Your small business needs more than a cash register to ring up sales and accept payments. You need a point-of-sale (POS) system that records sales data, manages inventory, generates reports and stores customer contact data. Whether you’re in the market for your first POS system or looking to upgrade to a new one, it’s challenging to decide which one will be the right fit for your business. As we evaluated more than 100 POS systems to find the best options for small businesses, we looked for affordable, cloud-based solutions that are easy to set up and use. Read on to find out why we chose our top picks and learn more about purchasing a POS system.
The best POS systems do more than just process sales and accept payments. They make it easier to run your entire business, with features that help you analyze sales data, track inventory, connect with customers and manage employees. They include or have integrations for email marketing, loyalty programs, and other capabilities that streamline processes and save you time. The best POS vendors provide reliable customer support that you can contact around the clock, so even if your business keeps irregular hours or you’re working late, you can receive help when you need it.
As you compare POS machines and software, look for systems that give you maximum flexibility, with month-to-month software subscriptions, a choice of payment processors and compatibility with third-party POS hardware that you can purchase upfront. This way, you’re not locked into a system or a lease for several years but can switch out whatever parts of the system you want, when you want – whether you are missing features, feel services aren’t meeting your expectations or find a better deal elsewhere.
Support of advanced ordering and checkout technology is another important attribute of modern POS systems. Because of the coronavirus pandemic, demand for contactless payments is surging. Customers want a way to safely and securely pay for food and merchandise through contactless payments, and many POS systems have been enhanced to support this need. Self-serve ordering is also a growing trend due to the pandemic. Many POS systems have built-in software to turn tablets and smartphones into portable ordering stations. This allows customers to order food and beverages while maintaining a safe distance from employees.
Small businesses don’t always remain small. Some need a credit card processor that can grow with them. Square stands out in that regard due to its low rates, a free e-commerce app, and point-of-sale (POS) software that expands to support your expanding business’s needs, making it our best pick for growing businesses.
One of the reasons Square stands out for growing small businesses is its low flat-rate pricing model. Square charges 2.6% plus 10 cents for in-person payments and 3.5% plus 15 cents for card-not-present transactions. The cost for purchases through your Square online store, Square online checkout, e-commerce API, or via an invoice is 2.9% and an additional 30 cents. There are no monthly, gateway, setup, PCI compliance, early termination or annual fees, nor is there a chargeback fee, which we like. Most processors have steep chargeback fees.
We were also impressed with Square’s credit card processing app. Not only can you process payments from nearly anywhere, but its POS software features help you track and manage inventory, collect and analyze customer data, and run reports on sales and inventory. The app works on both Apple and Android devices. It also integrates with several business applications, enabling you to combine your sales data with other accounting and management functions.
Square’s retail- and restaurant-specific features support your business as it grows. Its inventory-and order-management tools help you meet demand now and predict future orders, and its e-commerce store enables you to sell products online for free. A bonus, Square’s online stores can synchronize with your inventory and social media accounts.
Square’s POS software also has a lot of accounting features we like for growing businesses – the ability to track invoices, accept payments and manage sales from one dashboard will appeal to business owners that want a central location from which they can assess their business.
Square Capital is the company’s lending arm, and it provides small business owners with merchant cash advances, with funding as soon as 24 hours. You need to establish a processing history with Square to be eligible for the short-term loans, though, but these loans may be useful as your business expands.
Another aspect growing small businesses may like about Square is its Mastercard business debit card. Dubbed the Square Card, it makes it easy to access the cash from your transactions. There are no signup fees, annual fees, monthly fees, minimum balance fees or overdraft fees. Another perk: You get an instant discount of 2.75% when you use this card to shop with other Square sellers.
May 2021: Your business can now accept ACH payments on your Square Invoices. This provides a secure alternative way for businesses to accept payments with lower processing fees. With the service, when your business sends a Square Invoice, customers can click on the payment link, provide their bank details and complete the payment online.
Clover offers affordable POS software and exceptional POS hardware. Clover’s software pricing plans fit business owners’ varying budgets. Plans start at $9.95 a month, with a 30-day free trial to test it out. Clover’s POS supports online ordering and contactless payments. Clover allows you to use your own third-party hardware (if compatible), or you can purchase Clover’s hardware, sold through third-party affiliates, so you can find the lowest price for your POS hardware.
