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Top Rated Retail POS System Software with Credit Card 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: April 2026

Credit card processing allows retail businesses to accept diverse payment methods, enhances transaction speed, and supports various card types. It boosts sales, improves customer convenience, and ensures secure payment handling. Our reviewers in retail POS system software rated this feature as highly important.

3 Best Retail POS System Software with Credit Card Processing

  • PayPal Zettle
  • Square Point of Sale - Highest rated for credit card processing
  • PayPal

See other top Retail POS System products with credit card processing

How we picked the 3 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 retail pos system software category. They also needed to have sufficient reviews about credit card 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 the product with the highest rating for credit card processing 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 3 best products

PayPal Zettle logo
4.6
(2.2K)

User insights about the credit card processing feature

Reviewers indicate that PayPal Zettle's credit card processing is straightforward and user-friendly. They appreciate the ability to accept contactless payments and the competitive flat rate fees. Users find the system reliable for both swiping and manually typing in credit cards, and they report that it significantly speeds up invoice payments. They also value the ease of use and security features, making it a preferred choice for many businesses.
“With so many consumers using credit cards, credit card processing is an absolute MUST. More than 75% of my sales are made with credit cards.Zettle makes accepting credit cards using a chip or tapping the card super easy!”
VS

Verna S.

Owner

“We started using PayPal to offer customers a credit card payment option, as opposed to just a bank transfer. Offering this option sped up how quickly invoices were paid.”
SC

Sam C.

Director

Retail POS System key features coverage

PayPal Zettle offers 5 out of the 6 key features for Retail POS System software identified by reviewers:

Point of Sale (POS)4.4
Inventory Management4.3
Retail Management4.4
Payment Processing4.6
Sales Reports4.5
Barcode/Ticket Scanning

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 credit card processing feature

Reviewers appreciate Square Point of Sale's credit card processing for its speed, ease of use, and security. They find the processing fees competitive and the integration with point of sale seamless. Users report that it accepts all major credit cards and offers multiple payment methods, including swipe, chip reader, and tap to pay. They highlight the reliability and quick turnaround of transactions, although some mention occasional issues with online orders and higher fees for manual input.
“Instantly process credit card payments! I have a little card reader which plugs right into the headphone jack of my cell phone and I'm able to take payments at every craft show and pop-up shop event.”
NS

Nathalie S.

Owner

“They take every card there is. Flexibility in transferring your sales to the bank and one set, very low, processing fee for any sale with any card”
FV

Felicia V.

Owner

Retail POS System key features coverage

Square Point of Sale offers 5 out of the 6 key features for Retail POS System software identified by reviewers:

Point of Sale (POS)4.7
Inventory Management4.3
Retail Management
Payment Processing4.7
Sales Reports4.5
Barcode/Ticket Scanning4.2

Pros and cons based on 3,018 verified reviews

73% 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 3,018 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.

PayPal logo
4.7
(26.2K)

User insights about the credit card processing feature

Reviewers highlight PayPal's credit card processing for its speed, security, and ease of use. They appreciate the quick processing times and the ability to link multiple credit cards. Users report that it works well both online and offline, providing a smooth and reliable payment experience. They value the integrated security features and the convenience of using PayPal for various transactions, although some mention occasional difficulties with card recognition and customer service issues.
“Very efficient. It takes less than a minute to link your credit card to PayPal. You can use the credit card to receive money or buy goods and services.”
MP

Malekiado P.

DCEO

“ credit card processing in PayPal is a divine dance of convenience and security : Wide AcceptanceEnhanced SecurityEase of Use”
AA

Aicha A.

saller

Retail POS System key features coverage

PayPal offers 5 out of the 6 key features for Retail POS System software identified by reviewers:

Point of Sale (POS)4.3
Inventory Management4.1
Retail Management
Payment Processing4.6
Sales Reports4.6
Barcode/Ticket Scanning4.5

Pros and cons based on 26,280 verified reviews

74% of users rated PayPal 5 out of 5 stars, while 2% gave it 1 or 2 stars. To determine these pros and cons insights we analyzed 26,280 reviews and identified the topics where users expressed positive and negative sentiment.

Pros:

Enhanced user safety

Efficient invoicing capabilities

Convenient online shopping

Robust security measures

Seamless transaction management

Cons:

High transaction fees

Inefficient refunds and disputes

Issues with email transactions

High fees and hidden costs

Costly currency exchange

See pros and cons details

Pricing

Starting price:$0.29 other|Free version:Available|Free trial:Not available

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

Other Top Rated Retail POS System Software with Credit Card Processing in 2026

PayPal logo

Payment processing, fraud protection and risk management

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Read more about PayPal

Users also considered
Square Point of Sale logo
Category Leaders

iPad & Android point of sale (POS) system

Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

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
Booqable logo

Rental software for small and medium-sized businesses.

Booqable is equipment rental software for small and medium-sized businesses. It enables companies from various industries to manage inventory, schedule equipment, and accept online bookings.

Read more about Booqable

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
Phorest logo

Salon software for business management and growth

Phorest is an all-in-one POS solution used by over 155,000 hair and beauty professionals worldwide. Phorest is proud to be a life force for our industry, offering everything you need to manage, market and grow your business to take it to the next level.

Read more about Phorest

Users also considered
Odoo logo

All-in-one open-source business software

Odoo is an all-in-one, open-source business platform covering CRM, Sales, Accounting, Inventory, Manufacturing, and Projects. It’s fully integrated, customizable, and scalable for companies of any size or budget.

Read more about Odoo

Users also considered
Square for Retail logo

POS & inventory management for retail businesses

Whether you sell online or in store, Square for Retail can work for your retail business no matter your size or style.

