of sales. ”
AL

Amy L.

Owner

“half the time it did not work and losst sales from not being able to process payments and could not get help from campany I had figure it out on my own like every other problem that popped up with the system”
Verified reviewer profile picture

Carole M.

owner

Starting price
349flat rate
visit website
Pros and Cons based on 708 verified reviews
Verified reviewer profile picture

Effective implementation support

Significant refund issues

High cancellation charges

Problematic invoice management

Inadequate call support

Hidden costs and fees

See pros and cons details
SumUp logo

SumUp

Reviews Sentiment
 
 
 
1-2(91)
3-4(366)
5(1,011)
Key Features
Electronic Payments3.7
Point of Sale (POS)4.3

User insights about the payment processing feature

Users find SumUp's payment processing to be quick, easy, and reliable. They appreciate the mobile and user-friendly interface, the QR code system, and the fast deposits. However, some users report issues with double charges, security verification, and language barriers on the website.

See related user reviews

“Fast and effective process, the link option is what I use the most, payment occurs in 3-5 working days”
MG

Micheli G.

Administrador

“I use this features to accept payments when selling items it different cities and it has always worked really well for me. Deposits are fast and customers think it is easy to use!”
SN

Shanna N.

Designer / Owner

Starting price
99flat rate /
per month
visit website
Pros and Cons based on 1,468 verified reviews

Tangible free rewards

Significant money savings

Customizable rewards program

Convenient reward tracking

Frequent discounts

Frequent connection problems

Complicated account registration

Overwhelming messaging

High costs and fees

Inadequate financial management

See pros and cons details
Toast POS logo

Toast POS

Reviews Sentiment
 
 
 
1-2(70)
3-4(155)
5(322)
Key Features
Electronic Payments4.2
Point of Sale (POS)4.4

User insights about the payment processing feature

Users report that Toast POS provides reliable and quick payment processing, with next-day deposits and offline capabilities. They appreciate the ease of use, integration with various payment methods, and competitive rates. However, some users mention high fees, frequent outages, and issues with system updates.

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“Payment processing is easy as long as the Toast network is working. Several updates cause the Toast network to not connect, which prevents payments especially on handheld devices.”
KB

Katie B.

Operations Director

“It's a simple process and still works if you lose internet. Accepting Apple pay on terminals and Toast go has been great.”
LL

Larry L.

GM/Owner

Starting price
69flat rate /
per month
visit website
Pros and Cons based on 547 verified reviews

Efficient staff training

Intuitive user interface

High service fees

Inefficient phone support

Slow issue resolution

Unreliable card processing

Poor financial management

See pros and cons details
Venmo logo
Reviews Sentiment
 
 
 
1-2(147)
3-4(1,726)
5(7,391)
Key Features
Electronic Payments4.7
Point of Sale (POS)4.5

User insights about the payment processing feature

Reviewers highlight Venmo's payment processing as fast, easy, and reliable. They appreciate the instant transfers, low fees for receiving payments, and the convenience of linking to bank accounts. Users also value the ability to process payments quickly and securely, although some mention occasional account issues and the need for better customer service.

See related user reviews

“Venmo makes processing payments clear and simple in the app with a few clicks. It's also useful that you can request a contact send you money and you can note the specific amount. ”
LB

Leila B.

Program Manager

“Transfers are made quickly and in real time, reflecting and notifying in app and by alert when payment is processed, being held or sent.”
SG

Sanford G.

Owner,Operator

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 9,264 verified reviews

Convenient bill splitting

No-cost accessibility

Efficient money transfers

Easy QR code payments

Quick and easy setup

Unnecessary social features

Complicated privacy settings

Issues with sending & receiving

Public transaction visibility

Difficult user search

See pros and cons details
Square Point of Sale logo
Reviews Sentiment
 
 
 
1-2(62)
3-4(736)
5(2,216)
Key Features
Electronic Payments4.7
Point of Sale (POS)4.7

User insights about the payment processing feature

Reviewers indicate that Square Point of Sale excels in payment processing, with its ease of use, fast processing, and reliability being frequently praised. They appreciate the flexibility to accept payments anywhere, the quick setup, and the automatic deposits. However, some users mention high fees and occasional issues with payment holds and customer support.

See related user reviews

“I can take payments any time, any where, and in almost any form. I can even account for cash payments received. Every payment is accompanied by super easy invoice which creates data pools to make things like taxes a breeze. ”
RB

Rodney B.

