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Top Rated Retail POS System Software with Electronic Payments in 2026

Verified reviewer profile picture
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, reducing the need for manual processing and improving customer satisfaction. They support various payment methods, streamline operations, and enhance the overall efficiency of retail businesses. Our reviewers in retail POS system software rated this feature as important.

6 Best Retail POS System Software with Electronic Payments

Product
User rating
Starting price
Epos Now logo
3.8
(708)
349
flat rate
visit website
PayPal Zettle logo
4.6
(2.2K)
0.01
Shopify logo
4.5
(6.6K)
29
flat rate/per month
Square Point of Sale logo
4.6
(3K)
Free
PayPal logo
4.7
(26.1K)
0.29
other
Nomod logo
4.8
(332)
1
usage based

See other top Retail POS System products with electronic payments

How we picked the 6 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 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 up to three products based on our proprietary ratings and reviews: Highest rated, Highly rated for electronic payments, 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 6 best products

Epos Now logo

Epos Now

Reviews Sentiment
 
 
 
1-2(188)
3-4(98)
5(422)
Key Features
Point of Sale (POS)4.1
Inventory Management3.1

User insights about the electronic payments feature

Reviewers find Epos Now's electronic payments easy to use and efficient. They appreciate the integration with card terminals for faster transactions and the clear, straightforward process. However, some users report issues with system setup, freezing, and lack of support during critical hours, which affects their overall experience.
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“Integration with card terminal speeds up transactions”
Verified reviewer profile picture

Tim C.

Owner

“probability of making a mistake is negligible as opposed to taking cash and giving change”
AS

Al S.

Managing Director

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
PayPal Zettle logo
Reviews Sentiment
 
 
 
1-2(30)
3-4(656)
5(1,604)
Key Features
Point of Sale (POS)4.4
Inventory Management4.3

User insights about the electronic payments feature

Reviewers find PayPal Zettle's electronic payments easy to use and secure. They appreciate the quick processing of payments and the integration with PayPal for seamless transactions. Users mention the flexibility of accepting payments directly from mobile devices and the system's suitability for small businesses. However, some note that the migration from older systems was not straightforward.

See related user reviews

“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

“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

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
Shopify logo
Reviews Sentiment
 
 
 
1-2(136)
3-4(2,247)
5(4,259)
Key Features
Point of Sale (POS)
Inventory Management4.4

User insights about the electronic payments feature

Reviewers value Shopify's electronic payments for their convenience, security, and variety of options. They report seamless integration with multiple payment gateways like PayPal, Stripe, and Apple Pay. Users appreciate the ease of setup and the quick processing of transactions, which enhances the overall customer experience and supports global sales.
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“This is how we keep customers on our site! Shopify accepts a lot of credit cards and online payment options, so every user can pay exactly how they want to ! We even can let customers pay in payments with a 3rd party vendor”
SB

Shira B.

CEO

“Integration is really simple as Shopify apps are available for almost everything, which brings down the use of codes to zero. We integrated Stripe by simply downloading there app on Shopify. Now whenever an order is received, the payment gateway connected with the website directly communicates with stripe for smoother experience.”
Verified reviewer profile picture

Gaurav J.

Sr. Ecommerce Marketing Manager

Starting price
29flat rate /
per month
Pros and Cons based on 6,642 verified reviews
Verified reviewer profile picture

Comprehensive ecommerce features

Efficient online selling

Easy online store creation

Supports small business growth

User-friendly setup process

High transaction and subscription fees

High costs for small businesses

Slow site performance

Inconsistent issue resolution

Need for coding knowledge

See pros and cons details
Square Point of Sale logo
Reviews Sentiment
 
 
 
1-2(62)
3-4(736)
5(2,216)
Key Features
Point of Sale (POS)4.7
Inventory Management4.3

User insights about the electronic payments feature

Reviewers appreciate Square Point of Sale's electronic payments for their ease, speed, and security. They report seamless integration with various payment methods, including credit cards, Apple Pay, and Samsung Pay. Users highlight the convenience of processing payments remotely and the quick transfer of funds to bank accounts. They also value the system's reliability and user-friendly interface.

See related user reviews

“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

“Square makes taking credit cards extremely easy. We have the wall mount which has both the slot to insert card or tap to pay. Both are utilized regularly by our customers. This is the main purpose in us signing up with Square. We wanted a way for customers to use credit cards without us needing to man our storefront. This kiosk is a wonderful option. ”
DG

Danielle G.

