Industries Served

Restaurant POS Pricing
Restaurants
Retail POS Pricing
Retail
Hospitality Industry POS Pricing
Hospitality
B2B POS Systems
B2B
E-Commerce POS Systems
E-commerce
Event Industry POS Systems
Events

Merchant One Rates, Fees and Costs*

Description Details
Setup Fee $0.00
Terminal Placement Program Available
Qualified Swipe Rate 0.29-1.55%
Qualified Keyed-in Rate 0.29-1.99%
Monthly Fee $13.95
Equipment Lease Terms Flexible Terms Regardless of Business Type
Interchange Plus Available


What is a POS system

A POS (Point of Sale system) is the hardware and software that businesses use to process sales transactions, manage customer orders, and keep track of inventory. It's essentially where a customer makes a payment for products or services, and the business records the sale.

Components of a POS System:

Hardware:

Terminal

A computer or tablet where the transaction is processed.

Card Reader

For processing credit and debit card payments.

Receipt Printer

To print out receipts for customers.

Barcode Scanner

For scanning product barcodes, speeding up the checkout process.

Cash Drawer

Where cash payments are stored.

Software:

Transaction Processing

To handle sales, refunds, and exchanges.

Inventory Management

To track stock levels and update inventory as items are sold.

Customer Relationship Management (CRM)

To store customer information, purchase history, and loyalty programs.

Reporting

To generate sales reports, track performance, and analyze customer behavior.

Employee Management

To track staff sales, shifts, and manage user permissions.

Types of POS Systems:

1. Traditional/Legacy POS

These are usually on-premise systems that require specific hardware like a desktop terminal and are often used by large businesses or restaurants.

2. Cloud-based POS

These systems can be accessed from any device with internet connectivity, such as tablets or smartphones. They offer more flexibility and are popular with small businesses, retail stores, and cafes.

Benefits of a POS System:

Efficiency

Speeds up transactions and reduces errors.

Data Tracking

Provides insights into sales trends and inventory levels.

Customer Experience

Streamlines the checkout process and supports loyalty programs.

Security

Secures payment information, especially with EMV (chip) card technology.

POS systems are used in a wide variety of businesses, including retail stores, restaurants, cafes, and service-based industries.

Common POS Pricing Structures

POS systems come with various pricing structures depending on the provider, the size of the business, and the specific needs (such as hardware and features). Here are the common pricing structures for POS systems:

Flat Monthly Subscription Fee:

  • This is the most common pricing model, especially for cloud-based POS systems. Businesses pay a fixed monthly fee to use the software.
  • Example: A retail POS system might charge $30–$100 per month, depending on features like inventory management, reporting, or multi-location support.

Pros: Predictable cost, scalable with your business.
Cons: If your business scales up or you need more features, costs can rise.

Tiered Pricing (Based on Features or Business Size):

  • Many POS providers offer different tiers, where pricing increases with additional features or the number of locations/users.

Example:

  • Basic Plan: $30/month for essential POS features.
  • Premium Plan: $100/month with advanced analytics, multi-location support, and CRM features.

Pros: Flexibility to choose based on business needs.
Cons: You might have to upgrade to higher tiers for features that are essential as your business grows.

Free POS System (Pay-per-Transaction):

  • Some providers offer free POS software but make money through transaction fees. The software is free, but each sale incurs a small percentage fee or flat rate.
  • Example: You may pay a 2.6% + $0.10 fee for every transaction (credit card payment) processed through the system.

Pros: No upfront costs, ideal for small businesses or startups.
Cons: Over time, transaction fees can add up, making it more expensive than subscription-based models for high-volume businesses.

Custom Pricing (Enterprise Solutions):

  • Larger businesses or enterprises may need customized solutions, especially if they operate across multiple locations or have complex needs.
  • Example: Pricing is negotiated and typically includes tailored features, hardware, and dedicated support.

Pros: Tailored to specific needs, often includes premium support.
Cons: Usually more expensive, contracts may be long-term.