President

“My sales receipts have 2 ways of posting. I can transfer to my bank for free taking about 2 days or for a small fee I can transfer my days sales instantly. I prefer instantly because for a small price it makes it much easier to balance sales and deposits by a singular date”
FV

Felicia V.

Owner

Starting price
Free
Pros and Cons based on 3,014 verified reviews

Ideal for small businesses

Easy setup process

Efficient invoice management

Minimal staff training required

Comprehensive sales management

Reliance on internet connectivity

High transaction fees

Inconsistent support and issues

Compatibility issues with readers

Unreliable card reader

See pros and cons details
Lavu POS logo
Reviews Sentiment
 
 
 
1-2(30)
3-4(69)
5(157)
Key Features
Electronic Payments4.3
Point of Sale (POS)4.6

User insights about the payment processing feature

Reviewers appreciate Lavu POS's payment processing capabilities, highlighting its dual pricing options which save money and are well-received by customers. They find it fast, user-friendly, and easy to implement. Users also value the quick deposits and seamless integration with credit card readers. However, some mention the need for offline payment options and occasional issues with hotspots.

See related user reviews

“Credit Card reader is super fast and will except all card. We choose to add 4% fee into pricing giving a 4% discount for cash purchases. It's wonderful and we've had NO complaints. After first month our Lodge has saved enough on Credit fees that it actually covers our cost of the LAVU system. ”
DC

Debbie C.

Bar Manger

“Needs Offline Payment Options”
BL

Brian L.

Service Rep

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 256 verified reviews

Responsive and helpful support

Reliable customer service

Effective restaurant management

Unreliable card processing

Frequent system crashes

Unexpected price increases

See pros and cons details
Clover logo
Reviews Sentiment
 
 
 
1-2(122)
3-4(171)
5(271)
Key Features
Electronic Payments3.7
Point of Sale (POS)3.7

User insights about the payment processing feature

Reviewers indicate that Clover's payment processing is easy and efficient, supporting various payment methods including contactless options. They appreciate the quick deposits and user-friendly interface. However, some users report issues with double charges, slow processing times, and poor customer support.

See related user reviews

“Adding this system has allowed us to accept different forms of payment, ie contactless pay options. Which has been beneficial during the pandemic.”
RB

Rachel B.

Manager

“It is easy to process payment types with Clover. My system accepts all major credit cards, and even accepts Apple Pay and Google Pay.”
TW

TAMMY W.

Owner

Starting price
Empty state illustration for "No pricing info"

No pricing info

Pros and Cons based on 564 verified reviews

Intuitive and sleek interface

Hassle-free setup

Comprehensive sales tracking

Ideal for small businesses

Efficient employee training

Inefficient customer support calls

Difficult account cancellation process

Poor email communication

High and hidden fees

Complicated bank account management

See pros and cons details
CAKE POS logo
Reviews Sentiment
 
 
 
1-2(30)
3-4(94)
5(397)
Key Features
Electronic Payments4.1
Point of Sale (POS)4.5

User insights about the payment processing feature

Reviewers appreciate CAKE POS's payment processing for its reliability and timely deposits. They value the ease of use, good customer service, and competitive rates. However, some users mention issues with online payment batching, occasional delays in deposits, and the need for more processor options.

See related user reviews

“It was very easy using the credit card reader and I really liked that we had the chip reader and ability to use the tap-to-pay option even before it was available. We never had to upgrade our equipment because it came with it.”
CS

Carrie S.

Owner/Manager

“Credit card transactions are posted to our bank quickly. Never had any discrepancies.”
DK

Danielle K.

Owner

Starting price
69flat rate /
per month
Pros and Cons based on 521 verified reviews

Streamlined employee training

Quick learning curve

Efficient staff management

Flexible menu management

Intuitive terminal navigation

Inconsistent card processing

Unreliable customer support

Problematic cash and ticket management

Slow issue resolution

See pros and cons details
PayPal Zettle logo
Reviews Sentiment
 
 
 
1-2(30)
3-4(656)
5(1,604)
Key Features
Electronic Payments4.6
Point of Sale (POS)4.4

User insights about the payment processing feature

Users report that PayPal Zettle offers fast and reliable payment processing, with the ability to accept various payment methods including major credit cards and mobile payments. They appreciate the ease of use and the quick transfer of funds to PayPal accounts. However, some users experience delays in receiving notifications and issues with withheld payments.