For a simple, yet inclusive POS system, the company offers a Clover Station package for $1,399, or $466 per month for three months; it includes a POS terminal, cash drawer and receipt printer. For a more robust hardware package, the Clover Station Pro costs $1,649, or $549 per month for three months, and includes a POS terminal, cash drawer, high-speed receipt printer, and customer-facing screen.
For those who want a more compact POS system, the Clover Mini is priced at $749, or $250 per month for three months, and those that need a handheld POS solution can purchase Clover Flex for $499, or $166 per month for three months.
If you have an iOS or Android device that you want to convert into a payment solution, the Clover GO card reader is only $69. Table-service establishments looking for a full-service restaurant POS option can look to Clover’s restaurant POS hardware with preloaded Clover Dining features. The cost is $69.95 per month, plus payment processing that costs 2.3% and an additional 10 cents for in-person transactions and 3.5% and 10 cents for manual transactions.
Clover offers several hardware peripherals, too, to complete your restaurant POS system. You can add barcode scanners, cash drawers, POS stands, printer paper, label printers, kitchen printers, weight scales, PIN shields, to name a few. Clover also states upfront which accessories are compatible with which hardware type (e.g., Station, Mini, Flex, GO), which helps you easily find the right hardware that’s compatible with your system.
Rounding out your Clover POS system, the company’s software provides users with several POS functions like inventory management (auto inventory syncing, ordering and delivery, stock levels), customer management (customer profiles, marketing preferences, build customer email lists), employee management, and integrations (BigCommerce, Ecwid, Quickbooks, Gusto).
Toast is an all-in-one POS and restaurant management platform. Its POS system has everything a restaurant owner needs, including front-of-house, back-of-house, and guest-facing technology. Toast helps busy restaurant owners manage their sales; you can process debit and credit card transactions, including contactless payments. The system also assists with marketing, labor management, online ordering and more. Toast’s partner network enables customer access to third-party apps. Toast serves establishments of all sizes, including fine and casual dining, fast casual, bars and nightclubs, cafes, bakeries, and multilocation restaurants.
One thing we especially like with Toast is the variety of online ordering plans that are available. Rather than only having one customer order-taking and delivery option, Toast users can choose from multiple plans depending on which features they need. If you want an all-in-one POS solution that supports online ordering and delivery, there are three plans to choose from: Starter ($69 per month, plus ordering and delivery add-on), Essentials ($99 per month), and Growth ($189 per month).
You also have the option to add a contactless payment solution for dine-in guests to place their order and pay using their phone. For digital ordering only, there are three plans to choose from, starting at $50 per month. Additional plans include Toast Now Plus ($75 per month) and Toast Now Premium ($150 per month). Having multiple order-taking and delivery options to choose from gives restaurant owners more flexibility in finding a solution that suits them.
Toast users can create customized POS solutions, mixing and matching a variety of hardware, like terminals, handheld devices and kitchen screen displays, starting at $799. Toast is compatible with some third-party hardware, although it charges a flat rate for in-house payment processing.
Toast is a hybrid POS solution – it is cloud-based software, but there is an offline mode. Plans can come with features to help you manage restaurant-specific functions like your inventory, tables, orders and menus. It also allows you to collect customer feedback and create several different types of reports and analytics about your restaurant. The software can also help restaurants fulfill order and delivery needs like contactless delivery and curbside pickup. Toast has an on-demand delivery driver fleet (a network of local delivery drivers for hire) and a takeout app as well.
If you want a POS system with customer-focused features, Toast may offer the POS solution you have in mind: It offers gift card capabilities, customer balance lookup, customer rewards and the ability to create automated marketing campaigns. Some plans come with employee management functions, like payroll and team management. Toast customer support is available by phone, email and webchat.
Lightspeed is a leading POS provider hailing from Montreal. It provides POS solutions for businesses in the retail, golf and restaurant industries. Business News Daily chose Lightspeed as the best retail POS system because it has an impressive set of features geared toward retailers, the ability to choose from several pricing plans, and advanced loyalty and inventory management tools. Recently, Lightspeed acquired ShopKeep, which allows retailers to sell their goods online.
Retail customers can choose from five tiered POS system plans, ranging in price from $69 per month to $229 per month. Lightspeed plans come with one free terminal, something that other POS companies do not provide. Additional registers cost $29 per month each, which is less expensive than the cost of competitors’ registers. Lightspeed customers also get a choice in terms of payment processors (with Vantiv and Cayan that are available), integrations, and the payment methods you can accept. The software is available risk-free via a 14-day free trial.
