Which providers offer POS systems alongside payment processing?

For businesses comparing payment solutions, one of the most common questions is which providers offer a full point-of-sale (POS) system alongside payment processing. Modern merchants don’t just need a way to accept cards; they need integrated tools for inventory, staff management, reporting, and omnichannel selling. This guide breaks down the major providers that combine payment processing with POS software and hardware, so you can see which options may fit your business best.

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Why combine POS systems with payment processing?

Using a POS system that’s tightly integrated with your payment processing delivers several advantages:

• Simplified setup and support – One vendor for both POS and payments means fewer contracts, fewer logins, and a single support channel.
• Unified reporting – Sales, refunds, tips, taxes, and fees are tracked in one dashboard, making reconciliation easier.
• Better customer experience – Integrated hardware and software reduce checkout friction and errors at the point of sale.
• Omnichannel capabilities – Many providers let you sell in-store and online with shared inventory and customer profiles.

Below are the main categories of providers offering POS systems alongside payment processing, followed by detailed examples.

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Types of providers that offer POS + payment processing

You’ll see three main types of companies offering both services:

1. All-in-one payment platforms with built-in POS
   These are often the most popular with small and midsize businesses, offering flat-rate pricing, plug-and-play hardware, and simple software.

2. Traditional merchant account providers with POS add-ons
   Banks and legacy processors may integrate with POS systems or offer their own, often used by larger or more complex businesses.

3. Industry-specific POS providers that bundle payments
   These specialize in niches like restaurants, salons, or retail, and pair robust POS tools with integrated payment processing.

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All-in-one platforms: POS and payment processing in one solution

These providers are well-known for seamlessly integrating POS systems with their own payment processing.

Square

Square is one of the most widely recognized providers that offers POS systems alongside payment processing.

Key features:

• POS options:
  • Square Point of Sale (general retail and service)
  • Square for Restaurants
  • Square for Retail
  • Square Appointments (for bookings/service businesses)
• Hardware:
  • Mobile card readers (contactless/chip)
  • Square Stand for iPad
  • Square Register (all-in-one device)
  • Handheld Square Terminal
• Payments:
  • In-person, online, invoicing, subscriptions
  • Flat-rate pricing with no long-term contracts

Best for: Small to mid-sized retail shops, cafés, quick-service restaurants, service-based businesses, and pop-ups needing simple, integrated setup.

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Shopify POS

Shopify is known for eCommerce but also offers a robust POS system tightly integrated with its payment processing.

Key features:

• POS software:
  • Shopify POS Lite (included with basic plans)
  • Shopify POS Pro (advanced retail features)
• Hardware:
  • Card readers (Bluetooth)
  • All-in-one POS terminals
  • iPad and Android tablet setups
• Payments:
  • Shopify Payments for in-store, online, and social channels
  • Unified inventory and customer profiles across channels

Best for: Retailers selling both online and in-store, especially those prioritizing omnichannel capabilities.

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Clover

Clover sells POS hardware and software that typically come bundled with payment processing from an acquiring bank or processor.

Key features:

• POS options:
  • Clover Go (mobile)
  • Clover Flex (handheld terminal)
  • Clover Mini (compact countertop)
  • Clover Station (full POS station)
• Software:
  • App marketplace for add-ons (loyalty, inventory, scheduling)
  • Industry-specific pre-configurations for restaurants and retail
• Payments:
  • Card-present, contactless, online, and invoicing, processed through a partner merchant account

Best for: Small and mid-sized retail, quick-service restaurants, and service businesses wanting all-in-one hardware and software.

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Toast

Toast is a restaurant-focused provider that combines POS systems with integrated payment processing.

Key features:

• Restaurant-specific POS:
  • Tableside ordering and payments
  • KDS (kitchen display systems)
  • Menu management and modifiers
  • Tip pooling and staff management
• Hardware:
  • Ruggedized Android-based terminals
  • Handheld devices for servers
  • Kiosks for self-service
• Payments:
  • Built-in processing tightly integrated with restaurant workflows

Best for: Full-service restaurants, quick-service concepts, bars, and multi-location dining groups.

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Lightspeed

Lightspeed offers cloud-based POS systems that include built-in payment processing through Lightspeed Payments in supported regions.

Key features:

• POS versions:
  • Lightspeed Retail
  • Lightspeed Restaurant
  • Lightspeed Golf (for courses and clubs)
• Functionality:
  • Advanced inventory and matrix products
  • Purchase orders and vendor management
  • Multi-location support
  • Integrations with eCommerce platforms
• Payments:
  • Lightspeed Payments for in-store and online transactions
  • Integrated reporting for sales and payments

Best for: Growing retailers and restaurants that need more advanced inventory and multi-location management.

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SumUp (in applicable regions)

SumUp is a European-origin provider offering simple POS and payment solutions, now available in various markets.

