POS terminals payment providers

POS (point of sale) covers card-present payments in physical locations: countertop and portable terminals, mPOS readers paired with a phone, SoftPOS apps that turn an Android phone into a contactless terminal, and integrated POS systems for retail and restaurants. Behind every terminal there is an acquirer that settles the merchant, and often a separate provider for hardware and software.

Who looks for POS providers

Retail, hospitality and services opening new locations or replacing a processor.
Omnichannel brands that want one acquirer for online and in-store, with unified reporting.
PSPs and ISOs adding card-present products to their offer.
Delivery and field businesses that take payments on the go.

Costs to compare

Card processing rates — card-present pricing is usually lower than online, with interchange-plus or blended options.
Hardware: purchase, rental or free with volume commitments; SoftPOS avoids hardware but has per-transaction limits for PIN in some markets.
Monthly fees, PCI compliance fees, early termination clauses.
Settlement time and whether next-day funding is available.

Local specifics

Terminal certification and preferred schemes differ by country. In Turkey virtual and physical POS are issued by banks; in Brazil instalments at the terminal and PIX by QR are expected; in the US EMV chip, contactless and wallets are standard. QR payments at the counter are covered on the QR page.

Checklist

Supported cards, wallets (Apple Pay, Google Pay) and local schemes.
Integration with your till or ERP, offline mode, tipping, receipts.
Chargeback handling for card-present disputes.

{count} companies on this page work with POS. Related hubs: card acquiring, acquiring banks. See offers or post a request.