Read more about Square for Retail

Users also considered
GlossGenius logo

Appointment scheduling and reminder solution

GlossGenius is a booking and payment app for beauty and wellness professionals. With a custom website, card readers, smooth booking experience, text and email marketing, client reminders, and more, GlossGenius helps businesses make more and stress less.

Read more about GlossGenius

Users also considered
Nomod logo
Category Leaders

Take card payments anytime, anywhere.

Accept card payments via payment links or in-person using only your phone. Forget the many hassles of cash or transfers!

Read more about Nomod

Users also considered
AestheticsPro logo

Simplify and grow your medspa with all-in-one cloud software

AestheticsPro includes a cloud-based, HIPAA-compliant POS to sell services and products, manage inventory, apply discounts, and track sales — all linked to client records and business reporting for seamless front-desk operations.

Read more about AestheticsPro

Users also considered
SimpleConsign logo

Consignment Made Easy

SimpleConsign is a cloud-based consignment store management solution that offers a point of sale (POS) system, inventory management, customer histories, and more. Powering thousands of resale stores, SimpleConsign is the software of choice for the consignment and resale industry.

Read more about SimpleConsign

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
Booker logo

Spa and Salon Business Management Software

Cloud-based online booking, scheduling, point of sale and marketing software - everything you need to run your salon and spa better.

Read more about Booker

Users also considered
Booksy Biz logo

Appointment scheduling and facility management tool

Booksy Biz is a business management platform designed to streamline and optimize operations for service-based businesses. The platform offers a suite of features to help owners and professionals manage day-to-day activities with ease. At the core of Booksy Biz is its powerful calendar management system. Users can personalize calendars with color-coding and drag-and-drop functionality, while also taking advantage of automated waitlists to fill unexpected openings.

Read more about Booksy Biz

Users also considered
Cin7 Omni logo

Cloud-based inventory management solution

Cin7 Omni makes complex retail and wholesale simple, with all-in-one Inventory Management, POS, Direct EDI Integration and 3PL integration.

Read more about Cin7 Omni

Users also considered
Lightspeed Retail logo

The point of sale you'll love to use.

Lightspeed Retail is a complete point of sale (POS) & inventory management tool that simplifies time-consuming tasks like inventory & employee management. Access detailed sales reports in minutes and use built-in customer profiles to provide personalized service that will increase customer loyalty.

Read more about Lightspeed Retail

Users also considered
RepairDesk logo

Modern repair shop management software for repair shops.

RepairDesk is an all-in-one repair shop management software which provides repair ticketing, inventory, customer relationship management (CRM), invoicing, payment processing, marketing, reporting, and more. The cloud-based point of sale (POS) platform is perfect for all sorts of repair businesses.

Read more about RepairDesk

Users also considered
Datascan Pharmacy Software logo

Pharmacy management software for independent pharmacies

Winpharm helps dispensaries, independent and long term care (LTC) pharmacies, doctors, and hospitals manage billing, sales, purchases, prescriptions, refills, and more. The platform enables users to create custom eCare plans, define goals, evaluate issues, and set follow-up alerts for patients!

Read more about Datascan Pharmacy Software

Users also considered
RetailEdge logo
Category Leaders

Point of sale & inventory management solution for retailers

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
Toast POS logo
Category Leaders

Cloud-based Point of Sale solution for restaurants

Toast POS solution is a cloud-based restaurant management platform for restaurant owners to reduce staff & operational costs and improve customer experience

Read more about Toast POS

Users also considered
Shopify POS logo
Category Leaders

POS for unifying in-store & online sales

Shopify Point of Sale (POS) is a retail management system that integrates everything needed to run a successful brick-and-mortar or omnichannel business. The POS software and hardware work seamlessly together to streamline daily operations, from inventory management and staff controls to smooth checkout and detailed reporting.

Read more about Shopify POS

Users also considered
EZRentOut logo

Equipment rental software

EZRentOut simplifies equipment rental operations by centralizing bookings, inventory tracking, availability, and billing. From quoting to returns, EZRentOut gives rental businesses full control and visibility, helping optimize order management and customer satisfaction.

Read more about EZRentOut

Users also considered
SpotOn logo
Category Leaders

Restaurant POS for payment processing

SpotOn Restaurant is a cloud-based point of sale (POS) solution designed to help small to medium businesses in the hospitality industry streamline online payments, tableside orders, and fraud protection. The labor management module lets users handle employee hours, gratuities, shifts, and more.

Read more about SpotOn

Users also considered

Key features for Retail POS System software

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

  • Point of Sale (POS): Users find it crucial for processing transactions quickly, customizing features on the fly, and integrating with various hardware. 97% of reviewers rated this feature as important or highly important.
  • Inventory Management: Reviewers appreciate real-time inventory tracking, easy categorization, and the ability to manage stock levels across multiple locations. 92% of reviewers rated this feature as important or highly important.
  • Retail Management: Users value centralized control over retail operations, including pricing, discounts, and promotions, for improved sales performance. 92% of reviewers rated this feature as important or highly important.
  • Payment Processing: Reviewers highlight the importance of seamless, fast, and reliable payment processing, supporting various payment methods for improved customer experience. 91% of reviewers rated this feature as important or highly important.
  • Sales Reports: Users find detailed, customizable sales reports essential for tracking performance and making informed business decisions. 91% of reviewers rated this feature as important or highly important.
  • Barcode/Ticket Scanning: Reviewers appreciate the streamlined checkout process and improved inventory management provided by efficient barcode and ticket scanning features. 85% of reviewers rated this feature as important or highly important.