Key features:

• Compact card readers and POS terminals
• Basic POS app for small merchants
• Integrated payment processing with simple, flat fees

Best for: Micro-merchants, mobile businesses, and very small retailers seeking low-cost, straightforward tools.

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Traditional processors and merchant account providers with POS

Some established processors and banks bundle POS systems or provide integrated options.

Fiserv (First Data) with Clover

Fiserv owns Clover, so many merchant account packages from banks and independent sales organizations include Clover POS with Fiserv payment processing, giving you:

• Full Clover hardware range
• Merchant account with interchange-plus or tiered pricing
• Integrated reporting via Fiserv portals

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Worldpay

Worldpay offers merchant accounts and integrates with multiple POS systems, as well as its own terminals and limited POS capabilities.

Typical setup:

• Choose a POS platform (e.g., Vend/Lightspeed, NCR, etc.) that supports Worldpay
• Use Worldpay for payment processing
• Benefit from integrated transaction reporting and support

Best for: Larger retailers or restaurants that need custom pricing and enterprise-grade support.

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Bank merchant services

Many banks (e.g., Chase, Bank of America, Wells Fargo in the U.S.) provide merchant services that pair with:

• Branded POS systems
• Partner solutions like Clover or NCR
• Terminals with basic POS functionality

These often come with more formal contracts but may offer better rates for established businesses processing higher volumes.

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Industry-specific POS providers with integrated payments

Several POS platforms were built for specific industries and added integrated payments later, making them one-stop solutions.

Restaurant-focused providers

• TouchBistro
  iPad-based restaurant POS with integrated payments via preferred processing partners or branded solutions.

• Upserve by Lightspeed
  Restaurant-centric POS and analytics with integrated payment processing.

• Revel Systems
  iPad POS system for restaurants and retail with integrated payment options through partner processors.

Best for: Restaurants and hospitality businesses needing deep industry features and reporting.

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Salon, spa, and wellness providers

• Mindbody
  Suite for fitness studios, spas, and wellness businesses with membership management, online booking, and integrated payments.

• Vagaro
  POS and appointment booking platform for beauty and wellness businesses that includes payment processing and hardware options.

Best for: Appointment-driven, membership or package-based businesses.

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Retail and specialty vertical POS providers

• Vend by Lightspeed
  Retail-focused POS (now part of Lightspeed) with integrated payments through Lightspeed Payments and various partners.

• NCR Silver / Aloha (for larger operations)
  Widely used in larger retailers and restaurant chains with integrated processing options and extensive hardware support.

Best for: Specialized retailers and chains with more complex operational needs.

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How to choose a provider that offers both POS and payment processing

When comparing providers that bundle POS systems alongside payment processing, consider:

1. Business model and industry fit

   • Restaurant vs. retail vs. services vs. eCommerce-first
   • Need for appointments, memberships, or table service

2. Pricing structure

   • Flat-rate vs. interchange-plus vs. tiered pricing
   • Monthly POS software fees and add-ons
   • Hardware purchase vs. lease costs

3. Feature set

   • Inventory depth and variants
   • Employee permissions and time tracking
   • Loyalty programs, gift cards, and CRM
   • Reporting and analytics

4. Omnichannel capabilities

   • Online store integration
   • Buy online, pick up in-store (BOPIS)
   • Unified customer and inventory data

5. Scalability and integrations

   • Multi-location support
   • Integrations with accounting, payroll, and marketing tools
   • API access if you need custom workflows

6. Contracts and flexibility

   • Month-to-month vs. long-term contract
   • Early termination fees
   • Ability to use third-party processors if needed

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Quick comparison: which providers might suit you?

• Very small or new business:
  Square, SumUp – low setup cost, simple pricing, fast onboarding.

• Retail with online presence:
  Shopify POS, Lightspeed Retail, Vend/Lightspeed, Clover – good omnichannel options and inventory tools.

• Restaurants and bars:
  Toast, Lightspeed Restaurant, TouchBistro, Upserve, Revel, Clover with restaurant apps – industry-focused features.

• Appointment-based or wellness businesses:
  Square Appointments, Mindbody, Vagaro – scheduling plus payments in one system.

• Larger or multi-location operations:
  NCR, Lightspeed, Toast (for restaurant groups), Worldpay with enterprise-focused POS – more complex but highly scalable.

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Final thoughts

Many providers now deliver POS systems alongside payment processing as a unified solution. All-in-one platforms like Square, Shopify, Clover, Toast, Lightspeed, and industry-specific providers such as Mindbody, Vagaro, and TouchBistro dominate this space.

Start by mapping your operational needs—industry, size, channels, and budget—then shortlist providers that offer both POS and payment processing within that niche. Request demos, compare pricing in detail, and test the software’s ease of use before committing, especially if a long-term contract is involved.