Hardware Costs:

Some POS systems may require you to purchase hardware like tablets, card readers, barcode scanners, and receipt printers, which are often priced separately.

Example Hardware Costs
  • POS terminal: $500–$1,500.
  • Receipt printer: $200–$300.
  • Barcode scanner: $100–$300

Pros: Buy only what you need.
Cons: Upfront hardware costs can be significant.

Processing Fees (for Payment Processing):

  • If the POS provider also handles credit card payments, there are typically processing fees per transaction.

Examples:
  • Credit card processing fee: 2.6% + $0.10 per transaction.
  • Custom rates for high-volume businesses may be lower, or some providers offer a flat rate.

Pros: Integrated processing is convenient.
Cons: Fees can vary based on payment type and provider.

One-Time Licensing Fee (for On-Premise Systems):

  • For traditional POS systems (installed on-premise), businesses may pay a one-time license fee for the software, with optional ongoing support or upgrade fees.
  • Example: $1,000–$5,000+ one-time payment for a licensed system, plus optional support fees of $500–$1,500/year.

Pros: No recurring software fees after the initial purchase.
Cons: High upfront cost and may require ongoing maintenance fees.



Hardware

Merchant One utilizes and supports a variety of different hardware options but primarily leverages Clovers Systems. See the below comparison:

Hardware Cost Features
Clover Go $49 Mobile attachment for Android and iOS
Paperless receipts
Clover Mini Starts at $799 or $45 per month for retail & services and $100 per month for restaurants & foodservice Compact countertop POS system
Accepts chip, swipe and contactless payments
Also available for full-service restaurants and retail businesses
Clover Flex $599 Handheld POS
Paper and paperless receipts
Tracks sales transactions
Clover Station Solo $1,699 or $125 per month for retail & services and $160 per month for full service dining Full countertop
POS Sales tracking
Report generation for business insights
Manage inventory
Clover Station Duo $1,799 or $135 per month for retail & services and $140 per month for full service dining Second screen for customers
Accept swipe, dip, tap, QR code and keyed-in payments
Restaurants and retail outlets

Merchant One Hardware Features

Merchant One POS hardware systems are designed to offer reliable, secure, and flexible solutions for businesses in various industries, including retail, restaurants, and service-based businesses. While Merchant One primarily focuses on payment processing, they offer a range of hardware options to suit different business needs. Here are the main features of Merchant One POS hardware systems:

1. Payment Processing Hardware:

  • Merchant One’s POS systems are built to handle a wide variety of payment types, ensuring that businesses can accept payments quickly and securely.
  • The systems accept:
    • Credit and Debit Cards (EMV chip cards, magstripe).
    • Contactless Payments (NFC) including Apple Pay, Google Pay, and other mobile wallets.
    • Gift Cards and Custom Payment Options.

  • Merchant One POS hardware is EMV-compliant, meaning it can accept chip cards, offering added protection against fraud.
  • The systems are also PCI-compliant, ensuring that they meet industry standards for secure handling of sensitive payment data.

Merchant One partners with several hardware manufacturers, offering a selection of devices that businesses can choose from based on their specific needs. These include:

  • Countertop Terminals: For traditional, in-store payment processing.
  • Wireless and Mobile Terminals: For businesses that need mobility, such as restaurants offering tableside payments or businesses that operate offsite.
  • Virtual Terminals: Software-based solutions that allow payments to be processed through a web browser on any device with internet access.

  • Merchant One provides payment processing that integrates with a wide range of POS systems, ensuring compatibility with the hardware and software businesses already use.
  • While Merchant One doesn’t manufacture its own POS systems, it works with several third-party POS systems, including Clover, PAX, Ingenico, and Verifone devices, giving businesses flexibility in choosing hardware.

  • Merchant One's POS hardware often comes equipped with touchscreen interfaces, making it easier for staff to navigate the system and process transactions efficiently.
  • These screens are customizable, allowing businesses to display product menus, process payments, and access key features quickly.

