POS Systems

• External software integration – Yes
• Multiple locations – Yes
• Inventory management – Yes
• Barcode Scanner – Yes
• Marketing Integration – Yes
• Monthly fees – $50-$79/month/terminal
• Card processing fees – 2.49%/2.99% + $0.10 for in-person transactions
• Instant Fund Access – No

Unique Selling Point:
For an additional monthly fee, Toast gives food service business the ability to build an online storefront that’s fully-integrated with their inventory management, marketing and delivery systems, and is updated in real time. 

Who is this app for:
If you’re looking for an all-in-one POS solution for your restaurant, café or food service business that offers huge flexibility, third-part integration and marketing capabilities, then Toast may be for you. Toast offers a comprehensive software package that suits restaurants and food service business of all shapes and sizes, which also offers add-ons for additional features such as payroll and employee time-management, multi-location management for chains and franchises, back office inventory management, loyalty programs and marketing, online storefronts, delivery management and more. Toast also offers a variety of POS hardware solutions, including traditional cash registers, mobile devices, barcode scanners and self-service kiosks. With Toast’s “Partner Ecosystem”, you can also integrate your existing third-party software providers from accounting to inventory management, through their toast-certified applications.

Bonus points:
– With Toast’s email marketing platform you can boost sales by retaining and retargeting your customers through automated, personalized emails.
– With Toast’s loyalty rewards platform you can boost return business by simply and easily offering a points-based rewards program as well as offering customized offers like sign up bonuses and birthday rewards.
– With Toast Gift Cards, you can drive short-term cash flow by selling both physical and online gift cards to be used in-store or through your online platform.
– With Toast Delivery Services™ you can offer delivery options to your customers by utilizing Toast’s own network of delivery drivers. 

Fintech Pros :
– With Toast Capital,  eligible Toast customers can get quick access to business loans between $5,000 and $250,000. Toast Capital loan repayments are automated as a fixed percentage of daily credit card sales, meaning that you can pay back more on busy days, and less on slow ones.

Fintech Cons:
– None

• External Software Integration – Yes
• Multiple Locations – Yes
• Inventory Management – Yes
• Barcode Scanner – Yes
• Marketing Integration – Yes
• Monthly Fees – $10-$30/month
• Card Processing Fees – 2.3%/2.7% + $0.10 for in-person transactions
• Instant Fund Access – Yes (1% fee)

Unique Selling Point:
With Clover’s built in employee management software, you can set schedules and shifts, manage tip pooling, gratuity distribution and revenue sharing as well as managing commission calculations.

Who is this app for:
If you’re looking for an all-in-one POS solution for your small/medium sized business that offers huge flexibility and a wide array of third-part integrations, then Clover may be for you. Clover also offers a variety of POS hardware solutions, including attachments for your smartphone, wireless handheld devices, as well as mid to large size payment stations for retail and dining locations. With the Clover App Market, you can also integrate third-party software providers for payroll, inventory management, appointments, tax and more through their Clover-certified applications.

Bonus points:
– With Clover’s Customer Engagement platform you can boost sales by retaining and retargeting your customers by providing a feedback portal, promotion and reward tools, as well as a data and analytics tool to help you better plan for your business.
– With Clover Gift Cards, you can drive short-term cash flow by selling both physical and online gift cards to be used in-store.

Fintech Pros :
– With Clover Capital, eligible Clover customers can get quick access to business loans between $1,500 and $500,000. Clover Capital loan repayments are automated as a fixed percentage of daily credit card sales, meaning that you can pay back more on busy days, and less on slow ones.
– With Clover’s Rapid Deposit, for a 1% fee you can get access to funds generated by sales transactions within minutes, without having to wait 1-2 business days for the transactions to be processed.

Fintech Cons:
– None

• External software integration – Yes
• Multiple locations – Yes
• Inventory management – No
• Barcode Scanner – No
• Marketing Integration – No
• Monthly fees – None
• Card processing fees – 2.5% + $0.05 (1% international card fee, 1% currency conversion fee)
• Instant Fund Access – Yes (1% fee)

Unique Selling Point:
With Stripe Terminal, if your business has both an both online and brick-and-mortar presence, you can easily integrate all of your card-based payments in one place.

Who is this app for:
If you’re a business that uses Stripe for their online payment processing and are looking to accept card payments at your brick-and-mortar locations, then Stripe Terminal may be for you. While fairly limited in scope and requiring software development resources to set up, Stripe Terminal can act as a simple way to integrate your in-person payments within the Stripe ecosystem – useful for the 2 million+ businesses that use Stripe as their online payment solution. Stripe offers 2 POS hardware solutions, a mobile card reader that connects to your smartphone and can be used everywhere, and a countertop card machine for use at brick-and-mortar locations.

Bonus points:
– Stripe terminal allows you to fully customize the in-person checkout process for your customers, by adapting the terminal interface in a way that makes sense for your business.

Fintech Pros :
– With Stripe Capital, eligible Stripe customers can get quick access to business loans. Stripe Capital loan repayments are automated as a fixed percentage of daily credit card sales, meaning that you can pay back more on busy days, and less on slow ones.
– With Stripe’s Instant Payouts, for a 1% fee you can get access to funds generated by sales transactions within minutes, without having to wait multiple business days for the transactions to be processed.

