Compare UK POS Systems
Every UK POS system and card machine, side by side - monthly fees, transaction rates, hardware, contracts and payout speed. Pick for how you actually trade, not the shiniest terminal.
Last updated:
Prices checked 7 Jul 2026 12 providers comparedProviders can't pay for rankings
Showing 12 of 12 providers
Prices last checked:| Provider | Best for | Monthly | Transaction | Reader from | Contract | Payouts | |
|---|---|---|---|---|---|---|---|
 Square4.5 | Cafés | £0 (paid POS tiers available) | 1.75% in-person (no monthly/setup fee on standard) | £19 + VAT | No contract (pay-as-you-go) | Next working day (instant transfer for a fee) | Visit |
 SumUp4.4 | Market stalls | £0 | from 0.99% (Payments Plus) / 1.69% standard | £19 + VAT | No contract (pay-as-you-go) | 1–2 working days (next-day option) | Visit |
| PayPal users | £0 | 1.75% card & contactless | £29 + VAT (first reader often discounted) | No contract (pay-as-you-go) | 1–2 working days (into PayPal/bank) | Visit | |
 Dojo4.1 | Restaurants | From ~£15/mo (quote-based) | Tailored rates (quote-based, often blended) | Hardware/payment-plan pricing (quoted) | Contract terms vary - check carefully | Next-day, as fast as same-day payouts | Visit |
 Lightspeed4.1 | Multi-location retail | From ~£59/mo (plan dependent) | Payments via Lightspeed or integrated provider (quoted) | Hardware bundles (quoted) | Subscription, often annual | Depends on payments provider | Visit |
 myPOS4.0 | Instant access to funds | £0 on entry plans | Card-present from 1.10% + 7p (lower-turnover tier) | £19+ (device dependent) | No fixed contract on standard plans | Instant settlement to myPOS account | Visit |
 Shopify POS4.0 | Shopify merchants | From your Shopify plan (POS Pro extra) | Shopify Payments in-person rates (plan dependent) | Reader from ~£49 | Monthly Shopify subscription | Per Shopify Payments schedule | Visit |
| Small & medium UK businesses | From ~£15/mo (plan dependent) | Simple/blended rate plans (quoted) | Terminal from ~£19/mo or purchase | Flexible and fixed terms available | Next working day | Visit | |
 Toast3.9 | Restaurants | Quoted (plans by venue) | Integrated Toast Payments (quoted rates) | Purpose-built hardware (bundled/quoted) | Contract terms - check length before signing | Typically next business day | Visit |
 Worldpay3.7 | Established businesses | Quote-based (terminal hire + fees) | Tailored / interchange-plus available (quoted) | Terminal hire (quoted) | Contracts common - check length & exit fees | Typically next working day | Visit |
| Established UK businesses | Quote-based | Tailored rates (quoted) | Terminal options (quoted) | Contracts common - review terms | Typically next working day (faster for Barclays accounts) | Visit | |
 Epos Now3.6 | Full till systems | Software from ~£25/mo (bundles vary) | Via Epos Now Payments or integration (quoted) | Till bundles (quoted, finance options) | Contract & payment terms vary - read carefully | Depends on payments setup | Visit |
Square4.5
Cafés
- Monthly
- £0 (paid POS tiers available)
- Transaction
- 1.75% in-person (no monthly/setup fee on standard)
- Reader from
- £19 + VAT
- Contract
- No contract (pay-as-you-go)
- Payouts
- Next working day (instant transfer for a fee)
- Watch out for
- You're chasing the absolute lowest rate at high volume.
SumUp4.4
Market stalls
- Monthly
- £0
- Transaction
- from 0.99% (Payments Plus) / 1.69% standard
- Reader from
- £19 + VAT
- Contract
- No contract (pay-as-you-go)
- Payouts
- 1–2 working days (next-day option)
- Watch out for
- You need a full till, staff logins or deep reporting.
PayPal users
- Monthly
- £0
- Transaction
- 1.75% card & contactless
- Reader from
- £29 + VAT (first reader often discounted)
- Contract
- No contract (pay-as-you-go)
- Payouts
- 1–2 working days (into PayPal/bank)
- Watch out for
- You want a deep POS ecosystem or don't use PayPal.
Dojo4.1
Restaurants
- Monthly
- From ~£15/mo (quote-based)
- Transaction
- Tailored rates (quote-based, often blended)
- Reader from
- Hardware/payment-plan pricing (quoted)
- Contract
- Contract terms vary - check carefully
- Payouts
- Next-day, as fast as same-day payouts
- Watch out for
- You hate contracts, sales calls or quote-based pricing.
