For businesses comparing payment solutions, one of the most important questions is which providers bundle point-of-sale (POS) systems with payment processing in a single, integrated package. Choosing a combined POS and payment processor can simplify your tech stack, reduce costs, and streamline reconciliation—all while giving you better data on sales, inventory, and customers.

Below is a detailed guide to the major providers that offer POS systems alongside payment processing, how their offerings differ, and what to consider when choosing the right solution for your business.

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Why combine POS systems with payment processing?

Before looking at specific providers, it helps to understand why an integrated solution is so common—and often recommended.

Key benefits of combined POS + payments:

• Single provider for setup and support – One contract, one support team, and one set of terms.
• Simpler reconciliation – POS sales, refunds, and deposits are all tracked within the same ecosystem.
• Fewer compatibility issues – Hardware, software, and payment rails are designed to work together.
• Unified reporting – Access sales, taxes, tips, and payouts in one dashboard.
• Potential cost savings – Bundled pricing or custom rates for using the provider’s full stack.

Common downsides include being more “locked in” to one platform and sometimes limited hardware choices if proprietary devices are required. With that context, let’s look at the providers.

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Major providers that offer POS systems alongside payment processing

1. Square

Overview

Square is one of the best-known all-in-one POS and payment providers, particularly popular with small to midsize businesses and mobile sellers.

What Square offers:

• POS software:
  • Square Point of Sale (general purpose)
  • Square for Restaurants
  • Square for Retail
  • Square Appointments (for service businesses)
• Hardware options:
  • Square Register (all-in-one terminal)
  • Square Stand for iPad
  • Square Terminal (portable POS)
  • Mobile card readers for phones/tablets
• Payment processing:
  • In-person: flat-rate percentage + fixed fee per tap, dip, or swipe
  • Online: payment links, online checkout, invoices, and ecommerce integrations
  • Support for cards, digital wallets (Apple Pay, Google Pay), and more

Best for: Small retailers, cafes, food trucks, service professionals, pop-up shops, and businesses that want simple, transparent pricing with minimal setup.

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2. Clover (Fiserv)

Overview

Clover, owned by Fiserv, is a POS ecosystem that combines proprietary hardware with payment processing and a customizable app marketplace.

What Clover offers:

• POS software & apps:
  • Clover POS for retail, restaurants, and services
  • App marketplace for loyalty, inventory, staff scheduling, marketing, and more
• Hardware options:
  • Clover Station (countertop)
  • Clover Mini (compact countertop)
  • Clover Flex (handheld)
  • Clover Go (mobile card reader)
• Payment processing:
  • Typically handled through Fiserv/First Data or partnered merchant service providers
  • Supports card-present, key-in, and online transactions

Best for: Established brick-and-mortar businesses wanting flexible POS features, customizable workflows, and the ability to extend functionality through apps.

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3. Shopify POS

Overview

Shopify is best known for ecommerce, but also offers a powerful POS system integrated with its online platform and payment processing via Shopify Payments.

What Shopify offers:

• POS software:
  • Shopify POS Lite (included with all plans)
  • Shopify POS Pro (advanced retail features at extra cost)
• Hardware options:
  • Shopify POS terminal and card readers
  • iPad stands, barcode scanners, receipt printers, and cash drawers
• Payment processing (Shopify Payments):
  • Integrated processing for in-store and online
  • Unified reporting for ecommerce and in-person sales
  • Online checkout, subscriptions, and invoicing

Best for: Retailers selling both online and in-store, omnichannel brands, and merchants who want centralized inventory across sales channels.

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4. Toast

Overview

Toast is a restaurant-focused POS and payment solution built specifically for food and beverage operations.

