In-Person and Retail POS

Card-present payments with terminals, readers, and tap-to-pay.

For shops, markets, and pop-ups, in-person processors combine competitive card-present rates with hardware, fast payouts, and tap-to-pay. Compare the options for taking payments at the counter or on the go.

15 processors

Helcim logo

Helcim

Verified

Transparent interchange-plus pricing with automatic volume discounts.

Interchange + 0.50% + $0.25

online rate

$0

monthly fee

Next day

payout

Growing SMBs
Transparent pricing
Omnichannel
Rated 4.5 out of 5 from 4 reviews.
Square logo

Square

Verified

All-in-one point of sale and payments for in-person businesses.

2.9% + $0.30

online rate

$0

monthly fee

Next day

payout

Retail
Restaurants
Small business
Rated 4.5 out of 5 from 4 reviews.

Subscription-style pricing that passes interchange straight through.

Interchange + $0.15

online rate

$99

monthly fee

Next day

payout

High volume
Predictable cost
Established businesses
Rated 4.5 out of 5 from 4 reviews.

Publishes its exact interchange-plus markup by industry rather than quoting it, and prices nonprofits lower still.

IC + 0.20% + $0.11

online rate

$20, $15 nonprofit

monthly fee

Varies

payout

Nonprofits
Small Business
Retail Storefronts
+1
SumUp logo
No reviews

Card readers and payments for over 4 million small businesses in 36 markets, with no monthly fees on the standard plan.

3.5% + $0.15 US, 2.5% UK

online rate

$0 standard

monthly fee

Next day

payout

Mobile and market sellers
Cafes and salons
Trades
+1
PayJunction logo
No reviews

US merchant services provider offering paperless card and ACH processing on month-to-month terms with no cancellation fee.

From 1.49% + $0.15

online rate

None above $10k volume

monthly fee

2-day

payout

Healthcare practices
Auto repair shops
Professional services
NMI logo
No reviews

White-label gateway sold through ISOs, software platforms and banks, never direct to merchants. One integration reaches more than 150 processor connections.

Set by your acquirer

online rate

About $10 to $25

monthly fee

Varies

payout

ISOs and agents
Software platforms
Omnichannel payments
+1
Fluid Pay logo
No reviews

A partner-only white-label payment gateway for ISOs, agents and software platforms that has never boarded a merchant directly.

No gateway markup

online rate

Not published

monthly fee

Varies

payout

ISOs and agents
Software platforms
White-label resellers
MYR POS logo
No reviews

Cloud iPad point of sale for quick-service restaurants. MYR runs the ordering and the terminal integration. A partner processor sets the card rates.

Set by your processor

online rate

$80 to $150 per month

monthly fee

Varies

payout

Quick-service restaurants
Coffee shops and bubble tea
Takeaway and drive-thru
+1
Worldpay logo
No reviews

Global enterprise acquirer processing 55 billion transactions a year across 174 countries, now owned by Global Payments.

Custom quote

online rate

Negotiated

monthly fee

Next day

payout

Enterprise acquiring
Multi-country retailers
Platforms and PayFacs
+1
PaymentCloud logo
No reviews

US merchant services provider that specializes in placing high-risk and hard-to-approve businesses with acquiring banks and gateways.

Custom quote

online rate

$5 to $25 reported

monthly fee

2-day

payout

High-risk merchants
CBD and hemp
Firearms
+1
Windcave logo
No reviews

New Zealand-based omnichannel processor and acquirer covering online, in-store and unattended payments in more than 40 countries.

Custom quote

online rate

Custom quote

monthly fee

Next day

payout

Omnichannel retail
Unattended payments
Enterprise
+1