Since Lightspeed offers tiered POS plans, its POS features range from basic to advanced. You can see online and in-store inventory with Lightspeed’s e-commerce tools, and you can manage your products with inventory management functions. You can upload thousands of SKUs at once, view preloaded catalogs, create and set product bundles and variations, and set low-stock alerts for items in your inventory. Managing your employees is a breeze with Lightspeed’s timeclock functions, performance reporting capabilities and customized permissions. You can also use Lightspeed’s customer relationship management (CRM) features and customer loyalty tools to manage your clientele. Access features like customer profiles and rewards programs help make your customers feel appreciated.
Tracking inventory, customer trends, product sales and employee performance are easy to do with Lightspeed’s reporting capabilities. The software comes with more than 60 different built-in reports. You can also create customized home dashboards to have the critical information you need for your store right at your fingertips. If you have questions about Lightspeed software or hardware or encounter a problem, you can contact a representative by phone, email, or webchat. Lightspeed also offers online resources, including a blog, community forums and webinars.
April 2021: Lightspeed recently inked a deal to acquire Vend, a cloud-based retail management software company. The acquisition will allow Lightspeed to offer its POS customers access to expanded tools to help them manage their retail operations. These tools include the ability to manage and purchase inventory, create employee schedules, and track sales and finances. Both companies stated in a press release that they are well positioned to help small businesses succeed as they emerge from the pandemic.
TouchBistro is a Toronto-based POS system provider catering to restaurants across the globe. We chose TouchBistro as the best POS system for restaurants because of its suite of tools, robust inventory management features and affordable pricing that starts at $69 a month. This iPad-based POS provider supports tableside and self-serve ordering, has its own internal payment processing service, and integrates with several third-party applications.
TouchBistro is a mobile-friendly POS solution that runs on the iPad, iPad Mini, and iPad Pro and supports third-party POS hardware (e.g., barcode scanner, cash drawer, receipt printer, payment processing device), enabling business owners to keep the cost of add-ons down. Keep in mind, though, that just because TouchBistro works with third-party hardware, doesn’t mean it’s compatible with everything on the market – check TouchBistro’s website or contact a representative to verify that your third-party hardware is compatible.
Pricing for TouchBistro starts at $69 per month. It is also customizable, giving restaurant owners the ability to add on features like an online reservation system (starting at $229 per month), online ordering capabilities (starting at $50 per month), gift card functions (starting at $25 per month), and loyalty programs ($99 per month). The company offers a 28-day free trial, so you have the opportunity to test-drive TouchBistro before committing to it. Although TouchBistro has its own in-house payment processor (TouchBistro Payments), it is compatible with third-party payment processors (e.g., Worldpay, TSYS, Square, Moneris, Chase).
Since TouchBistro is a restaurant-specific POS solution, its features are designed to help restaurants operate more smoothly. For example, you can create custom restaurant floor plans that accurately reflect your establishment with drag-and-drop table management tools. As customers come and go, you can track inventory stock levels and table turnover, create customer accounts, and manage balances. In addition to standard stationary ordering, you can take orders tableside and online. Instead of relying on a whiteboard in the kitchen to relay information to cooks and servers about out-of-stock items, you can edit food items in the software to relay which items you’re out of. Businesses can also manage their staff by assigning staff roles, tracking attendance and performance, and maintaining employee profiles. There are more than 50 different reports you can run, and customer support is available 24/7.
Epos Now is a POS provider headquartered in the U.K., but it serves customers across the globe. It counts Walt Disney Pictures, Universal Studios, and Yankee Candle among its customers. We chose Epos Now as the best POS system for ease of use because it offers a bevy of features, customization and one-on-one onboarding. Epos Now is great for a variety of retail and hospitality businesses, and it offers multiple POS hardware options to meet each business’s unique needs.
For example, Epos Now supports both Apple and Android devices, it has touchscreen POS systems, and then there is the Epos Pocket (a handheld POS option), receipt printers, and cash drawers you can purchase to create a complete POS system for your business. It also offers third-party products, giving customers a lot of options. Epos Now has more than 100 third-party integrations, which give its users more flexibility and capabilities with their POS system.