Fintech Cons:
– None

• External software integration – Yes
• Multiple locations – Yes
• Inventory management – Yes
• Barcode Scanner – Yes
• Marketing Integration – Yes
• Monthly fees – $9/$29/$79/$299
• Card processing fees – 2.4%/2.7% for in-person transactions
• Instant Fund Access – No

Unique Selling Point:
With Shopify POS, if your business has both an both online and brick-and-mortar presence, you can easily integrate all of of your payments in one place.

Who is this app for:
If you already use Shopify’s popular all-inclusive online store system or you’re interested in using it to build your business’ online presence, and you have a brick-and-mortar location or need to accept in-person card payments, Shopify’s POS system may be for you. Since launching in 2008, Shopify has rapidly become a leader in global ecommerce and it’s easy to see why. With their vast selection of products, services and app integrations, anyone with basic computer skills can set up an online store with all the functionality and scalability of a large enterprise. Shopify’s POS tools for retail stores and smartphone-based card processing for mobile businesses allow for seamless integration of your online and in-person channels, allowing you to manage your finances, marketing and third-party integrations all in one place.

Bonus points:
– With Shopify’s app ecosystem you can easily integrate thousands of of different software and service providers by connecting your store and POS systems to apps in areas such as sales, marketing, reporting, accounting and customer support, saving you time and money.

Fintech Pros :
– With Shopify Capital, you can get quick access to business loans with minimal paperwork and no credit checks. You can also pay off loans with a percentage of your sales, so you can pay back more on busy days, and less on slow ones.

Fintech Cons:
– None

• External software integration – Yes
• Multiple locations – Yes
• Inventory management – Yes
• Barcode Scanner – Yes
• Marketing Integration – Yes
• Monthly fees – $99/$129/month
• Card processing fees – N/A

Unique Selling Point:
Vend’s web apps offer a completely cloud-based POS software that can run on both Windows and Mac computers, as well as iPads. You can also access to access the Vend scanner app on your iOS devices, allowing you to turn your iPhone, iPad or iPod touch into a mobile barcode scanner for easy inventory management.

Who is this app for:
If you’re looking for a POS solution for your small/medium-sized business that offers cross-platform flexibility, third-part integrations and add-ons, and a choice of payment processors, then Vend’s POS may be for you. Unlike many  other POS systems, Vend does not come with it’s own payment processor, meaning you’re free to shop around for the best deals and rates, or transfer your existing payment processor over to your new POS system. With Vend you can also integrate your existing third-party software providers from accounting to customer engagement and analytics, through their Vend-certified applications.

Bonus points:
– With Vend’s advanced API, if you have software development resources you can customize your POS solution by integrating it with your other retail software applications. Businesses with an online presence may also benefit from the Shopify, WooCommerce and BigCommerce integrations, allowing you to sync your inventory levels with your online store, publish products online directly from your Vend dashboard, as well as view online orders alongside in-store purchases.

Fintech Pros :
– Vend’s hardware and payment processor flexibility will likely appeal to tech-savvy businesses for whom customization and adaptability are an important factor in their success.

Fintech Cons:
– A lack of integrated payment processor may be unappealing for businesses seeking a simple all-in-one solution.

• External software integration – Yes
• Multiple locations – Yes
• Inventory management – Yes
• Barcode Scanner – Yes
• Marketing Integration – Yes
• Monthly fees – $0
• Card processing fees – 2.6% + $0.10 for in-person transactions
• Instant Fund Access – Yes (1.5% fee)

Unique Selling Point:
With no monthly fees and a free credit card reader that lets you accept payments on your smartphone or tablet, Square allows businesses and freelancers to quickly and easily accept card payments with no contracts and no upfront costs.

Who is this app for:
If you’re looking for an all-in-one POS solution for your business that offers huge flexibility, third-party integrations and a huge selection of tools to help run your business, all with no little to no upfront costs and starting with zero recurring fees then Square POS may be for you. Square offers a variety of POS hardware solutions, including traditional cash registers, tablets, mobile card readers and barcode scanners. In addition to it’s general POS system, Square also offers some industry specific tools for retail stores, restaurants and food service business and appointment-based service businesses. Square also offers add-ons for additional features such as payroll and employee time-management, loyalty programs and marketing, online storefronts, and more. With Square’s app store, you can also integrate your existing third-party software providers from accounting to inventory management, through their Square-certified applications.

Bonus points:
– With Square’s email marketing platform you can boost sales by retaining and retargeting your customers through automated, personalized emails.
– With Square’s loyalty rewards platform you can boost return business by simply and easily offering a points-based rewards program.
– With Square Gift Cards, you can drive short-term cash flow by selling both physical and online gift cards to be used in-store or through your online platform.
– With Square Team Management, you can optimize labor costs and staffing by effectively and efficiently planning and tracking your employees’ hours, overtime, and breaks all from within the Square ecosystem.

Fintech Pros :
– With Square Capital, eligible Square customers can get quick access to business loans between $300 and $100,000. Square Capital loan repayments are automated as a fixed percentage of daily card sales, meaning that you can pay back more on busy days, and less on slow ones.
– With Square Card, Square’s business debit card, you can get you instant access to the money you process. When you make a sale, the money goes straight to your Square Balance and you can spend it straight away
– With Square’s Instant Transfers, for a 1.5% fee you can get access to funds generated by sales transactions within minutes, without having to wait 1-2 business days for the transactions to be processed.

Fintech Cons:
– None