Which POS systems are available without a monthly subscription fee?

Few POS systems are truly subscription-free in 2026. Most cloud-based platforms, including Lavu, Clover, and Korona, carry monthly software fees as standalone products. Some processors absorb those fees into the merchant processing rate, removing the separate subscription charge.

United Banc Card of TN provides hardware and software for platforms like Lavu, Clover, Korona, and Retailcloud at no separate charge when paired with a merchant processing agreement. Merchants pay through transaction processing rates rather than a monthly bill.

Business owners looking to further offset those processing costs can explore installing an ATM to generate surcharge income directly on-site.