Epos Now is easy to use, and it claims business owner can train their employees on how to use it within 15 minutes. This is especially great for businesses that frequently hire new employees. If you have questions about Epos Now, you can contact customer support by phone, email or webchat. The company also provides one-on-one training.
If you want to purchase Epos Now hardware, you can choose from multiple hardware packages. There is a traditional POS package for $999 or $72 per month (currently on sale for less), which includes a touchscreen terminal, a cash drawer, a printer, and Epos software. If you use a tablet or iPad in your establishment, it offers packages for $599 that include an iPad or tablet stand, a cash drawer, a printer, and the first month of Epos Now software. Those who want a mobile POS option can purchase the Epos Pocket Plan One, which comes with a handheld ePos device, customer support and ePos’ device protection care plan, ProtectNow. Plan One costs zero dollars upfront and $44 per month. Plan Two includes a handheld device and customer support (device protection is not included). It costs $189 upfront and $24 per month. Epos Now offers a 30-day free trial.
Regardless of which hardware you select, the Epos Now software provides access to a variety of features such as inventory management, customer management, and employee management functions and real-time reports. If you have a customer loyalty program, you can include that with your ePos Now system.
Upserve, by Lightspeed, is a restaurant POS system that caters to a variety of food and beverage establishments, like coffee shops, cafes, delis, bakeries, breweries, wineries, bars and nightclubs, pizza shops, quick service establishments, and fine dining restaurants.
There are three different subscription-based POS software plans: Core for $59, Pro for $199, and Pro Plus for $359. Refer to our review for the features Upserve includes in these plans. You’re required to purchase at least one Upserve POS terminal with your plan, which can range from $40 to $60 per terminal. Additionally, you’re required to use Upserve’s payment processing solution, which charges a flat rate.
The Upserve POS software offers several inventory management features that help ensure your restaurant is always adequately stocked. For example, the system has automated inventory management, vendor management, one-click purchasing and low-inventory alerts. You can also use features like menu optimization and recipe costing to improve sales and profits.
Upserve knows that every business is different, so they offer customization options, like commission-free online ordering, gift card features and customer reporting. To help business owners manage their restaurants on the go, Upserve offers a mobile app for iOS and Android devices. You can access important information about your restaurant, such as your labor costs, sales, guest behavior, discounts and out-of-stock items.
You can also manage your staff with Upserve. You can create schedules, which are shared with all of your workers.
Upserve has customer-centric features that help regular patrons feel valued. You can create a loyalty program for customers ‒ and track customer rewards ‒ and offer and accept gift cards.
If you have any questions about Upserve or are experiencing an issue, the company has 24/7 U.S.-based customer support. Upserve claims to answer 84% of customer calls within 30 seconds or less. And if your Wi-Fi goes down, Upserve’s offline mode keeps your business running until your Wi-Fi connection is restored. Upserve is accredited with the Better Business Bureau and received an A+ rating with the agency.
Lavu is an iPad-based point-of-sale system for restaurants of every kind and size. It can support, for example, coffee shops, pizza joints, food trucks, wineries, breweries, bars, restaurants, and ice cream shops. Lavu’s POS terminal plans start at $69; multilocation businesses will need to contact Lavu to receive a custom price quote.
Lavu’s mobile hardware is iPad-centric, and it offers an online shop from which restaurants can select a plethora of POS hardware and accessories, including terminals, kitchen display systems, cash drawers, card readers, printers, and networking devices.
One great thing about Lavu is its integration capabilities. It supports third-party credit card gateway and processing partners, including BridgePay, Heartland, PayPal, Square, and Moneris, or you can process customer payments through LavuPay, its in-house payment solution. This gives users even more flexibility to find the right POS choice.
Although Lavu has more than 300 POS features, it gives businesses further flexibility with its integration capabilities. Lavu has several in-house integrations that you can easily add to your POS plan. This makes it easy to customize a POS solution to suit your business. Since these integrations are in-house, they are virtually seamless. However, if you want to integrate your POS solution with third-party applications, Lavu may support those as well. It currently integrates nearly 30 other third-party apps, and nearly 60 other third-party integrations are coming soon. Lavu offers free software updates and 24/7 customer support by phone, email, and webchat.