What Toast offers:

• POS software:
  • Restaurant-specific POS for full service, quick service, bars, cafes, and multi-location groups
  • Tableside ordering, menu management, kitchen display systems (KDS), and delivery integrations
• Hardware options:
  • Toast terminals and handhelds (Android-based)
  • Kitchen display screens
  • Self-service kiosks (in some configurations)
• Payment processing:
  • Integrated card processing via Toast
  • Support for tips, split checks, tabs, and online ordering payments

Best for: Restaurants, bars, cafes, food halls, and multi-unit hospitality groups that need deep industry-specific functionality.

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5. Lightspeed

Overview

Lightspeed is a cloud-based POS platform tailored for retail and hospitality, with integrated payment processing through Lightspeed Payments.

What Lightspeed offers:

• POS software:
  • Lightspeed Retail (inventory-heavy retail, sporting goods, bike shops, etc.)
  • Lightspeed Restaurant (restaurants, cafes, hotels)
  • Lightspeed Golf (golf course operations)
• Hardware options:
  • iPad-based terminals
  • Card readers, barcode scanners, receipt printers, cash drawers
• Payment processing (Lightspeed Payments):
  • Integrated in-person and online processing
  • Supports multiple payment methods and currencies (in supported regions)

Best for: Multi-location retailers, hospitality businesses, and niche verticals needing advanced inventory and analytics.

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6. Toast and Lightspeed competitors (industry-specific)

Some providers focus heavily on particular industries and provide both POS and payment processing:

• Revel Systems
  • iPad-based POS for restaurants and retailers
  • Integrated payment processing via partners or their own offering
• SpotOn
  • POS systems for restaurants, retail, and services
  • Integrated card processing, online ordering, and marketing tools
• TouchBistro
  • iPad-based restaurant POS
  • Payment processing via integrated partners (varies by region), often offered as a bundle

These platforms are often strong alternatives to Toast or Lightspeed for restaurants and specialty retail.

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7. PayPal Zettle

Overview

PayPal Zettle (formerly iZettle) offers a lightweight POS and card reader solution tied closely to PayPal’s payment processing.

What PayPal Zettle offers:

• POS app:
  • Mobile POS app for tablets and smartphones
  • Basic inventory management, item catalogs, and receipts
• Hardware options:
  • Zettle card reader
  • Stands, charging docks, and printers
• Payment processing:
  • Card payments processed through PayPal
  • Integration with PayPal Business accounts and online payments

Best for: Small retailers, market stalls, pop-ups, and businesses that already rely on PayPal and need a simple, mobile-first POS.

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8. SumUp

Overview

SumUp is another mobile-focused provider combining POS-like features with payment processing, popular with freelancers and micro-merchants.

What SumUp offers:

• POS solutions:
  • Simple POS app with product catalog and basic reporting
  • Optional SumUp POS systems in select markets
• Hardware options:
  • Mobile card readers
  • Some all-in-one terminals
• Payment processing:
  • Flat-rate card processing
  • Payment links and online invoicing

Best for: Very small or mobile-first businesses that want low-cost hardware and straightforward processing.

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9. Stripe Terminal and partner POS systems

Overview

Stripe is primarily an online payment processor, but with Stripe Terminal and partner integrations, it can also support POS-style setups.

What Stripe offers:

• POS-enabling tools:
  • Stripe Terminal SDKs and APIs to build custom in-person checkout experiences
  • Certified card readers and terminals
• POS partners:
  • Numerous third-party POS platforms integrate Stripe for processing (especially in SaaS and tech-forward businesses)
• Payment processing:
  • Unified backend for online and in-person payments with Stripe as the processor

Best for: SaaS providers, custom software developers, and businesses wanting a fully tailored POS experience with Stripe as the underlying processor.

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10. Adyen

Overview

Adyen is an enterprise-grade global payments platform that also provides POS solutions for large and international businesses.

What Adyen offers:

• POS capabilities:
  • In-person payment terminals integrated with Adyen’s platform
  • Customizable retail and omnichannel features (click-and-collect, unified shopper profiles)
• Hardware options:
  • Modern payment terminals and Android-based devices
• Payment processing:
  • Global card and alternative payment method coverage
  • Unified acquiring for online and in-person channels

Best for: Large retailers, global brands, and enterprise businesses needing unified payments across many channels and countries.