Farm Store Manager

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
PayPal logo
Reviews Sentiment
 
 
 
1-2(520)
3-4(6,271)
5(19,382)
Key Features
Point of Sale (POS)4.3
Inventory Management4.1

User insights about the electronic payments feature

Reviewers highlight PayPal's electronic payments for their speed, security, and global accessibility. They appreciate the ease of making transactions across different devices and the integration with various payment methods like credit cards and bank transfers. Users find PayPal's platform reliable for both personal and business transactions, noting its convenience and robust fraud protection.

See related user reviews

“Pay Pal offers a convenient and efficient way to send and receive money online, with electronic payments users can make transactions from comfort of their own devices.”
TL

Tyson L.

San Miali Electrician

“Electronic payments are pivotal in PayPal due to their speed, convenience, and security. They allow users to instantly send and receive funds globally, eliminating the need for physical cash or traditional paper-based methods”
AN

Anele N.

Employee

Starting price
0.29other
Pros and Cons based on 26,173 verified reviews

Enhanced user safety

Efficient invoicing capabilities

Convenient online shopping

Robust security measures

Seamless transaction management

High transaction fees

Inefficient refunds and disputes

Issues with email transactions

High fees and hidden costs

Costly currency exchange

See pros and cons details
Nomod logo
Reviews Sentiment
 
 
 
1-2(3)
3-4(47)
5(282)
Key Features
Point of Sale (POS)4.5
Inventory Management

User insights about the electronic payments feature

Reviewers appreciate Nomod's electronic payments for their smooth, fast, and easy-to-use process. They highlight the system's reliability and the ability to process payments remotely. Users find the platform intuitive and beneficial for modern businesses, noting its positive impact on their operations and customer satisfaction.

See related user reviews

“Love the quick, reliable payment method and that it gives a credibility to our small company. ”
AH

Anna H.

Owner

“It's instant and can be used remotely ”
TA

Tauheed A.

Chairman

Starting price
1usage based
Pros and Cons based on 332 verified reviews

User-friendly and intuitive interface

High costs and transparency issues

See pros and cons details

Other Top Rated Retail POS System Software with Electronic Payments in 2026

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
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
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
Epos Now logo

Epos Now

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

visit website
Epos Now’s retail POS system sits at the center of your operation. Manage your stock, staff, sales, data and payments from anywhere. Our cloud-based system is ready to grow alongside your business, and gives you access to POS apps for accounting, marketing, ecommerce and more!

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
Phorest logo

Phorest

Salon software for business management and growth

visit website
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
KORONA POS logo

KORONA POS

Category Leaders

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

visit website
KORONA retail POS system is built for any type of retailer. The software integrates with all modern forms of payment and processing. It comes with inventory management, product analysis, employee reports, commission, CRM, and scalability. It's an all-in-one solution for general retail.

Read more about KORONA POS

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
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
Shopify logo
Category Leaders

Everything you need to sell anywhere. Trusted by 160k stores

Shopify is a commerce platform that allows anyone to easily sell online, at a retail location, and everywhere in between

Read more about Shopify

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
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
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

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): Reviewers appreciate the user-friendly interface, customizable features, quick transaction processing, and effective inventory and sales tracking. It supports diverse payment methods and training new staff is straightforward. 97% of reviewers rated this feature as important or highly important.
  • Inventory Management: Users value the ability to track real-time inventory levels, create detailed reports, and manage stock efficiently. The system supports integration with other platforms and is useful for both small and large inventories. 92% of reviewers rated this feature as important or highly important.
  • Retail Management: Reviewers highlight the importance of centralized control over operations, including inventory, pricing, and promotions. It aids in monitoring sales performance and making informed stocking decisions. 92% of reviewers rated this feature as important or highly important.
  • Payment Processing: Users find the variety of payment options convenient and appreciate fast, reliable transaction processing. Integration with other systems is often noted, and the feature is essential for daily operations. 91% of reviewers rated this feature as important or highly important.
  • Sales Reports: Reviewers commend the detailed, customizable sales reports that provide insights into sales trends, employee performance, and inventory management. These reports are crucial for making informed business decisions. 90% of reviewers rated this feature as important or highly important.
  • Barcode/Ticket Scanning: Users appreciate the efficiency of scanning for quick checkouts and accurate inventory management. The ability to create and print barcodes enhances the overall sales process and reduces errors. 84% of reviewers rated this feature as important or highly important.