Lavu software includes hundreds of features to help you run your business. Inventory management features like menu/inventory linking and inventory tracking allow you to maintain adequate stock levels of products and ingredients. Since Lavu is a mobile solution, you can also use it for tableside ordering. Businesses can manage employees and customers through other features like employee scheduling capabilities and customer loyalty features. To keep you updated on the performance of your restaurant, you can access real-time reporting and analytics on data like sales, inventory stock, labor expenses, customer orders, and bills generated.
Revel Systems is a cloud-based iPad POS system for retailers, restaurants, and quick-service businesses. The cost of Revel software varies among different plans, but it starts at $99 per month per terminal billed annually. Revel Advantage charges a flat processing fee per transaction, and it accepts all card types. Businesses can use some third-party payment processors, including First Data, Heartland, TSYS, Worldpay, Chase Paymentech and Elavon, but your pricing will vary.
Although Revel has many great POS functions, its customer loyalty program capabilities are outstanding. With Revel, you can design unique settings for how customers earn loyalty points and rewards. You can track all customer data from one device and gain valuable customer insights. Revel offers an in-house loyalty rewards program that can be easily integrated into your POS system. If you use a third-party loyalty program (e.g., Punchh, Como, LoyaltyPlant, Spendgo, Pepper, LevelUp, and Repeat Returns), you can easily integrate those into Revel as well. Having options to use an in-house or third-party loyalty program allows small businesses great flexibility to create a loyalty program that best matches their customers’ needs.
Revel software plans require users to purchase at least two terminals; the company offers a variety of hardware (e.g., iPads, iPad stands, cash drawers, kiosks, payment devices, printers, barcode scanners, and networking devices) to create a customized POS setup. Revel hardware packages come preconfigured and are ready to use, although it is also possible to connect Revel with some third-party hardware. Businesses can add on supplemental services and products to further customize their POS solution (e.g., implementation onboarding, account management, delivery management, online ordering and multilocation management). Implementation onboarding costs start at $674, or you can access Revel’s in-house support team for additional support.
Revel POS software has several additional features to help you run your business. For example, you can access inventory management and administrative features, like tracking products across all locations and managing labor operations from a single device.
Heartland Payment Systems is a full-service payment platform that offers a variety of business solutions like payroll, payment processing, billing, customer engagement, capital lending, and POS systems. Their POS system offering provides specific solutions for bars, restaurants, retailers, home services, service professionals and quick-service establishments. Heartland POS is a hybrid software, meaning it is cloud-based, but it can also work offline. This adds an extra layer of convenience for businesses.
Heartland is great for those businesses that want flexibility in their POS system. Its hardware is Apple-based, but it also supports third-party hardware. It offers a secure payment processing system that accepts and stores all payment types, but you can use a third-party credit card processor if you prefer. These added capabilities are not found with every POS provider, but they are extremely useful for those wanting a customized solution.
If you need assistance setting up your Heartland software with third-party hardware or payment processor, Heartland customer support will assist you. Heartland support can also aid you in navigating the software. Representatives are available by phone, a ticketing system and webchat, so you can reach out to them the best way that works for you. Heartland responds to customers almost instantly, and it provides several phone numbers based on your needs. Having exceptional customer support can make a big difference when setting up or implementing a piece of technology integral to the success of your business.
Heartland’s POS software gives you access to inventory features like real-time inventory stock levels, online ordering, sales and margin reports, and automated inventory alerts. It can support multiple business locations as well. You can use the guest engagement application for customer management capabilities like customer rewards, coupons, discounts, gift and loyalty features, and skip-the-line ordering. You can manage clients by tracking their important information and track employee hours with the system’s timeclock functions.
Heartland doesn’t list its software pricing online, but its representatives are easy to work with, so you can find a solution that matches your needs and budget. It also offers a seven-day free trial for users to test it out risk free.
CardConnect is not necessarily a point-of-sale system, but instead, it offers a collection of merchant services for businesses of any size. CardConnect is a leading credit card payment processor for independent software vendor partner merchant accounts, agents, independent sales organizations and value-added resellers. Its collection of business solutions includes CardPointe (for businesses), Clover (for small shops), Gateway and Plugins (for e-commerce), Bolt (for software), CoPilot (for partners), and contactless payments (for software). One great feature about CardConnect is its security. It offers simple yet secure solutions and PCI-validated security defenses.