  • For businesses that need to process payments on the go, Merchant One offers mobile payment terminals. These devices work via Wi-Fi or cellular data, making them ideal for businesses like food trucks, pop-up shops, or service professionals in the field.
  • The wireless terminals provide all the functionality of a traditional countertop POS but with the added benefit of mobility.

  • Merchant One POS hardware is optimized for fast transaction processing, which helps reduce wait times at checkout.
  • Whether using a countertop, wireless, or mobile terminal, businesses can expect quick card authorization and payment confirmation.

  • Merchant One hardware supports traditional receipt printing, and many of the devices come with built-in printers.
  • Businesses can also offer e-receipts via email or text message, providing customers with a more modern and eco-friendly option.

  • The POS hardware systems use end-to-end encryption and tokenization to secure sensitive payment data.
  • This protects both the business and its customers from potential data breaches or fraud.

  • While Merchant One focuses primarily on payment processing, it integrates with POS software that offers inventory management and sales reporting features.
  • Businesses can track product levels, manage stock across multiple locations, and generate reports to analyze sales performance.

  • Merchant One tailors its hardware and software solutions to fit the specific needs of a business, offering flexibility in terms of features, integration, and support.
  • This allows businesses to choose the hardware that best fits their operational environment, whether it's a small countertop terminal or a full POS system with integrated inventory and reporting tools.

  • Merchant One’s POS hardware systems, when paired with compatible POS software, offer features that help manage customer relationships and employee performance.
  • These systems can store customer information, track purchase history, and integrate with loyalty programs to improve customer retention.
  • Employee management tools allow for clock-in/clock-out functionality, sales performance tracking, and user permission settings.

  • Merchant One provides round-the-clock customer support, which is particularly beneficial for businesses that operate outside of traditional hours.
  • Support is available for troubleshooting hardware, software issues, and payment processing.

  • Merchant One is known for its flexible contract options, which means that businesses are not locked into long-term commitments when they choose their POS hardware.
  • This is ideal for small or seasonal businesses that prefer month-to-month agreements.

  • One of the notable features of Merchant One's payment processing is the availability of next-day funding. This means businesses can receive funds from their transactions within one business day, improving cash flow and financial management.

  • Merchant One supports gift card programs, enabling businesses to sell and redeem branded gift cards.
  • This is a valuable feature for businesses looking to boost customer loyalty and drive repeat business.

  • Merchant One’s systems integrate with many popular third-party POS platforms, such as QuickBooks POS, ShopKeep, and others, making it easy for businesses that already have existing systems to integrate payment processing with their current setups.

  • Merchant One offers competitive pricing for its POS hardware solutions. The hardware itself is often provided at low cost or free, with businesses paying through transaction fees or monthly subscriptions.
  • This makes it accessible to small and medium-sized businesses that want professional-grade POS solutions without high upfront costs.

  • Clover Devices: Clover Station, Clover Mini, Clover Flex, and Clover Go.
  • Verifone Terminals: Verifone VX series terminals, which are popular for secure payment processing in retail and hospitality.
  • PAX Devices: PAX A920, a mobile Android-based terminal with payment processing and software features built-in.
  • Ingenico Devices: Ingenico countertop and wireless terminals for traditional and mobile payment processing.

  • EMV chip card acceptance and NFC contactless payments.
  • PCI-compliant hardware with encryption and tokenization.
  • Mobile and wireless terminals for businesses on the go.
  • Receipt printing and e-receipts.
  • Next-day funding for fast access to funds.
  • Integration with popular POS software for inventory, reporting, and customer management.
  • Customizable solutions and no long-term contracts.
  • 24/7 customer support.



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Clover POS Systems

Our Expert Opinion

Overall, Merchant One offers versatile and secure POS hardware options that integrate with a wide range of software systems, making them suitable for businesses of all sizes, from retail shops to restaurants and service providers.



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