Lightspeed4.1
Multi-location retail
- Monthly
- From ~£59/mo (plan dependent)
- Transaction
- Payments via Lightspeed or integrated provider (quoted)
- Reader from
- Hardware bundles (quoted)
- Contract
- Subscription, often annual
- Payouts
- Depends on payments provider
- Watch out for
- You only need to take card payments.
myPOS4.0
Instant access to funds
- Monthly
- £0 on entry plans
- Transaction
- Card-present from 1.10% + 7p (lower-turnover tier)
- Reader from
- £19+ (device dependent)
- Contract
- No fixed contract on standard plans
- Payouts
- Instant settlement to myPOS account
- Watch out for
- You want the most familiar UK high-street name.
Shopify POS4.0
Shopify merchants
- Monthly
- From your Shopify plan (POS Pro extra)
- Transaction
- Shopify Payments in-person rates (plan dependent)
- Reader from
- Reader from ~£49
- Contract
- Monthly Shopify subscription
- Payouts
- Per Shopify Payments schedule
- Watch out for
- You're not a Shopify merchant.
Small & medium UK businesses
- Monthly
- From ~£15/mo (plan dependent)
- Transaction
- Simple/blended rate plans (quoted)
- Reader from
- Terminal from ~£19/mo or purchase
- Contract
- Flexible and fixed terms available
- Payouts
- Next working day
- Watch out for
- You want zero contract or the rock-bottom rate.
Toast3.9
Restaurants
- Monthly
- Quoted (plans by venue)
- Transaction
- Integrated Toast Payments (quoted rates)
- Reader from
- Purpose-built hardware (bundled/quoted)
- Contract
- Contract terms - check length before signing
- Payouts
- Typically next business day
- Watch out for
- You run retail, trade mobile, or want no-contract flexibility.
Worldpay3.7
Established businesses
- Monthly
- Quote-based (terminal hire + fees)
- Transaction
- Tailored / interchange-plus available (quoted)
- Reader from
- Terminal hire (quoted)
- Contract
- Contracts common - check length & exit fees
- Payouts
- Typically next working day
- Watch out for
- You're low-volume or want to avoid a contract.
Established UK businesses
- Monthly
- Quote-based
- Transaction
- Tailored rates (quoted)
- Reader from
- Terminal options (quoted)
- Contract
- Contracts common - review terms
- Payouts
- Typically next working day (faster for Barclays accounts)
- Watch out for
- You want pay-as-you-go simplicity with no contract.
Epos Now3.6
Full till systems
- Monthly
- Software from ~£25/mo (bundles vary)
- Transaction
- Via Epos Now Payments or integration (quoted)
- Reader from
- Till bundles (quoted, finance options)
- Contract
- Contract & payment terms vary - read carefully
- Payouts
- Depends on payments setup
- Watch out for
- You want no contract or a simple pay-as-you-go reader.
Want it narrowed down for you?
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Popular head-to-head comparisons
Straight, side-by-side verdicts on the matchups people ask about most.
SumUp vs SquareWhich is better for UK businesses?SumUp vs PayPal ZettleWhich is better for UK businesses?SumUp vs DojoWhich is better for UK businesses?Square vs PayPal ZettleWhich is better for UK businesses?Dojo vs SquareWhich is better for UK businesses?SumUp vs myPOSWhich is better for UK businesses?
Frequently asked
What is the best POS system in the UK?
It depends on your business. Square is the best free all-rounder, SumUp wins for cheap simple payments, Dojo for busy hospitality, and Lightspeed for serious multi-location retail. Use the filters above to match your needs.
Which POS providers have no monthly fee?
SumUp, Square, PayPal Zettle and entry myPOS plans have no monthly fee - filter by 'No monthly fee' above to see them all.
Can I switch payment providers easily?
Pay-as-you-go providers (SumUp, Square, Zettle) have no contract, so switching is simple. Quote-based providers may have a contract term and exit fees - check before signing.
How we compare
We compare providers using publicly available pricing, contract information, hardware costs, payout details, software features and suitability for different UK business types. Some links may earn us commission, but providers cannot pay to change our editorial verdicts. Read our full methodology.
Reviewed by Nathan Keeble - Founder, The POS
Independent UK payments research. We research the pricing, read the small print and write it up in plain English.
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