CardConnect is a payment provider that offers implementation and integration of systems from third-party independent software vendors (ISVs). CardConnect itself does not have its own software; rather, it specializes in implementing third-party POS systems for small businesses, helping companies make the most of their solutions. In this way, CardConnect is part of a partner community that includes a network of POS software vendors – CardConnect helps software vendors market and sell their products, and they help entrepreneurs implement and use those systems.
Small businesses looking for POS software through CardConnect can weigh two different POS solutions: CardPointe and Clover. The two platforms are similar, but one will suit you better based on your POS needs. CardPointe is a web-based POS system with features like transaction management. Users can access countertop and virtual terminals, giving them the flexibility to process payments the way they want to. CardPointe has free mobile apps, hosted payment pages and integrations (like Bolt). You can also add on functionalities like shopping carts.
Clover, the second option, is an affordable POS system; its software costs $9.95 per month. The software supports various POS features like inventory management, employee management, customer management, reporting and analytics, and application integrations. If you need to purchase specific hardware, Clover offers various proprietary hardware options that easily integrate with the software.
If you want to accept payments online, you may want to consider CardPointe Gateway, and if security is a top priority, consider Bolt. Regardless of which CardConnect solution you want, the company focuses on providing secure payment processing. If you have questions about one of CardConnect’s products, you can contact a 24/7 support team and online resources.
When evaluating and comparing POS systems, price, especially for budget-conscious small business owners, is a big factor, if not the deciding factor as to which vendor you chose. Make sure, though, to compare all of the elements – POS hardware, POS software and payment processing – when shopping for a POS system.
There’s a lot of variation in pricing for cloud-based POS software. Some POS providers – Square and PayPal – offer free software as long as you use their credit card processing services, and others charge hundreds of dollars per month.
Most POS providers give you several service tiers to choose from, with basic, standard and premium tiers that vary in features or the number of users they support. For quality, full-featured POS software that gives you a choice of payment processor and doesn’t require a long-term contract, monthly costs for the starting tiers range from $40 to $100 for one register.
Because each POS company offers different features with each tier, it can be tricky to compare systems, since you first need to decide which tier you need for each system. There may be times when a basic tier for one system includes the features you need, but you may need the premium tier of another system to get that specific feature.
With POS hardware, you want to find out if, first, the system works with third-party hardware or if it’s proprietary. The advantage of working with POS providers that support third-party hardware is that if you later switch POS software providers, you may still continue using your hardware – saving yourself thousands of dollars purchasing a new system.
The second thing you want to find out is if the system is scalable. You may want to start out with a few basic pieces and add peripherals or additional registers as your business grows. For example, if your business is new or very small, you may only need a tablet (or even your phone) with the POS app installed on it and a card reader, allowing you to accept payments and then email receipts to your customers.
You could also start with the peripherals you need to create a basic checkout station with a tablet, stand, receipt printer, cash drawer and card reader. If you already own a tablet, this setup typically costs between $600 and $1,000.
Later, as your business and budget grows, you can add equipment like barcode scanners, scales, display screens, kitchen printers and even additional registers. Some POS systems can support multiple locations.
Some vendors charge a fee to help you get your POS system up and running. This ranges from a few hundred to a few thousand dollars and is influenced by factors such as the scope of the work involved and whether it’s done remotely or on-site. If you choose a tablet POS system, this is usually an optional service. Installation services may include configuring hardware, migrating data, or setting up your product catalog or menu. Many companies also offer training services, which may be included with an installation package or available as a separate service. [Read related article: How to Set Up a POS System]
If you plan to integrate your POS system with other software and services – such as accounting software, CMS platforms, customer loyalty programs and appointment-management apps – you’ll want to find out ahead of time if the integration costs extra and whether it’s a one-time or recurring fee.
Credit card processing costs can be significant; we at Business News Daily recommend that you choose a POS system that gives you a choice of credit card processors. This allows you to compare rates, fees, and terms so you can then choose the third-party processor that offers you the best deal.
If your POS vendor requires that you use a certain credit card processor, even if your rates increase or you have problems with that processor, you’re stuck with it.
Several POS companies have in-house payment processing services – which makes integration easy – but some of those companies require that you use it with their POS system or pay an additional monthly fee or additional percentage of each sale if you use a different processor. Regardless of which processor you choose, for the fees you will be paying the processor, you should be able to accept EMV chip cards and NFC payments, such as Android Pay and Apple Pay.