How much does a POS cost per month?

POS system monthly costs range from $0 to around $300 depending on the software tier and business type. Basic single-terminal plans start near $0 on free tiers, while full-featured restaurant or retail platforms average $50 to $150 per month.

Hardware is often the bigger variable. Some providers bundle terminals free with a merchant processing agreement, which can eliminate monthly hardware costs entirely. Terminal rentals otherwise start around $8 per month.

Processing fees add another layer. Expect 1.5% to 3.5% per transaction on top of any software subscription, depending on your card mix and rate structure.

A local POS provider can match you to the right system and processing rate for your specific business size.