Save the result
Print the comparison with the shared sales, payment mix, and contract term visible.
Business buying worksheet
Put two POS quotes on the same receipt.
A lower card-present rate can lose once keyed and online payments, transaction fees, software, add-ons, hardware, setup, and cancellation costs are counted. Enter both offers using the same sales and payment mix.
Your entries stay in this browser · estimates are not merchant-services quotes
Use one sales scenario
Normalize both quotes before judging the rate.
Split sales by how the card is accepted. The remaining 75% is treated as in-person card-present volume.
Lower estimated 36-month costQuote A
$4,444 less across the term
Estimated transactions714
per month at a $35 average ticket
| Cost view | Quote A | Quote B |
|---|---|---|
| In-person processing / month | $541 | $549 |
| Keyed processing / month | $98 | $99 |
| Online processing / month | $141 | $137 |
| All processing / month | $780 | $786 |
| Recurring total / month | $869 | $975 |
| Upfront + exit costs | $799 | $1,450 |
| Monthly equivalent | $891 | $1,015 |
| Effective cost vs. sales | 3.57% | 4.06% |
| 36-month estimated total | $32,089 | $36,533 |
Example inputs are generic—not current vendor quotes. Planning estimate only. This does not model every interchange category, debit routing, rewards/international card treatment, chargeback, PCI, gateway, tax, financing, hardware replacement, gift-card liability, or negotiated rate. Ask each seller to confirm the complete quote in writing.
Only have one written offer?
Estimate that single quote first.
Translate one rate sheet into monthly cost, effective percentage, and a three-year total before you ask a second vendor to bid.
After the comparison
Save the result, mark the gaps, then verify.
Print or save the normalized result, highlight every undocumented term, and open current official pricing only after the two quotes use the same assumptions.
Mark unresolved fields
Do not replace missing rates, fees, ownership terms, or cancellation language with a favorable guess.
Verify current terms
Use the official links below as starting points, then rely on the written quote for your exact account.
Before the demo ends
Six costs and risks that rarely fit in the headline rate.
Attach the written answers to the quote. If a seller will not document a material term, leave it unresolved rather than assuming the favorable answer.
Payment mix
Ask whether keyed, online, invoice, card-on-file, rewards, and international cards use different rates.
Contract
Record the term, automatic renewal, cancellation window, early termination fee, and equipment return rules.
Hardware
Confirm whether every register, printer, scanner, kitchen display, router, and payment terminal is bought, financed, leased, or loaned.
Software
Price the exact inventory, staff, loyalty, online ordering, reporting, payroll, accounting, and multi-location features you need.
Support
Get support hours, escalation path, replacement-device policy, offline behavior, and expected response during an outage.
Data exit
Require a sample export for products, variants, customers, gift cards, sales, taxes, and order history before signing.
Official pricing starting points
Replace every example with your written quote.
Pricing pages were checked August 7, 2026. They are direct official links, not active affiliate links. Plan requirements, promotions, negotiated rates, hardware, taxes, and reseller terms can change.
Square
Capture the exact software tier, payment rates, transaction fees, hardware terms, and contract that apply to your account.
Check Square pricing
Direct official pricing link—no active partner commission is attached.
Shopify POS
Capture the exact software tier, payment rates, transaction fees, hardware terms, and contract that apply to your account.
Check Shopify POS pricing
Direct official pricing link—no active partner commission is attached.
Clover
Capture the exact software tier, payment rates, transaction fees, hardware terms, and contract that apply to your account.
Check Clover pricing
Direct official pricing link—no active partner commission is attached.
Build a workflow-first POS shortlistSquare vs Clover operating model