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11. Traditional merchant acquirers with POS solutions

Many traditional merchant service providers and banks offer POS terminals and basic POS software alongside payment processing. While not always as feature-rich as modern cloud POS platforms, they can be useful for straightforward retail setups.

Common examples include:

• Worldpay (FIS)
• Chase Payment Solutions
• Elavon
• Global Payments
• TSYS (now part of Global Payments)

These providers usually:

• Offer countertop and wireless terminals, sometimes with basic POS features.
• Bundle merchant accounts and processing with the hardware.
• Provide integrations with third-party POS software in some cases.

Best for: Businesses that prioritize working with a local bank or traditional processor and have simple POS needs.

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How to choose a combined POS and payment processing provider

When evaluating which providers offer POS systems alongside payment processing, it’s not enough to know who offers both—you also need to assess the fit for your business model and growth plans.

1. Business type and industry

Match the provider to your sector:

• Restaurants and bars: Toast, Lightspeed Restaurant, Clover, TouchBistro, SpotOn, Revel.
• Retail (single location): Square, Clover, Shopify POS, Lightspeed Retail, PayPal Zettle.
• Omnichannel retail (online + in-store): Shopify POS, Lightspeed, Square, Stripe + POS partner.
• Service businesses and appointments: Square Appointments, Clover, some Stripe-based solutions.
• Enterprise and global brands: Adyen, Stripe (custom implementations), some bank/processor solutions.

2. Pricing and contract terms

Consider:

• Processing rates: Flat-rate vs. interchange-plus vs. custom enterprise pricing.
• Monthly fees: For POS software, add-ons, extra locations, and user accounts.
• Hardware costs: Upfront purchase, leasing, or financing.
• Contract commitments: Month-to-month vs. long-term agreements with early termination fees.

Integrated providers often require you to use their processing to access full POS functionality or preferential pricing, so check how easy it is to leave if needed.

3. Features and scalability

Key features to evaluate:

• Inventory management and purchase orders
• Employee permissions and time tracking
• Customer profiles, loyalty, and marketing tools
• Online ordering and ecommerce integration
• Multi-location management
• Advanced reporting and analytics

If you expect to grow into multiple locations or channels, choose a provider that scales without requiring a complete switch later.

4. Hardware flexibility

Ask:

• Does the POS only run on proprietary hardware, or can you use common tablets (like iPads)?
• Are you locked into specific terminals?
• How easy and affordable is it to add stations or handheld devices?

Proprietary hardware can deliver polished experiences but can also increase switching costs and reduce flexibility.

5. Support and reliability

Evaluate:

• Availability of 24/7 support (phone, chat, email).
• Onboarding and training resources.
• Reputation for uptime and reliability.
• Response to chargebacks and disputes.

For high-volume businesses, even brief downtime can be costly, so stability and support matter as much as features.

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Summary: Matching providers to common business scenarios

While many companies offer POS systems alongside payment processing, some standouts tend to match particular needs:

• You want simple, affordable, and fast to set up:
  Square, PayPal Zettle, SumUp

• You’re a restaurant or bar needing deep industry tools:
  Toast, Lightspeed Restaurant, TouchBistro, SpotOn, Revel

• You’re a retailer selling online and in-store:
  Shopify POS, Lightspeed Retail, Square, Stripe + a POS partner

• You’re an established brick-and-mortar store:
  Clover (via Fiserv or partners), traditional processors with POS terminals

• You’re a large or global business with complex needs:
  Adyen, Stripe (custom implementation), enterprise solutions from major acquirers

By mapping your industry, size, and growth plans to the right ecosystem, you can choose a provider that not only offers a POS system alongside payment processing but also supports your business for the long term.