Investing in a point-of-sale (POS) system is one of the most important financial decisions a restaurant owner will make. Your POS system doesn’t just process payments—it helps you manage orders, track inventory, oversee staff, monitor performance, and enhance customer service. But what does it actually cost?

In this guide, we break down the different types of restaurant POS system costs, what features impact pricing, and how to choose a system that meets your needs and budget. We’ll also show how First National Processing can help you implement an affordable, flexible POS solution tailored to your restaurant.

Upfront vs. Ongoing POS System Costs

Restaurant POS costs are generally divided into two categories:

1. Upfront Costs

These include:

  • Hardware (terminals, handhelds, receipt printers, KDS displays)
  • Installation and onboarding
  • Setup and menu programming

Expect to pay anywhere from $600 to $2,500 per terminal depending on the brand and features.

2. Ongoing Costs

Most modern POS systems use a monthly subscription model that includes:

  • Software licensing and feature access
  • Cloud storage and data backup
  • Customer support
  • Updates and security patches

Monthly software fees typically range from $49 to $299 per month per location, depending on:

  • Number of terminals or devices
  • Features (e.g., loyalty, online ordering, delivery integrations)
  • Type of restaurant (QSR vs. full-service)

Common Pricing Tiers by POS Brand

Here’s a quick overview of pricing from popular restaurant POS providers:

Square for Restaurants

  • Free plan available with limited features
  • Paid plans: $60+/month per location
  • Hardware: $300 to $800 per setup
  • Transaction fees: 2.6% + $0.10 per swipe

Toast POS

  • Software: $69 to $165/month per terminal
  • Hardware: Starts around $899 per station
  • Installation: Often $499+
  • Requires long-term contract (2 years+)

Clover POS (offered by First National Processing)

  • Software: $14.95 to $90/month per device
  • Hardware: $499+ (Mini), $749+ (Flex), $1,349+ (Station Solo)
  • Flexible, month-to-month options available
  • Bundled packages and local support available via First National Processing

Lightspeed POS

  • Software: $69 to $229/month
  • Hardware: BYO iPad or purchase from Lightspeed
  • Good for multi-location restaurants or advanced inventory needs

Hidden Costs to Watch For

When comparing POS systems, be aware of these potential additional costs:

  • Processing fees: Are you locked into their processor?
  • Third-party integrations: Some systems charge extra for delivery or loyalty app access
  • Hardware upgrades: Older systems may not support new features
  • Support: Some plans charge for priority or live customer service

With First National Processing, our pricing is fully transparent—no surprise fees, and you can choose your own processor for competitive rates.

How First National Processing Helps You Save

First National Processing is more than just a payment processor—we’re a hands-on partner for restaurant success. When you work with us, you get:

  • Custom POS system setup based on your menu, layout, and business goals
  • Local onboarding and live training
  • Month-to-month contracts with no early termination penalties
  • Transparent pricing for hardware, software, and support
  • Clover POS solutions tailored for quick-service, full-service, and hybrid operations

We believe your POS system should work for you, not lock you into expensive, complicated contracts.

How to Save on POS Costs

  • Start with what you need: Avoid overpaying for features you won’t use.
  • Lease hardware if you’re on a tight budget: First National Processing offers affordable leasing options.
  • Ask about bundled packages: We offer custom bundles for new and growing restaurants.
  • Negotiate processing rates: Our team helps you secure the most competitive payment rates.

Final Thoughts: Balancing Cost with Value

The right restaurant POS system isn’t always the cheapest—it’s the one that saves you time, reduces errors, increases sales, and grows with your business.

At First National Processing, we make sure your investment pays off by offering flexible options, responsive support, and powerful POS technology that makes running your restaurant easier.

Ready to get started? Contact our team today to explore affordable POS options customized to your needs.

Visit www.firstnationalprocessing.com to request a quote or schedule a free demo.