See related user reviews

“The payment processing is an absolute 10/10 for me and my business. It enabled me to take and process credit cards and debit cards whereas before I was inable to. It is the most inexpensive processor I've found.”
JF

Jonathan F.

Manager

“With the Zettle card reader and point-of-sale app, you can accept chip, contactless, and mobile payments almost anywhere in eligible countries. Accept major credit cards as well as Apple Pay, Samsung Pay and Google Pay. .the sum of your sales will be automatically paid into your PayPal account.”
PZ

Pierrette Z.

Commerce et finance

Starting price
0.01
Pros and Cons based on 2,290 verified reviews

Efficient invoicing tools

Secure online shopping

Robust security features

User-friendly navigation

Support for small businesses

Connectivity issues

High transaction fees

Slow issue resolution

Account access problems

Slow processing speed

See pros and cons details

Other Top Rated Point of Sale Software with Payment Processing 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
MicroBiz Cloud POS logo

MicroBiz Cloud POS

Cloud POS software that automates retail business processes

visit website
Easy to use Cloud POS software that automates many of the manual tasks that consume hours and hours of time each month in retail stores.

Read more about MicroBiz Cloud POS

Users also considered
Preferred POS logo

Preferred POS

Point of sale (POS) system for retail businesses

visit website
Preferred POS is a point of sale (POS) system that helps businesses in retail, wholesale and corporate sectors access reports, a built-in stock control manager, multi-store functionality, and more. It assists with credit card processing, multi-site management, and payment processing, among other operations.

Read more about Preferred POS

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
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
AIM logo

AIM

AIM Point of Sale Software Solution for specialty retailers.

visit website
AIM offers retailers a way to manage inventory, customers and sales but also offers fully integrated add-on modules such as Accounts Payable & General Ledger, Purchase Orders, Repair & Service, Lesson/Appointment Scheduling & Billing, Short Term Rentals, Rent & Sales Contracts, and much more.

Read more about AIM

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
Microworks Prism POS logo

Microworks Prism POS

Restaurant point of sale and delivery management solution

visit website
Microworks Prism POS is a point of sale solution designed to help restaurants streamline and automate inventory control, gift cards, loyalty programs, and delivery management operations on a unified dashboard. The application provides dining and table service module, which allows professionals to prepare custom table layouts for facilities and track status on guests, table, server, food and beverage in real-time.

Read more about Microworks Prism POS

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
CashFootprint Point-of-Sale logo

CashFootprint Point-of-Sale

Retail management software and Point of Sale (PoS) tool

visit website
Developed by LotHill Solutions, CashFootprint is a point-of-sale (PoS) tool designed to simplify inventory, access, customer, and transaction security management for US retail companies by turning a laptop or desktop station into a PoS device with a built-in inventory management system.

Read more about CashFootprint Point-of-Sale

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
QuickBooks Desktop logo

Comprehensive business management solution

QuickBooks Desktop provides a comprehensive business management solution that integrates accounting, payroll, inventory, and multiple company management functionalities. The software offers industry-specific editions tailored for manufacturing, wholesale, contractors, and accountants, with features like advanced reporting, job costing, and automated pricing rules. Users can enhance their experience with cloud hosting capabilities that enable remote access and team collaboration.

Read more about QuickBooks Desktop

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

Key features for Point of Sale software

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

  • Electronic Payments: Reviewers appreciate the variety of payment options, quick transaction processing, and enhanced security features, making it convenient and efficient for both customers and businesses. 94% of reviewers rated this feature as important or highly important.
  • Point of Sale (POS): Reviewers highlight the ease of use, mobile capabilities, and integration with inventory management, enhancing sales operations and customer experience. 91% of reviewers rated this feature as important or highly important.
  • Sales Reports: Users find the detailed and customizable sales reports invaluable for tracking performance, monitoring inventory, and making informed business decisions. 88% of reviewers rated this feature as important or highly important.
  • Order Management: Reviewers note the efficient handling of orders, real-time tracking, and integration with other systems, which streamline processes and improve customer satisfaction. 87% of reviewers rated this feature as important or highly important.
  • Inventory Management: Users appreciate real-time stock updates, accurate tracking, and ease of integration with other platforms, which help maintain optimal inventory levels and reduce errors. 82% of reviewers rated this feature as important or highly important.