Which POS system has the least fees?

POS systems with the fewest fees depend on your transaction volume and business type. Square charges no monthly software fee, but its flat-rate processing adds up quickly for high-volume merchants.

Clover and Lavu use monthly software plans paired with lower per-transaction rates. For restaurants processing over $10,000 per month, that structure typically saves more than flat-rate pricing.

Interchange-plus pricing produces the lowest total cost for most established businesses, because you pay the actual card network rate plus a small fixed markup. Matching the right system to your volume is what keeps fees down.

A local POS provider can compare systems side by side and find the right fit for your volume and budget.